Page 1 of 2 12 LastLast
Results 1 to 10 of 17

Thread: 'Commercial' stalking insurance?

  1. #1

    'Commercial' stalking insurance?

    My brother is a specialist insurance underwriter and in a recent conversation about stalking, he took the view that anyone taking paying clients out stalking would need to have specialist commercial insurance - simply relying on the client having their own BASC / CA / NGO etc insurance would be asking for trouble, even in an area full of cash transactions and verbal agreements. He reckoned that an inadequately - or more accurately 'inappropriately insured' - insured stalker would be placed at serious risk of losing their livelihood - including their home potentially - if a client or clients family sued them in the event of some mishap. Obviously he's a professional pessimist but his remark chimes with my experience as a self-employed specialist consultant - my professional liability insurance costs 1500 a year and there are no guns, explosives or angry deer involved in that - it also takes a 40 page questionnaire each year to get cover.

    I only take friends out on my ground but I occasionally help out a mate with guiding on ground I know well and I'm now slightly worried about being adequately protected. I've looked at what's available and there doesn't seem to be an 'off the peg' policy around - the BASC policy seems to indicate that it doesn't commercial liability cover, but I might be missing something, given that reading insurance policies is like taking Mogadon... I also spoke to the NFU after they were mentioned in another thread but they denied all knowledge of shooting-related insurance. I have friends who work as stalkers on estates in Scotland - they are covered by expensive professional liability policies and the stalking agreements are formal written contracts signed by the client.

    Are policies like BASC's standard package deemed adequate - I notice most of the stalking adverts ask for this? If not, what other cover is out there and at what cost? Surely there would need to be some judgement on each stalker's professional experience (not much in my case )?

    Adam.

  2. #2
    My public liability Insurance IS with the NFU and covers me and clients.
    For shooting stalking and related subjects.
    I still ask clients to carry their own insurance but only because I believe all shooters should carrry insurance in their own right and belong to a body.
    I have just rang them with a different queerie and while there checked my cover.
    It is in place.
    Speak to ewan macinnes their specialist@ 01467 625424.
    regards john.
    Last edited by www.yorkshireroestalking.; 08-03-2010 at 15:41.

  3. #3
    Cheers for that contact John.

    I think I might have been asking the NFU guy the wrong question and just confused him - I'd been led to believe they had a shooting package policy for stalkers whereas I think it's just a standard commercial liability policy that covers shooting related activities. Either that, or he was a raging anti working undercover in the insurance business

    I agree, all shooters should have decent insurance cover in their own right - my point was just that the guide shouldn't be lulled into thinking that their personal recreational cover would protect them if a paying client was injured and subsequently sued them.

    Adam.

  4. #4
    They will only insure you as an add on but quoted me a great deal on the crewcab and the house so I jumped ship with all policies anyway.

  5. #5
    Quote Originally Posted by www.yorkshireroestalking. View Post
    My public liability Insurance IS with the NFU and covers me and clients.
    For shooting stalking and related subjects.
    I still ask clients to carry their own insurance but only because I believe all shooters should carrry insurance in their own right and belong to a body.
    I have just rang them with a different queerie and while there checked my cover.
    It is in place.
    Speak to ewan macinnes their specialist@ 01467 625424.
    regards john.
    Adam

    Your brother is correct there is a huge difference in regards to professional indemnity insurance and public liability insurance.

    They are two entirely differnt things, and cover two entirely differnt area of liability. However you can't get professional indemnity insurance unless you have public liability insurance, but you can get public liability insurance with having professional indemnity insurance.

    As you have said professional liability is often very expensive, often several thousands of 's if taken out on an individual basis. Where as public liability can often be had for as little as 100 depending upon you risk grouping.

    IMO No professional service provider would ever consider operating with out professional indemnity insurance. In my market sector we are required to show we not only have public liability but also professional indemnity insurance to predetermined amounts 15m for one and 10m for the other. Other wise we don't get on tender lists, or get awarded contracts as theres always clause in the contract demanding that we have both. As shooting clients become increasingly aware of the practical and legal necessity for proper and adequate insurance cover so more of them will start to demand that the commercial stalkers and shooting guides have the appropriate insurances in place and can show that they have the levels of cover required.

    AIUI None of the shooting organisation insurance policies cover you for any commercial shooting activities, not even beating or picking up.
    Last edited by Slamdunk; 08-03-2010 at 20:25.

  6. #6
    I get my Public Liability insurance through Melrups for my shooting guiding business.

    Mark.

  7. #7
    Quote Originally Posted by Adamant View Post
    what other cover is out there and at what cost?
    Adam

    Having done a bit of research these specialist insurance brokers should be able to provide the answer to your question.
    Perkins Slade Ltd3 The Broadway Broad Street Birmingham B15 1BQ Telephone: 0121-698 8000

    I understand they provide Professional Liability Insurance of 5m for clay pigeon instructors for a premium of 90.
    Last edited by Slamdunk; 09-03-2010 at 22:25.

  8. #8
    I heard that SACS covers you to take out clients.

    ATB
    Cam

  9. #9
    The FC require permit stalkers to have BASC insurance or similar in place before you are allowed to accompany a ranger on a stalk. I doubt whether they are content to leave it at that and assume that they also cover themselves with a professional liability policy. In essence, the stalker covers himself against possible claims against his own person while the FC covers themselves against any counter or supplemental claim. At least, that's how I understand it.
    /l\ Y gwir yn erbyn y byd /l\

  10. #10
    As a client, you would claim first via your own BASC-type personal and public liability insurance, then your insurer would seek to recover any outlay via the guide's insurance - hence my original question. If the guide is not covered by a professional indemnity policy, his personal cover would be insufficient. I suspect that many people are taking a massive risk by taking paying clients out but not having appropriate professional cover in place. Let's hope that wealthy client doesn't have a vindictive widow with a good lawyer...

    The guys that DO have their professional indemnity cover set up can feel suitably smug! Thanks for the leads - I'll look into all of those.

    Adam.

Similar Threads

  1. Wanted large upright commercial drinks cooler/fridge
    By ash243 in forum Deer Stalking Equipment
    Replies: 5
    Last Post: 23-09-2012, 10:22
  2. Insurance who you with?
    By 223 in forum Deer Stalking General
    Replies: 20
    Last Post: 01-03-2010, 11:29
  3. Commercial stalking in Kent?
    By kingstonandy in forum Deer Stalking General
    Replies: 1
    Last Post: 11-01-2009, 21:59
  4. IDEAL COMMERCIAL AMMO FOR STEYR SCOUT?
    By The Mole in forum Ammunition, Reloading & Ballistics
    Replies: 6
    Last Post: 24-09-2008, 10:22
  5. insurance
    By ezzy6.5 in forum Deer Stalking General
    Replies: 9
    Last Post: 12-06-2008, 15:10

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •