Protect Your Club With Insurance Coverage You Can Trust

COLORADO SPRINGS, Colo. (October 28, 2009)

Your USA Shooting affiliation gives you a distinct advantage over other clubs - access to the USA Shooting Endorsed Insurance Program. One of the key elements in your club’s success is its protection if someone is injured. That means securing a liability insurance policy. Because clubs are involved in a potentially dangerous activity, concerns about liability should be a priority for not only the club, but the landowner as well. Despite how well the club promotes safety, accidents including guest members and the club will happen. The USA Shooting Endorsed Insurance Program includes coverage for:

Club activities occurring away from the club -
Coverage is not restricted to activities held just at the club premises like other policies. Whether it’s attending a shooting competition at another club, participating in a fundraiser, or other normal club activities that occur away from the club premises, your club is covered.

Coverage for club activities conducted in other states -
General liability coverage applies in the coverage territory which includes the U.S. and its territories, Puerto Rico and Canada. Worldwide coverage applies for an insured, whose home is in the coverage territory, while away for a short time on your business. The policy excludes any premises used for the purpose of holding one or more gun or firearm shows. These can be insured separately.

Coverage for club members -
Coverage includes club members as additional insureds. This means an individual member, as well as the club, would be defended for allegations of negligence relating to club activities.

Coverage for guests -
One of the most common questions is how guests are covered. Remember that members are additional insureds on the clubs policy; guests are not given the same treatment. A common scenario would be if a guest is using your range and causes injury or damage to someone or something else. In these types of cases, the guest is named in the complaint and, since it happened on club grounds, the club is also named. In this example, the club has protection for the guests actions, but the guest is not covered under the clubs policy. The same would hold true for a trespasser that is injured on club property. The club has coverage, the trespasser does not.

Medical Payments -
The general liability policy has a sub-limit of $5,000 for Medical Payments per person regardless of whether or not an injury is the result of an accident caused by the club’s negligence.

Don’t put your club’s (or its members) security in jeopardy. The USA Shooting Endorsed Insurance Program sales team will assist you in making sure your club has the coverage it needs. Call (888) 839-3118 to begin a free, no-obligation insurance review today. The program offers free, no-obligation rate quotes. Or visit www.usashooting.locktonaffinity.com for additional information.

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