Permission and Insurance

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Originally Posted by Gilroy

I may be off base here but I am pretty sure from past threads that one member being an "insurance guy" was in his opinion anyone who might seek a claim or tort would go after the hunters home insurance first and that the OFAH insurance would be secondary. The OFAH do now have an insurance policy to kick in first but only if you had no home insurance and if you have home liability it would be additional insurance.
https://www.ontariohuntcamps.com/insurance

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So, I should be asking my home insurance company if I am covered and for how much. Then the OFAH insurance kicks in only after my home insurance is tapped out. (if it ever got to that)

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Originally Posted by fratri

So, I should be asking my home insurance company if I am covered and for how much. Then the OFAH insurance kicks in only after my home insurance is tapped out. (if it ever got to that)

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That is my understanding, the landowner would in all probability get sued initially as the incident was on his property.

I am pretty sure we also had an example on here a few years ago where a hunters auto insurance was claimed after he accidently shot somebody and it had been to means to get him to the site of the shooting. Similar to this case but it was in Canada.

https://www.oregonlive.com/news/2009...n_hunting.html

Landowner might get sued but his insurance will cover it.

Just offer him 10%. I always say if I get hurt on your property I will give you 10% of the lawsuit and if you get hurt on my propety I will let you keep 10%. :moose:

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Originally Posted by Gilroy

That is my understanding, the landowner would in all probability get sued initially as the incident was on his property.

I am pretty sure we also had an example on here a few years ago where a hunters auto insurance was claimed after he accidently shot somebody and it had been to means to get him to the site of the shooting. Similar to this case but it was in Canada.

https://www.oregonlive.com/news/2009...n_hunting.html

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Quote:

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Originally Posted by fratri

So, I should be asking my home insurance company if I am covered and for how much. Then the OFAH insurance kicks in only after my home insurance is tapped out. (if it ever got to that)

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The property owner is not liable for anything unless he is charging you money.
This is as per the act I posted.
If you accidentally shoot one of his cows, as an example, then your home insurance would come into play or your out of pocket.
The OFAH thing is second fiddle.

Short of burning the whole thing down we should not be too worried.
Insurance scams a plenty.

In order to be held liable in an accident case on your property, the plaintiff has to show you (landowner) were negligent and the root cause for the accident to have occurred. ie: a painter falls through the roof because it was rotted away. But if he falls off the roof you're not liable.

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Originally Posted by MikePal

In order to be held liable in an accident case on your property, the plaintiff has to show you (landowner) were negligent and the root cause for the accident to have occurred. ie: a painter falls through the roof because it was rotted away. But if he falls off the roof you're not liable.

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It's important to ensure the painter you hire has their own insurance before he starts the job. I found out by "accident" when a contractor sued a neighbor. The neighbor won,but,still had to cough up some very high legal fees.

I had the same Issue trying to get permission to hunt a farm for geese.
got CCFR which has better insurance and also better wordings,

but did not help with the land owner. at the end he said his neighbours might start complaining and what I would do about that ... lol seems like he just didnt want ppl hunting on his land.

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Originally Posted by trimmer21

The neighbor won,but,still had to cough up some very high legal fees.

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You get that back when you sue the contractor...they'll usually settle out of court to save the business's reputation.

Talk is cheap until you hire a lawyer.

yes sir