Michigan’s firearm deer season opens November 15, and for many Macomb County families, heading north to deer camp or out to nearby farmland is a cherished tradition. Most hunts end safely, but hunting involves firearms, tree stands, and groups of people spread across the woods. If someone is accidentally injured, the question of who’s responsible and which insurance responds can come up quickly.<\/p>\n
Personal liability coverage on a homeowners or renters policy often follows you beyond your home. If you’re legally responsible for accidentally injuring another hunter, that coverage may respond, subject to your policy’s terms and limits.<\/p>\n
Serious hunting injuries can lead to claims well beyond standard homeowners limits. An umbrella policy adds liability protection above your home and auto coverage, as long as your underlying policies meet the umbrella’s requirements.<\/p>\n
Falls from tree stands and other injuries to yourself are generally handled by your health insurance, not your liability coverage.<\/p>\n
Michigan has a recreational land use law that can limit liability for landowners who let people use their land for free. Homeowners or farm liability coverage may still play a role, depending on the circumstances.<\/p>\n
Premier Risk Group in Richmond, MI can review your homeowners and umbrella coverage before opening day. Policy terms vary. Hunters across Richmond, MI and Macomb County can reach out to Premier Risk Group<\/a> or browse our insurance blog<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":" Michigan’s firearm deer season opens November 15, and for many Macomb County families, heading north to deer camp or out to nearby farmland is a cherished tradition. Most hunts end safely, but hunting involves firearms, tree stands, and groups of people spread across the woods. If someone is accidentally injured, the question of who’s responsible […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[9,8,10],"class_list":["post-13","post","type-post","status-publish","format-standard","hentry","category-umbrella-insurance","tag-premier-risk-group","tag-richmond","tag-umbrella-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t