Both individuals and clubs need insurance, if they are engaged in the shooting sports. For clubs, the law requires that they carry at least $2 million in liability protection. For individuals, it is up to the individual to decide whether or not he carries insurance -- but getting hit with a liability suit as a result of your sporting activities can ruin your whole financial situation if you do not have insurance. The legal fees alone can break you.
In the aftermath of 9/11, several large insurance companies either stopped insuring shooting clubs, or changed the terms of their insurance policies to eliminate shooting insurance. I recommend that you compare the terms of your current insurance policy with the National Firearms Association Liability Insurance (NFALI) terms -- you may be surprised at what your current policy does not cover.
The National Firearms Association's Liability Insurance program is either the best in Canada, or one of the best. Please compare our policy, provided by Aviva, to what you have today. Click Here to get the full NFA Insurance Policy Details.
OUR INSURANCE POLICY DOES NOT DO THIS TO YOU: Insurance currently offered by two of the other major suppliers of insurance to shooting clubs includes one of these limitations:
"For this insurance to be valid, the member must have personal liability coverage as part of a homeowner's, condominium owner's or tenant's liability package policy."
"It is understood and agreed that with respect to Commercial General Liability Form LR02, this insurance does not apply to any archery operations, or any operations involving the use of firearms."
It is worrying that many people think their club insurance covers shooting and archery -- but it does not, because their latest insurance policy is different. Have you checked what it says in your current policy to see what you, and your fellow club members, are actually covered for?
The policy offered by the National Firearms Association covers the individual, or the club for $5,000,000.00 in liability coverage.
This is NOT an aggregate amount, it is $5,000,000.00 in Liability Insurance for any claims.
Each individual, or each individual member of each covered club, is covered for:
- All legal hunting activities
- All legal bowhunting activities
- All legal range shooting activities
- All legal range archery activities
- All legal fishing activities
anywhere in Canada or the continental United States. That's pretty broad!
PLEASE NOTE: THE NFALI DOES NOT COVER ACTIVITIES INVOLVING HORSES!
Click Here to get the full NFA Insurance Policy Details.
Commercial general liability coverage is $5,000,000 with a $500 deductible for situations involving bodily injury, property damage, and legal expense at all demonstration, practice, training and/or competition shooting events, and or other firearms activity sponsored by the club.
Coverage for wrongful acts, errors and omissions by Directors and Officers of the club is $2,000,000 with a $500 deductible.
Non-owned automobile liability coverage for the covered club is $2,000,000 with no deductible.
Tenants legal liability coverage for the covered club is $250,000 with a $500 deductible for any one premises.
The landowner of a club's range can be a co-insured at no added cost to club or landowner.
Event coverage: If the club puts on a shoot, a fee of $3 each covers visiting shooters for up to 5 days for the one event, with the money being sent to National Firearms Association after the event.
Visitor coverage: A fee of $3 covers the visiting shooter for the day, in the same way as event coverage.
Send the names and addresses of the insured persons along with the fees to: National Firearms Association Box 52183, EDMONTON AB, T6G 2T5.
All name and address information is held at the National Firearms Association office, and not sent to the insurance company.
Cost? A club pays $3 per member ($45 minimum) to affiliate with the National Firearms Association, plus $7.95 per member (no minimum) for the insurance. That's right -- the entire package costs the club only $10.95 per person!
Cost? A direct-membership individual or family pays the relevant membership fee ($25 Senior, $30 Regular, or $40 Family) plus $7.95 per person covered for the insurance.
If you send a cheque or credit card information to National Firearms Association, Box 52183, EDMONTON AB, T6G 2T5, your membership and coverage will run from the date of the postmark on the letter to one calendar year later.
If you send a fax to (780)439-4091 to make a credit card purchase of membership and insurance, coverage will run from the date of receipt by the National Firearms Association to one calendar year later.
You can buy National Firearms Association Liability Insurance over the phone by calling (780)439-1394 with your credit card out and ready.