Tom skaggs pp presentation
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This document discusses landowner liability issues and programs to address them. It outlines types of landowner liability insurance that can provide coverage for activities like timber operations, prescribed burns, and allowing hunting clubs access to land. These include standing timber insurance, burn coverage, and additional insured status on a club's policy. While the threat of liability may be exaggerated, landowners should be aware of state laws and incorporate safety practices like inspecting property. Proper leases and waivers can help reduce landowner liability when allowing recreational access. Common claims involve tree stands, ATV accidents, and shootings.
Tom skaggs pp presentation
- 1. Landowners Responsibility Landowners Responsibility & & Liability Issues Liability Issues
- 2. LANDOWNER PROGRAMS LANDOWNER PROGRAMS Timberland Liability Hunt Club Liability Recreational Liability Standing Timber Insurance Prescribed Burn Coverage Consulting Forester Coverage
- 3. NATIONWIDE ASSESSMENT OF NATIONWIDE ASSESSMENT OF RURAL LANDOWNERS LIABILITY RURAL LANDOWNERS LIABILITY (Hill & Kaiser 1995) “Threat to Landowners is Probably Exaggerated” “Be Familiar with Specific State Laws” “Incorporate Safety & Risk Management”
- 4. NEGLIGENCE NEGLIGENCE Commercial General Liability Based on Concept of: Duty Owed Careless Breach Connection Damages
- 5. INSPECT AND WARN INSPECT AND WARN Landowners that take money for activities have a duty to INSPECT and WARN
- 6. Inspections should have a routine schedule and club members warned of any hazards or changes Landowner and Club members should also inspect tree stands, gates, and other hazards
- 7. TYPES AND DUTIES TYPES AND DUTIES Invitees – Highest Duty Licensees – Invited to hunt for no charge Trespassers – Least duty - New Category -“Known Trespasser”
- 8. INVITEE INVITEE INSPECT PROPERTY FOR HIDDEN DANGERS & REMOVE THEM OR GIVE ADEQUATE WARNING OF THEIR PRESENCE
- 9. RECREATIONAL USE RECREATIONAL USE STATUTE STATUTE Duty of Care Reduced Purpose is to Encourage Owners of Land to Make Land Available to the Public for Recreational Users Without Charge - Except for Land Leased to State Exceptions and Enhancements
- 10. A SOUND HUNTING LEASE A SOUND HUNTING LEASE PROGRAM PROGRAM 1. Hunting Lease Hold Harmless Responsibilities – Map of Property Detailing Hazards – 1. Gates, Property Boundaries, & Adjacent Landowners Insurance for Club – 1. – Landowner as an Additional Insured 1. Check-in Area 2. Particular Attention to Gates and Other
- 11. HUNTING LEASE LIABILITY HUNTING LEASE LIABILITY COVERAGE COVERAGE General liability for hunting clubs leasing land Designed for occurrences arising out of activities and operations of the hunting club on leased property Member-to-member coverage Additional insured status available for property owner
- 12. TIMBERLAND LIABILITY TIMBERLAND LIABILITY INSURANCE INSURANCE General liability for owners of timberland Coverage for “incidental” hunting exposures Trespassers & Visitors
- 13. CLAIMS CLAIMS 1. Tree Stands Highest Frequency Lowest Severity 2. ATV’s Second Highest in Frequency High Severity ( Very close to tree stands) 3. Shootings Lowest Frequency Highest Severity 4. Other Trespass and Carelessness
- 14. 140 Stoneridge Drive, Suite 265 Columbia, SC 29212 866-961-4101