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Response to Indydem (Reply #19)

Fri Jan 18, 2013, 02:33 PM

44. NRA free liability coverage for members?? I don't think so....

Liability insurance is expensive, particularly when the liabilities covered include things like accidentally killing people while hunting.

From YOUR NRA MEMBERSHIP:
Annual members receive $5,000 of Accidental Death and Dismemberment coverage at NO COST to you. The plan covers accidents at, or to and from, an NRA event; and accidents that occur during the use of firearms or hunting equipment while hunting. Insurance must be activated at time of renewal. (Does not include Junior membership.)

Life members receive $10,000 of Accidental Death and Dismemberment coverage at NO COST to you. The plan covers accidents at, or to and from, an NRA event; and accidents that occur during the use of firearms or hunting equipment while hunting. Insurance must be activated at time of upgrade to Life member status


No automatic liability coverage.

However:

New and Enhanced insurance coverages through the NRA Endorsed Insurance Programs. Enroll on-line for Life, Health and Accident and Individual Property and Liability insurance or call Toll free 1-877-NRA-3006 (1-877-672-3006.) New Commercial Property Liability Insurance Program for NRA Affiliated Clubs and Business Alliance Members, visit on-line or call Toll Free 1-877-487-5407.


From NRA Endorsed Insurance Program Online- http://www.locktonrisk.com/nrains/:

One of the many benefits of membership in the National Rifle Association is having access to a broad selection of insurance products through the NRA Endorsed Property & Liability Insurance Program.

Excess Personal Liability Because accidents do happen no matter how careful you are (NB: 'excess' here means in excess of coverage you might already have through home or car insurance which has to pay first)

<snip>

Excess Personal Liability provides NRA members extra liability protection when they hunt or shoot.

Most homeowners' policies fall far short of adequate protection for liability claims. With Excess Personal Liability, you'll protect yourself against liability suits up to $250,000 for any injuries you unintentionally cause while hunting or trapping on public or private land.

The National Rifle Association Endorsed Excess Personal Liability plan also protects you while shooting in competitions or at private shooting ranges.
Provides coverage for bodily injury or property damage caused by the use of a firearm, airgun, bow & arrow or trapping equipment when you are legally obligated for damages.
Pays most defense costs in addition to liability limit -- even if lawsuit is false
Liability Limit Options $100,000 up to $250,000
Optional Self-Defense Coverage available


Go ahead and call for a quote. Maybe it's cheap, but I'm guessing not. And try finding that $5 million coverage for when your kid shoots the neighbor's son and sued ... your screwed.

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