Insurance
Hunters Liability Insurance

Coverage: the insurer shall pay compensation for the amounts that the insured, in his capacity as a hunter, employee in a hunting enterprise or forest ranger is liable to pay in connection with a claim brought against him/her during the term of the insurance (coverage based on a claim brought) for damages caused to third parties during or in connection with his/her lawful activities.

The insurance cover applies to legally competent hunters for claims related to their hunting activities during the permitted hunting periods and on the territory of the hunting club of which the insured person is a member or to which he or she has been attached for the specific hunt.

The insurer shall cover damages resulting from:

• the permitted possession and use of hunting weapons and related ammunition during and outside of hunting, with the exception of actions punishable under the law;
• exceeding the limits of necessary self-defense through negligence;
• possession, training, and accompaniment of no more than two declared hunting dogs, including outside of hunting.
• The insurer also covers the amounts that the insured is liable to pay for damages caused by him in his capacity as chairman of the hunting club or to persons whom he has appointed to manage or supervise the hunting farm.

The insurance also covers the costs of defending the insured, to the extent that they are incurred with the consent of the insurer, as well as the fees and legal costs awarded in the compensation case - up to 10% of the agreed liability limit.

Excluded risks and other conditions: - described in detail in the General and Special Conditions.

Limits of liability: a limit is agreed for a single event and for the term of the insurance, which is usually double the limit for a single event. The agreed limits under the policy cannot be less than those specified by law (if any).

Insured's contribution to each claim: usually 10% of each property damage. No contribution by the insured applies to non-property damage.

Conclusion of the insurance: based on a completed Application-Questionnaire form provided by the insurer.

Tariffing: based on the agreed limits.

In the event of an incident that could lead to a claim under this insurance, the insured shall notify the insurer in a timely manner, who shall provide instructions on the necessary documentation and the procedure to be followed by the insured. In the event of a dispute in court, the insured shall be obliged to involve the insurer as a third party. Compensation shall be paid within the agreed limits of liability on the basis of an out-of-court settlement between the parties or in accordance with a final court decision against the insured.