Why Are Liability Protections Important for Gun Clubs?
Liability coverages typically protect an organization in certain situations where the organization could be held financially responsible for damage or harm. In the event of a covered incident, a liability coverage will usually help pay lawyer fees, court costs, and any settlement or judgement associated with the incident (up to a policy’s limit). Exactly what’s covered by a liability protection depends on that protection’s terms and conditions.
Almost every organization should likely have some liability protections in place, but these are especially important for gun clubs. Because gun club members use firearms at club events, the risk of a major accident occurring is substantial.
If a major accident does occur during a club’s events, the club might be held responsible for at least a couple of reasons.
First, employees and volunteers who are carrying out their routine duties are usually considered to be acting on their employer’s behalf. Should an employee or volunteer cause an accident, the employing organization may be held responsible because of the relationship between the organization and employee. In many cases, people will sue an organization more aggressively than an employee because the organization likely has more assets.
Second, an accident that’s caused by an attendee might also be pinned on a gun club. If the affected party can establish that the gun club was negligent in some way and that negligence contributed to the accident, then the club may be partially or fully liable. Even if negligence is never proven, a mere attempt to sue an organization can lead to expensive legal costs.