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Insurance for hosting a black powder event

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Thekingd93

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If one were to host a black powder event on their own private property such as a woods walk, competition shoot or a rendezvous, would the host need some sort of liability insurance to protect themselves from a lawsuit just in case god forbid a fellow black powder shooter has a mishap with a gun and caused and injury or worse.....? Possibility a simple liability waver signed by each participant that basically says to "participate at your own risk and the owner and even host of this property is not liable for injury or death". I'd like to think most people involved in this sport/hobby/lifestyle are safe well rounded individuals but there's always a bad apple every so often. I'm just curious how these types of event's are generally orchestrated. I'd consider having some sort of black powder even on family owned if it were possible to even do without a bunch of red tape so to speak.
 
The gentleman that held the eastern national a few years ago held the event on his farm and used our clubs insurance as the host club. The club buys insurance thru the mnlra ( i think).
 
NMLRA Charter Clubs are covered under the NMLRA’s policy….
If I remember correctly..🥴

Good advice on talking to a gun toting attorney.👍
 
Make reasonable efforts to make the range safe to be on (undue trip hazards, wobbly railings, low hanging branches in normal walkways, ect)
Range rules are part of a waiver/liability release form
Be firm and consistent on removing people who violate sensible range rules.
Document everything (organizing events, especially by yourself, isn't fun)
Be selective on who's invited, especially in subsequent years.

Many insurance companies consider shooting/archery events to be "too high risk", and won't offer to cover anything (found that out when I organized a local archery/arbalist event several years ago)

In the end, accept that you can be sued by anyone for anything (real or imagined) at anytime... welcome to the USA, land of the free(?). If you can find a company willing to cover it, it doesn't hurt to consider a policy with a caveat:

Insurance companies also don't care about right and wrong, or facts. They will look to get out with as little cost as possible.
Case in point: over a decade ago, guy broke into our shop for the second (or third) time, he'd already proffered $6,000-10,000 in equipment/tools. So we installed an alarm system. Guy broke in again, brother and I went to reset the alarm and check on things, long story short, guy comes at my brother with a knife, brother shoots him in the ankle. About a year later (he waited until I turned 18, my brother was still a juvenile, so he couldn't sue him), I get a notice that he's suing me for shooting him (and his dog... there was no dog)... Sheriff's office report says my brother shot him, his statement at the time, my brother and I's statements at the time said he shot him... and he was shot by a couple pieces of buckshot (I had a rifle)... didn't matter, insurance company told me that either I settle, or they weren't going to cover anything (and afterwards, I looked into it, and it's pretty common in nearly every liability insurance policy that gives insurance companies the ability to do that). There was the slightest, most improbable chance that they might have to pay the idiot, so they folded like a house of wet cardboard.

Guy got his later, got caught stealing/possessing/selling firearms while on probation less than 3 years later. I heard he got out on probation a couple years ago.
 
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Waksupi is correct about waivers being worthless.

You should know that in the event of an injury at an event on your property, even if the injured party is a “good old boy” and he does not want to sue you, that will not stop his insurance company from filing suit to cover medical costs (at least).
 
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