The umbrella is an excess liability policy for your home and auto. So it would be related to the farm, as well. What company are you with?

Basic is Farm Bureau which I would like to dump because of their support of bills not favorable to hunting.

Umbrella is RLI.

RLI is the one that has served notice on me that they will cancel if I allow the neighbor to continue hunting.

To demonstrate that this is stupid and has no basis in risk management, check the following links.

Experts estimate that over the last two years there have been 2.3 million deer-related accidents. That is equivalent to 95,000 a month or 3,200 a day.

Deer vs. car collisions cause about 200 deaths per year. Experts say that number could be on the rise, due to growing deer populations and the fact that their habitats are being displaced by urban development.

http://www.wect.com/story/13537956/deer-car-collisions-on-the-rise?redirected=true

The above relates to NC SC lumped together.

The following is from the NC Wild Life Resources Commission.

2004 – 2005 HUNTING AND HUNTING RELATED ACCIDENTS
July 1, 2004 – June 30, 2005
⇒ 6 Fatal
⇒ 48 Non-Fatal
⇒ 54 Total Accidents (Type “A”, “B”, & “C”)
SELF-INFLICTED ACCIDENTS
⇒ 3 Fatal Treestand Falls
⇒ 23 Non-Fatal
TWO PARTY ACCIDENTS
4 Type “A”
⇒ 4 Non-Fatal
⇒ 0 Fatal
OF THE TOTAL 54 HUNTING AND HUNTING RELATED ACCIDENTS
⇒ 31 were Type “A” (2 Fatal, 29 Non-Fatal)
⇒ 22 were Type “B” (3 Fatal, 19 Non-Fatal)
⇒ 1 Fatal Type “C”

Link: http://www.charlottepersonalinjurylawyerblog.com/2010/11/north-carolina-deer-hunting-se.html

And download the pdf.

The issue with the umbrella is that it is designed to "sit on top of" existing coverages. A company will only want to be excess if there is underlying coverage with adequate limits with an A rated company. The purpose of an umbrella is to be excess coverage NOT primary coverage. In most cases, as long as there is coverage with the underlying and it is not specifically excluded in the umbrella by the company you will have coverage. What is normally done is that the person doing the hunting carries a policy which names the landowner as an additional insured. Hope this helps.

With Nationwide Insurance farm policy, allowing others to hunt for no fee is allowable. When you start letting people lease your land, the problem begin. At that point you are considered a business. We can talk more if you like. Contact me at 757-934-0755. hunter

Hunter:

I appreciate your information.

I am in NC, I wonder if Nationwide can write the same policy in NC or whether state law makes a difference?

CSSJR

Claude:

I don't know why they are wanting to non renew you. I work for ALFA (Farm Federation here in ALabama). I have several clients who have either their home owners or farm insurance with me and they have an umberalla policy as well, and some of those allow hunting by other people. We (ALFA) know about and realize we are covering this situation.

I don't understand what the deal is, we (ALFA) allow this.

Wish I could help.

True Grit,

Jonathan Blakeley

Claude My wife works in insurance and agrees with the above quote is correct. She has worked insurance for 20 years. The issue is same as your back yard somebody comes to your house as a guest and gets injured you can be held LIABLE. What really sucks is say you have a pool and no fence a drunk stumbles on your property in the middle of the night falls in and drowns his family can sue you. Sounds stupid and we both agree it is a load of crap. The best option is to look into other insurance companies. Each companiy has different policies for everything. It doesnt matter if you have a permission slip with release of liability you can still be liable. Just an example most home owner insurance companies will not insure your home land property if you have pit bull dogs. and some want with Rottweiler's. Its all about the liability.
This is another issue that plagues hunters and land owners with giving permission or not for someone to hunt on your land as well as whether or not it is posted, house bill 762 and 755 is being pushed by FB because of this problem. Insurance companies will take your money for 20 years never file a claim then file something and they want to cancel your policy. It is all crooked. This is an area that legislator's should be looking at and fixing rather than taking land owners write to allow or not allow hunting and making it difficult to allow it,
Here is another example I take a medication that if I file it on Insurance the co-pay is 118 bucks. If I Pay for it straight out don't file insurance then I can buy it for 16 bucks. Go Figure. The best thing you could do is find a insurance company that will honor the umbrella policy for what it is meant for and not look for ways to get out of paying or taking your money for several years and then drop the policy they made a clear 100% profit of the policy so to speak no claims you paid for insurance coverage and then they up and decide to cancel. It is a crooked industry and probably always will be. Good Luck. Also there are several insurance companies that write policies without the hunting clause as well as some have a policy set for hunting, The hunting policy is a big issue with logging land owners as well. May be able to look into what they use as a comparison. Not 100% sure but think Nationwide has Umbrella policy for farm owners,