NGO Insurance

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Members of the National Gamekeepers’ Organisation (NGO) are covered by a Public Liability of Indemnity £10,000,000 any one occurrence whilst taking part in any lawfully recognised Gamekeeping or Field Sport activity endorsed by the NGO. The policy has a £250 excess for each, and every loss in respect of Third-Party Property Damage, this cost will be borne by the Member.

The territorial Limits of the policy are Worldwide excluding USA and Canada for recreational purposes and Great Britain, Northern Ireland, the Isle of Man and the Channel Islands for occupational purposes.

The Insurance applies to the activities of the members of National Gamekeepers’ Organisation including but not limited to the following:

• Driven shooting
• Walked up shooting
• Rough Shooting including associated beating and picking up activities
• Wildfowling including punt gunning
• Clay pigeon shooting
• Target shooting including indoor ranges & competitions
• Deer Management including Stalking
• Vermin & pest control (excluding Poisons)
• Fishing & Angling and including Sea Fishing from shoreline only.
• Tracking wounded Deer with Dogs
• Controlled Deer Culling operated in accordance with current UK Legislation
• Field Trails
• Beating, Loading & Picking Up
• Dog Training
• Public Motor Highways extension
• Including Syndicate members registered with the National Gamekeepers’ Organisation
• National Gamekeepers’ Organisation for any any shows, social or fundraising events organised by or on behalf of the National Gamekeepers Organisation Ltd.

 

Frequently Asked Questions

 

1. What is Employers’ Liability Insurance (Section A)

For the purposes of this policy, Employees’ Liability insurance insures the financial liability of an NGO member as a result of an employed individual being injured whilst undertaking an employed activity on behalf of an NGO member.

This would include but not limited to loading, beating, picking up, deer stalking amongst other gamekeeping related activities.

2. What is Public Liability insurance? (Section B)

Public Lability insures the financial cost resulting from property damage or bodily injury to a third party as a direct result of the action of an NGO member whilst undertaking the activities endorsed gamekeeping and shooting activities.

3. What activities are covered?

• Driven Shooting
• Walked-up Shooting
• Rough Shooting including Associated Beating and Picking Up Activities
• Wildfowling
• Clay Pigeon Shooting
• Target Shooting
• Deer Stalking/management
• Vermin and Pest Control (excluding poisons)
• Fishing and Angling
• Tracking Wounded Deer with Dogs
• Controlled Deer Culling
• Field Trials
• Beating
• Loading and Picking Up
• Dog Training and any other related gamekeeping and shooting activity.

4. What is the difference between the NGO members’ insurance and other organisations insurance 
programmes?

The main difference is that the NGO policy covers all gamekeeping and shooting related activities and not just recreational shooting activities offered by other policies. This is a significant difference because it covers professional persons rather than only recreational related shooting activities.

5. What exclusions may apply?

• Poisons in relation to Vermin and Pest Control
• Any injury or harm caused by “dog-on-dog” attacks or dog fighting.
• Cyber & Data
• Sale, supply, loan or transfer of any firearm, shotguns, ammunitions, munitions or explosives
• Abuse (alleged or actual physical, sexual or psychological, or the failure to prevent it)

6. Are boats covered?

Yes, motorized boats and punt gun boats whether hand or motor propelled, including the use of small boats, yachts, pleasure craft and/or vessels up to a maximum waterline length of fifteen (15) metres whilst used on inland waterways and whilst conducting Membership Activities.

7. Are veterinary bills covered?

The policy covers any third-party damage or injury caused directly by the activities of the Insured. i.e. if a dog is accidentally injured during a shoot and the organiser/participant of the shoot is found liable for that injury (negligence, for example) then the veterinary bills associated will be covered under the policy.

Please note that this policy is not a pet policy but a policy to insure the liability to third parties caused by the individual Insured or, where applicable, their dogs.

8. Are there any other fees associated?

No there are no additional fees other than the NGO membership fees.

9. If there's an outbreak of a disease like avian flu that impacts gamebirds, what assistance or coverage does the insurance provide?

This is not covered and only relates to the individual NGO members gamekeeping and shooting activities and not intended to cover a commercial shoot.

10. How does the insurance policy handle injuries to poachers or other illegal activities caused or alleged to have been caused whilst on the property managed by a gamekeeper?

The policy would be expected to respond if a “poacher” is allegedly injured by a gamekeeper. Please note that an intentional act by the NGO member may result in the claim being refused.

11. Can members increase their insurance coverage beyond that what is automatically provided?

No, it is a fixed limit of £10,000,000 per occurrence for both Public Liability and Employees’ Liability.

12. What is the process for filing a claim if a member needs to use the insurance for a covered incident?

A claim can be made by contacting Stubben Edge Markets Limited (formerly Blackmore Borley Limited) on 020 7929 2616 or on info@blackmoreborley.com.

Details of how to make a claim directly to the insurer are in the policy wording but we would advise any 
claimant to contact us first.

13. Are guests covered when either shooting or observing.

Yes, guests would be covered if injured by an NGO member whilst observing.

If shooting as a guest of a NGO member, having for example borrowed their gun, and subsequently caused property damage or bodily injury to a third party then the NGO member’s policy would be expected to respond, assuming that they are supervised by the insured NGO member. (If they are regular shooters and have their own gun then it would expect that they would also have their own insurance.)

14. Are beaters covered, if injured?

Yes, they are insured whilst engaged to beat by an NGO member under the Employers’ Liability Section A. If injured by an NGO member whilst beating then cover is aƯorded under the Public Liability Section B of the policy.

15. Are loaders covered, if injured?

Yes, they you would be covered under the Employees’ Liability Section (Section A) of the NGO member’s policy.

16. Are all activities covered, or restricted to recreational activities?

All activities are covered irrespective of the defined activity above is undertaken professionally or in a recreational capacity. This broad cover is not available via other Association membership insurance programmes.

17. Are air rifles covered under this policy?

Yes, all claims relating to shooting, regardless of the weapon, are covered but please note if the weapon is illegally held then the policy will not respond.

18. Are circumstances that occurred before purchasing this insurance covered?

No, this is a “loss occurring” policy and will only accept notifications that occurred during the policy period, irrespective of how long ago. If a similar policy was purchased at the time of the circumstance in question, then this occurrence policy should respond.

19. Are syndicates insured?

Yes, subject to the syndicate’s name and its members being declared to the NGO then insurance for those individuals within the syndicate are insured. Each syndicate member enjoys a separate limit of £10,000,000 and the claim made under one syndicate member’s policy will not aƯect an unrelated circumstance of another syndicate member.

20. As a syndicate member are they still covered for non-syndicate shoots elsewhere?

Yes, as long as they are undertaking the same activities to those associated with gamekeeping.

21. Can I be insured under the NGO membership if I am not a gamekeeper?

Yes, coverage is the same for non-gamekeeping NGO members as that oƯered to active NGO gamekeepers.

22. Will it cover the costs of a revocation of a member’s certificate?

No, this is a liability policy that insurers the resulting financial liability caused or alleged to have been caused by the actions of an NGO member.

To insure the legal costs when your certificate is revoked, please review a Side By Side Legal Defence costs policy, (www.sidebysideinsurance.co.uk). or contact Stubben Edge Markets Limited (formerly Blackmore Borley Limited) on the details below. A discounted premium applies to all NGO members for this important insurance.

23. Does the policy insure third party claims for non-shooting activities?

No, only those activities associated with gamekeeping are insured but the NGO member does not have to be a gamekeeper to purchase this policy.

24. Are children able to be covered via a family member of the NGO?

Yes, all children up to the age of 21, regardless of the residential address, can be insured under the NGO membership insurance. The children must however be able to demonstrate that they are a UK resident.

25. Are children who living away from the parental residence be included under the Family NGO package?

Yes, unlike other insurance programmes, assuming that they are under 21, then children are covered under the family NGO membership even if they live elsewhere in the UK.

26. Am I insured you place if I place a high seat on an Estate for deer control, who covers the public if they have an accident using the high seat without authorization, is it my insurance?

The insurance of the estate in which the high seat is located will be liable for any resulting injury caused by an individual using the high seat without authorization. We would expect that assuming that there is adequate signage on or around the chair that it is not for use by the general public we would expect an allegation to be dismissed but the legal expense to defend this allegation would be expected to fall under the Estate’s own Public Liability insurance programme.

27. How much income can be made on this insurance before I need a separate commercial insurance. I.e. from the sale of carcasses ETC.

The insurance is designed for individuals who are members of the NGO. There is no income limit on earnings made by an individual whilst undertaking insured activities but if you have any doubt about whether a commercial policy is required please contact us on 020 7929 4616 or by email on info@blackmoreborely.com

If you operate using a company, then a commercial insurance should be considered. 

28. Is there any cover for supplying deer carcasses to friends/public?

There may be coverage under a specific insurance policy but it is not the intention of this NGO members policy to insure such exposures.

29. Can we please have Humane Dispatch added to the policy schedule that we send out to members.

Human Despatch is covered and will be added as required.

30. What can I use to evidence that I am insured, if asked?

You can show your NGO membership credentials and present the “Verification of Insurance” document which can be downloaded from the members’ section of the NGO website. (https://www.nationalgamekeepers.org.uk/)

For a more detailed explanation to a circumstance, please refer to the policy wording, contact Blackmore Borley Limited on 020 7929 2616 or email us on info@blackmoreborley.com.

Please note that these questions & answers (Q&A) have been prepared by Stubben Edge Markets Limited (formerly Blackmore Borley Limited) on behalf of the National Gamekeepers Organisation (NGO) to assist its members with a general understanding of the insurance oƯered when a member of the NGO.