Interesting question. I doubt HC insurance covers dwellings. I know club liability insurance covers for accidents related to the activity of hunting. However, I could not get a straight answer if I was covered if someone was injured on the property doing something not related to hunting. Say rolling an ATV or getting injured/killed on a tractor while bushogging or planting. I was left thinking I would not be covered. Seemed like the chances of being injured that way would be higher than while actively hunting. Post up answer about club house when u find one.

Dr. B