Owning and operating a golf course takes a lot of work. From preparing the course itself and dealing with Mother Nature to making sure finances are in a good standing, we understand the challenges and rewards of running a club.
Allow us to work with you to ensure you have the proper insurance coverage for your business, whether you have a public, semi-private or private facility. Keeping your members and staff safe while allowing you to relax knowing you have the right coverage is our goal.
There are unique challenges and hazards associated with running a golf course and we take a special approach to mitigate your risks. Some of the risks we take into consideration include:
- Extreme weather
- Property damage caused by golf balls
- Liquor liability
- Lawsuits
- Protection of facility itself, guests and equipment
You want to keep your members happy with beautiful fairways and immaculate greens, and we want to help you do the same with peace of mind insurance coverage.
We work with you to ensure all aspects of your business – from the course itself, pro shop, driving range, pitching and putting courses, par 3s, executive courses, and more – have been considered.
Golf Club Insurance Coverage Considerations
Golf courses feature plenty of amazing social opportunities. Aside from the course itself, restaurants, bars, pro shops, meeting rooms and more create the right environment for relaxation, leisure and camaraderie. Having the right insurance to cover all these elements is key.
Commercial general liability will provide coverage for bodily or personal injury to those at your course along with property damage. It’s also good to consider umbrella liability insurance should your general liability not cover all you are looking for. Directors and officers (D&O) coverage will ensure your leadership team is considered in the case of a lawsuit while business interruption will help in case of an unforeseen event.
Having adequate cyber liability insurance is also key with the amount of sensitive data you intake from your valuable members. In the case of a data breach or cyberattack, this coverage will give you peace of mind as you look to give your members an enjoyable experience from spring until fall.
Other considerations that golf course insurance takes into account:
- Coverage to golf professional on site
- Damage to greens
- Pro shop sales
- Liquor liability
- Seasonal occupancy
- Pollution
Talk with us today about setting up comprehensive protection for your club.