Golf Course and Country Club Insurance
Why do golf courses and country clubs need insurance?
If a golf ball hits a bystander, the result could be a lawsuit. Business insurance covers medical bills, property repairs, and legal fees from accidents. It grants you peace of mind, helps you comply with the law, and ensures your golf course or country club can survive a costly incident.
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A licensed Insureon agent will help you find the right coverage for your business.
What kind of insurance does a golf course need?
These insurance policies cover the most common risks at golf courses and country clubs.
General liability insurance
A general liability policy covers basic third-party risks, such as an errant golf ball that injures someone or damages their property. Bundle it with property coverage for savings in a BOP.
- Bodily injuries from accidents
- Accidental property damage
- Libel and other advertising injuries
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for owners of golf courses and country clubs to buy general liability coverage and commercial property insurance together.
- Accidental golfing injuries
- Theft of a member's belongings
- Stolen or damaged business property
Professional liability insurance
Professional liability insurance covers financial losses related to negligence, such as double-booking of a country club venue. It’s sometimes referred to as errors and omissions insurance (E&O).
- Billing errors
- Injuries related to improper instruction
- Undelivered services
Workers’ compensation insurance
Most states require workers' comp for employees of golf courses and country clubs. It also protects sole proprietors from work-related medical bills that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance covers accidents involving vehicles owned by golf courses and country clubs. Almost every state requires this coverage.
- Property damage caused by your vehicle
- Legal fees from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps your golf course or country club recover financially after a data breach or cyberattack. It's strongly recommended for any business that stores personal information.
- Customer notification costs
- Fraud monitoring services
- Cyber extortion payments
How much is golf course insurance?
A golf course will likely have lower insurance premiums than a country club that offers golf, tennis, swimming, and other activities.
Factors that affect sports and fitness insurance costs include:
- Services offered by your golf course or club
- Business property and equipment
- Business income
- Types of coverage purchased
- Policy limits and deductibles
- Coverage options
How do I get golf course and country club insurance?
It's easy to get golf course liability insurance if you have your business information on hand. Our application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance (COI) with Insureon in three easy steps:
- Complete our easy online application.
- Compare free quotes and choose your policies.
- Pay for your policies and download proof of insurance.
Insureon's licensed agents work with top-rated U.S. insurance companies to find the right insurance solutions for your business, whether you own a golf course or a country club that has golfing, dining, and other amenities.
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FAQs about business insurance for golf courses and country clubs
Review answers to common questions about country club and golf course insurance programs.
Does golf club insurance cover theft and accidental damage?
Yes, golf club insurance can cover theft and accidental property damage. You'll want coverage that protects both your business property and items that belong to your members:
- Property that belongs to your club. Commercial property insurance protects your building and its contents, also called business personal property or BPP. Fires, storms, burglaries, and similar incidents are covered under this policy.
- Property that belongs to your members. Any third-party property, such as golf clubs owned by your members, is covered by general liability insurance. If they're stolen or damaged on your premises, this policy will pay for repairs, replacement, or legal costs if you're sued.
A business owner's policy is recommended for most golf courses and country clubs. This policy includes both general liability and commercial property insurance coverage at a discount.
Who is responsible for damage on a golf course?
Your business can be held liable for any damages that occur on your premises. Even in cases where you weren't responsible, you could find yourself facing a lawsuit.
General liability insurance covers third-party claims, such as:
- A golfer loses control of their club and it hits another player.
- A stray golf ball breaks a window on a neighboring property.
- Someone steals a golf bag from a member of your private club.
Commercial property insurance covers your own property, such as:
- A fire destroys an equipment storage shed.
- A hail storm damages the roof of your country club.
- A tree falls on your clubhouse.
You should also consider professional liability insurance for claims related to negligence, such as damage caused by a golf instructor's error. For concerns about damages related to pesticides, golf cart accidents, and other unique risks, check with a licensed agent to make sure your business is fully protected.
What other types of insurance do golf courses and country clubs need?
Owners of golf courses and country clubs often depend on these policies as part of a comprehensive risk management plan:
- Inland marine insurance covers business property that travels to other locations or is stored off-site. Commercial property insurance only covers items at a fixed location, which is why you might need additional coverage.
- Business income insurance helps your business recoup financial losses after a fire or other covered property claim forces you to close temporarily. It's also called business interruption coverage.
- Liquor liability insurance provides crucial protection for businesses that sell or serve alcohol. It covers your legal costs if an individual who became intoxicated at your business injures someone or damages their property.
- Crime insurance comes in different forms. Employee dishonesty coverage protects your business against employee theft, while a fidelity bond protects your clients.
- Commercial umbrella insurance boosts the protection of a golf course or country club's other liability policies, such as general liability, commercial auto, and employer's liability insurance.
- Equipment breakdown insurance covers irrigation systems, refrigerators, generators, and similar items that might break and require costly repairs.