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Why do golf instructors need insurance?
If a student tears their rotator cuff or sprains their back, the result could be a lawsuit. Business insurance pays for golfing injuries and accidents, including legal costs if you're sued. You may need insurance to comply with state laws, get a commercial lease, or teach at golf courses and country clubs.
Find the right coverage
Insureon helps golf instructors find insurance that matches their unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What kind of insurance do golf instructors need?
These insurance policies cover the most common risks for golf coaches.
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for golf instructors to buy general liability coverage and commercial property insurance together.
BEST FOR
- Accidental golfing injuries
- Damaged student property
- Stolen or damaged business property
General liability insurance
A general liability insurance policy covers basic third-party risks, such as a student who slips on a wet golf course and breaks their ankle. Bundle it with property coverage for savings in a BOP.
BEST FOR
- Bodily injuries from accidents
- Personal injuries, like invasion of privacy
- Libel and other advertising injuries
Professional liability insurance
Professional liability insurance covers financial losses related to the quality of a golf instructor's work. It’s sometimes referred to as errors and omissions insurance (E&O).
BEST FOR
- Professional negligence lawsuits
- Injuries from your instruction
- Failure to supervise a student
Workers’ compensation insurance
Most states require workers' comp for employees hired by a golf instructor. It also protects sole proprietors from work-related medical bills that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance covers the cost of an accident involving a golf instructor's business vehicle. Each state has its own requirements for auto liability insurance.
BEST FOR
- Property damage caused by your vehicle
- Legal fees from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps your golfing business recover financially from data breaches and cyberattacks. It's strongly recommended for any business that stores customer information.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
How much does golf instructor insurance cost?
A professional golfer who teaches independently can expect to pay less for insurance than a larger business.
Factors that affect sports and fitness business insurance costs include:
- Whether you teach in person or online
- Business property and equipment
- Business income
- Types of coverage purchased
- Policy limits and deductibles
- Coverage options
How do I get golf instructor insurance?
It's easy to get golf instructor liability insurance if you have your company 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 coverage for your golfing business, whether you teach independently or hire employees.
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FAQs about business insurance for golf instructors
Review answers to common questions about golf instructor liability insurance and more.
Can golf instructor insurance cover equipment damage?
To protect golf equipment that travels with you, you'll need to buy inland marine insurance. This policy protects portable items like golf clubs, alignment sticks, and putting aids from theft and damage while you're on the road or on the green.
Commercial property insurance only covers your office and items stored at your main location, which is why you need additional coverage. Inland marine insurance will reimburse you for damaged, lost, or stolen equipment, regardless of where you take it.
This type of insurance can typically be added to your commercial property policy or business owner's policy.
What are common exclusions for golf instructor insurance?
Golf instructor liability insurance sometimes has the following exclusions:
- Golf carts: Standard commercial insurance policies won't include coverage for recreational vehicles, such as golf carts. You'll need to buy specialized coverage for a golf cart used by your business.
- Athletic participant exclusion: If you hold golf tournaments or public demonstrations, your general liability policy (sometimes called public liability insurance) likely excludes liability claims related to the event, such as an injury that happens during a tournament or a related training session.
- Communicable disease exclusion: Most types of business insurance exclude coverage for communicable diseases. That means you could end up paying out of pocket for a business interruption or a lawsuit related to an illness that spread during a golf class.
- Designated premises exclusion: Premises liability insurance that has this exclusion, such as general liability, is only valid on your business premises. That means you'll need additional coverage to take your students to golf courses, country clubs, and other locations.
- Age restrictions: Your insurance coverage might only be valid for individuals of a certain age. If an accident involves a minor, your claim could be denied.
These are only a few of the exclusions that golf teachers might see in their policies. For peace of mind, check with a licensed agent to make sure your policies include the coverage you need.
Can I get golf instructor insurance if I coach at multiple clubs?
Golf clubs will typically require you to carry sports instructor insurance as part of their contracts. There are a couple ways to get coverage when you work at multiple locations:
- You can add the golf club as an additional insured on your own policy.
- You can ask the organization to include your name on their policy.
Most golf courses, country clubs, and driving ranges will require liability insurance for golf instructors. It's important to make sure you're covered at each location where you teach, as otherwise you could end up responsible for expensive medical bills or legal defense costs if there's an accident.
Can golf instructors be sued for accidents during lessons that occur online?
Online golf classes offer their own unique risks, especially since you're not physically next to your students to ensure correct form and safety. This is why having the right insurance and best practices is important.
Depending on where you work, your insurance company or your state might require extra steps from you. Some of these include:
- Providing liability waivers for in-person classes, online classes, or both, before students can take part in your lessons.
- Including disclaimers at the beginning of your pre-recorded videos or within social media and YouTube descriptions.
- Enforcing webcams during live sessions to adequately assess and guide your students' form.
When reviewing your coverage, it's best to customize your golf liability insurance to include any modalities you need, such as livestreaming, pre-recorded online content, or in-person classes. A licensed insurance agent can help make sure you get the right insurance policies for your needs.