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Golf Course Insurance

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Golf Course Insurance Provided By Our Agency

Golf course insurance protects against financial losses due to property damage, liability claims, and other risks associated with operating a golf course.

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General Liability
CommercialProperty
Professional Liability
Worker’s Compensation
Pollution Liability

General liability coverage

Risk Factors

A patron of your golf course gets hit in the eye by an errant golf ball and sustains severe injuries.

Solution

General liability insurance would cover the medical expenses related to this bodily injury and any legal fees if the customer decides to take legal action against your business.

Commercial property insurance coverage

Risk Factors

Lightning strikes a tree on your golf course, starting a fire that spreads to your clubhouse. The building is severely damaged, and much of your furniture and equipment are destroyed.

Solution

Commercial property insurance would cover repairing and replacing damaged business property.

Professional liability coverage

Risk Factors

One of your golf instructors fails to correct a client on his swing posture. As a result, the client strains his previously injured shoulder and requires medical attention. He ends up filing a lawsuit against your business for negligence.

Solution

Your professional liability insurance would cover the legal expenses associated with this incident.

Worker’s compensation coverage

Risk Factors

One of your golf instructors develops a shoulder injury due to overuse, which requires surgery and physical therapy.

Solution

Workers’ compensation insurance will cover these medical costs as well as a portion of their lost income if they are unable to work during physical therapy.

Pollution liability insurance coverage

Risk Factors

Neighboring residents who own homes bordering your golf course have complained of itchy eyes, respiratory discomfort, and rashes. They claim it's a result of the pesticides you've used on your golf course, and they sue your business.

Solution

Pollution liability insurance would cover the lawsuit and damages.

What is Golf Course Insurance?

Golf course insurance is a type of business insurance specially designed to cover the needs of a golf course. As with all business insurance, it's a blend of various coverage.

Common types of insurance which can be included in Golf Course Insurance

General liability – Covers legal expenses in case of a lawsuit.

Liquor liability – Covers legal expenses specifically related to serving alcohol, like drunk driving cases.

Directors and officers insurance (D&O) – Protects board members and other top officials in your organization from legal action if the actions they took on your behalf resulting in a lawsuit.

Commercial property – Protects structures and other belongings, such as furniture, in the event of a natural disaster or additional damage.

Flood insurance – Covers flood damage that isn't covered by standard commercial property insurance.

Commercial auto insurance – Covers vehicles in the event of accidents, such as service trucks or courtesy cars.

Inland marine insurance – Includes moving machineries such as lawn tractors or golf carts. It may also include distinctive features of the course, such as trees, that aren't covered by commercial property insurance.

Workers' compensation – Covers worker expenses if they are injured on the job.

It's smart to change your coverage over time as your needs change, which an independent insurance agent can help manage. Larger courses, for instance, will require extra insurance, particularly if you wish to organize special events like weddings or competitions.

Examples of Golf Course Insurance

It may seem expensive and time-consuming to purchase a lot of insurance for your golf course, especially if it is tiny. So, we're here to explain the procedure and discuss any pitfalls. Golf courses have a variety of distinct commercial challenges. Golf course insurance enables you to manage or perhaps completely avoid them.

Here are a few examples:

Lawsuits:

If you are sued, liability insurance will cover the cost of an attorney, shielding your golf course from having to foot the bill for hefty settlements.

Worker Injuries:

If one of your employees gets wounded on the job, workers' compensation may be able to pay for everything from a sprained ankle to a terrible burn. Doing this saves you from needing to pay for costly medical bills and time off work.

Natural Disasters:

Insurance has you covered if your buildings, equipment, vehicles, or green are damaged in a wildfire, hailstorm, or another natural disaster.

Theft & Vandalism:

As with natural disasters, insurance has you covered if your course targets thieves, vandals, and even rioters.

Special Events:

Insurance is a requirement if you want to hold weddings, competitions, or fundraisers at your course. Liability insurance protects you from lawsuits arising from unfortunate incidents, while commercial property insurance enables quick emergency repairs.

In conclusion, there are several reasons to purchase golf course insurance, but only two may be used to argue against doing so: time and money spent on premiums. But in the end, those are a tiny price to pay for your golf course's long-term viability and security.

Contact us today to know more about the various options you have when it comes to golf course insurance.

Already have Golf Course Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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