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General Liability Coverage
Risk Factors
A patron of your golf course is 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 the costs of 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 would cover these medical costs as well as a portion of her lost income if she is unable to work during her physical therapy.
Pollution Liability Insurance Coverage
Risk Factors
Neighboring residents that own homes bordering your golf course have complained of itchy eyes, respiratory discomfort, and rashes. They claim its 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.
Inland Marine Insurance Coverage
Risk Factors
The valet attendant of your golf course accidentally backs into a sign while parking a customer’s vehicle and scratches the vehicle’s bumper. The customer sues you for damages.
Solution
Your bailee’s customer coverage would provide the funds for the damages and the lawsuit.
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, that means it’s a blend of several different types of 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) – Covers board members and other senior leaders in your organization if they’re sued based on decisions they made for your organization.
Commercial property – Covers buildings and other property, like furniture, in case of natural disaster or other damage.
Flood insurance – Covers flood damage which isn’t covered by normal commercial property insurance.
Commercial auto insurance – Covers vehicles, like maintenance trucks or courtesy cars, in case of accidents.
Inland marine insurance – Covers equipment that moves, like golf carts or lawn tractors. May also cover the green or special course features like 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 up your coverage over time as your needs change, which an independent insurance agent can help manage. Larger courses will need more insurance, especially if you want to host special events like weddings or tournaments.
Examples for Golf Course Insurance
Buying a bunch of insurance coverage for your golf course can feel like an expensive waste of time, especially if it’s small. That’s why we’re here to demystify the process, and talk worst case scenarios.
Golf courses face many unique business challenges. Golf course insurance helps you handle them or even avoid them altogether.
Here are a few examples:
Lawsuits:
Liability insurance pays for a lawyer if you’re sued and protects your golf course from being on the hook for major legal settlements
Natural Disasters:
If your buildings, equipment, vehicles or green are damaged in a wildfire, hailstorm, or other natural disaster, insurance has you covered.
Theft & Vandalism:
As with natural disasters, insurance has you covered if your course is the target of thieves, vandals, and even rioters.
Car Accidents:
If a company vehicle gets into an accident, your regular car insurance won’t cover it, but commercial auto will.
Worker Injuries:
Everything from a golf caddy’s sprained ankle to a kitchen worker’s nasty burn can be covered under workers’ compensation if your employees get hurt on the job. This saves you from needing to pay for costly medical bills and time off work yourself.
Special Events:
If you dream of hosting weddings, tournaments, or charity fundraisers at your course, insurance is a must. Liability insurance shields you from suits over events gone wrong, and commercial property insurance helps you repair fast in an emergency.
In short, there are nearly endless reasons why golf course insurance is a good idea, but only two that can make it seem like a bad idea: time and money paid out in premiums. Ultimately, those are a small price to pay for the long-term stability and success of your golf course.
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.