Golf Course Insurance

Golf courses are a hub of activity, with golfers of all skill levels enjoying the sport, groundskeepers maintaining the course, and events held throughout the year. With so many moving parts, it's important for golf course owners to have the right insurance coverages in place to protect their business from potential financial losses.

Coverages for Golf Course Insurance

Golf course insurance is actually a bundle of several policies intended to protect the company's grounds, employees, equipment and bottom line. Below we cover the various insurance policies available for golf courses and what they cover.

Golf Course Liability Insurance

Golf course general liability insurance covers the golf course owner in the event of a lawsuit brought against them by a third party for bodily injury or property damage. This type of insurance covers incidents such as a golfer being injured by a stray golf ball or a guest slipping and falling on the course.

Without liability insurance, golf course owners could face significant financial losses in the event of a lawsuit. Liability insurance can cover legal fees, settlements or judgments, and medical expenses for the injured party.

Golf Course Property Insurance

Golf course property insurance is designed to protect the physical property of the golf course. This includes:

• Clubhouse
• Carts
• Equipment
• The course itself

Golf course property insurance can cover losses due to natural disasters such as fires, floods or severe weather, as well as theft or vandalism.

Without property insurance, golf course owners would be responsible for repairing or replacing damaged property out of their own pockets, which could be a significant financial burden. Property insurance can help golf course owners after a loss.

Golf Course Workers' Compensation Insurance

Golf course workers' compensation insurance is a type of insurance that covers employees who are injured on the job. This includes injuries from operating machinery, lifting heavy objects, or slipping and falling on the job. 

Workers’ comp policies are priced based on employee payroll and the type of work golf course employees do. Some golf course jobs are very physically demanding, involving heavy lifting or pulling and putting workers at higher risk for strains, sprains and repetitive stress injuries.

Workers' compensation insurance is required by law in nearly all U.S. states, and failure to have this coverage in place can result in hefty fines and penalties. This type of insurance covers medical expenses, lost wages and disability benefits for injured employees.

Golf Course Business Owner's Policy (BOP)

A business owner's policy (BOP) is a package policy that combines general liability and property insurance into one policy. This can help golf course owners save money on their insurance premiums while still maintaining comprehensive coverage.

A BOP typically includes general liability insurance, property insurance and business interruption insurance. This type of insurance can cover incidents such as slip and fall accidents on the golf course, damage to the clubhouse, and lost income due to other unexpected events.

Golf Course Umbrella Policy

An umbrella policy is designed to provide additional liability coverage beyond the limits of a primary insurance policy. This type of policy can be especially beneficial for golf course owners who may be at a higher risk for liability claims due to the nature of their business.

Umbrella policies can provide additional coverage for bodily injury, property damage and personal injury claims. This type of policy can help golf course owners protect their assets and avoid potentially devastating financial losses in the event of a lawsuit.

Golf course owners need to be prepared for the unexpected by having the right insurance policies in place:

• General liability insurance
• Property insurance
• Workers' compensation insurance
• Business owner's policy (BOP)
• Umbrella policy 

These are all important insurance policies that can help a golf course owner protect their business and their bottom line. Work with an experienced insurance agent who can help golf course owners assess their risks and find the right insurance solutions for their unique needs.