Golf Course Insurance: What It Covers and What It’s For(e)

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Who Needs Golf Course Insurance?

A golf course liability insurance policy covers a wide range of facilities and operations, including:

• Public golf courses or private country club courses
• Driving ranges
• Executive courses
• Mini-putt golf courses
• Par 3 golf courses
• Golf shops
• Golf course architects
• Golfing instructors
• Golf tournament hosts

What Does Golf Course Insurance Include?

A golf course insurance policy from Zensurance is customized to suit your business’s specific needs. However, a typical golf course insurance policy includes the following:

• Commercial general liability (CGL) insurance: CGL insurance covers costs associated with third-party bodily injury or property damage claims if a customer is injured or their property is damaged while at your facility. CGL may also include product liability insurance to cover damage or loss from any product you manufacture, distribute, or sell. You need product liability coverage if you have a gift shop or pro shop selling golfing apparel and products. You can add it as an endorsement if it isn’t automatically included in your CGL policy.

• Commercial property insurance: covers your clubhouse, the unique landscaping your course has, and facilities for damages resulting from fire, flooding, severe weather, theft, or vandalism. It also covers damages arising from an errant golf ball.

• Liquor liability insurance: if your clubhouse serves alcohol to guests, you must have liquor liability insurance to cover the cost of claims against your business alleging third-party bodily injury or property damage caused by one of your intoxicated guests.

• Equipment breakdown insurance: helps cover the cost of repairs to your clubhouse’s equipment, including the HVAC system, refrigerators and other appliances, office and electronics, and your course turf maintenance equipment if they have a mechanical malfunction or are damaged by an electrical short or surge.

• Professional liability insurance: safeguards your golfing operations from losses and lawsuits that may arise from the golf-related professional services you provide, such as golf instructor lessons. It covers you for claims of negligence, misconduct, and failure to provide a service as advertised.

• Cyber liability insurance: is critical for all businesses with a website or that provide digital services like online reservations. Cyber liability insurance covers costs associated with a data breach or the fallout from a cyber-attack.

• Commercial auto insurance: is a must-have for any business vehicle you own. Private-passenger car insurance isn’t designed to cover damages from auto accidents or other incidents involving your golf operation’s vehicles.

There may be other types of insurance your policy may require. For example, if you host a tournament at your course that includes a sponsored hole-in-one contest featuring a lucrative prize for the winner, adding hole-in-one insurance (also called prize indemnity insurance) protects the sponsor from paying for the award out of their pocket.

Speak to a licensed Zensurance broker if you have questions about golf course insurance and any optional coverages your business should consider.

Getting the Golf Course Insurance You Need

Unlike golfing, there are no mulligans in insurance. One accident, mishap, or mistake can result in costly damages or a lawsuit. Without a comprehensive golf course insurance policy, you’ll be out of pocket for the expenses and possibly face bankruptcy.

Fill out an online application for a free quote from Zensurance. We’ll customize a golf course insurance policy on par with your business’s needs.