People head to golf courses and country clubs for many reasons, whether it's to play a round or enjoy brunch. Regardless of the activity they are participating in, the objective is usually the same—to get away and relax.
But a lot can go wrong at a golf course, from errant golf balls damaging property to a tornado destroying the grounds. That's why it's important to have the proper business insurance for golf and country clubs.
Golf Course Insurance Basics
Before you start shopping around for insurance, you may want to take a look at some of the things you will need covered:
- Buildings. This includes the clubhouse, pro shop, storage sheds, golf cart garages, and maintenance sheds.
- Property. Don't forget about the golf course itself. In addition to the fairways and roughs, you will also want landscaping, putting greens, driving ranges, and tees covered.
- Additional structures. There are more on a golf course than you may realize, from signs, course markers, bridges, paved cart paths, benches, and more.
- Maintenance. Most golf courses have sophisticated irrigation systems and expensive maintenance equipment that will need to be covered as well.
However, it's the threat of a potential lawsuit that all golf courses and country clubs should be aware of. For example, let's say a golfer is severely injured from a crash on his golf cart and sues your course for failing to provide safe carts. He wins his case, and you are ordered to pay $250,000 in medical bills and pain and suffering. Without golf course insurance, this could be devastating.
There are other situations golf courses need to be aware of when looking for liability insurance. Another example includes a special event at the course that includes an open bar and the server inadvertently serves alcohol to minors without bothering to check ID. Their parents sue the course, and you are ordered to pay. Liquor liability coverage handles these costs, including fines.
Types of Business Insurance for Golf Courses and Country Clubs
Your golf course insurance should include at minimum the following liability coverages:
- General liability. This pays for bodily injury, death, or damage to property that occurs while on your premises.
- Professional liability. This is important for instructors and covers bodily injury or property damage caused while under the instruction of a golf or tennis pro.
- Special event liability. Many golf courses and country clubs host special events. This provides coverage for property damage and bodily injury during those events, whether on grounds or off.
- Liquor liability. Pays for damage or injuries associated with serving alcohol.
Other coverage to consider includes vehicle damage for stray golf balls, pollution liability, extended medical payments, and additional insured to cover volunteers and staff.
Finding the Best Golf Course Insurance
Many insurance providers offer "hole-in-one" packages designed specifically for the unique needs of golf courses and country clubs. Each company will vary in price and coverage offered, so your best bet is to shop around to find the best deals and coverage you need for your course.
Netquote.com offers information and services you need to find the best business insurance for golf courses and country clubs. You can research different types of coverage, then get multiple golf course insurance quotes for free.
See how much you could save today on your insurance. Get your free business insurance quotes today!