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Golf course insurance designed to best fit your needs.
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Golf is a relaxing pastime that many people enjoy, but operating a golf course isn’t such a walk in the park! Specialty golf course insurance can protect your business from financial risks associated with property damage, extreme weather, liquor liability, and much more.
The real risks of running a golf course.
Running a golf course brings some unique risks and specialty golf course insurance can help mitigate these potential costs. By understanding these risks and having the right policy in place, you’ll be prepared for the unexpected.
Why your golf course needs the right insurance.
For example, mis-hit golf balls can easily damage property, such as vehicles or equipment, or even injure players or spectators. You also need to consider the equipment and systems that keep the course running such as sprinkler systems, the risks of pests and diseases that could damage your course, and even the potential damage and disruption if extreme weather knocks down trees. You need to consider not just the cost of repairing the damage, but also the lost income if the course is temporarily unplayable.
Common coverages that you should have to help protect your business:
- Workers’ Compensation
- Professional Liability
- Directors & Officers
- Employment Practices Liability
- Pollution Liability
- General Liability
- Risk Management
- Loss Control
- OSHA Compliance & Reporting
- Claims Cost Containment
- Mod Analysis
The importance of liquor liability.
If you serve alcohol at the course, you’ll need liquor liability insurance. This covers you against claims for damage caused by people who became intoxicated on your premises; this can include physical conflict, drunk-driving, and property damage.
The business side of golf courses.
Most golf course insurance companies also offer standard commercial insurance elements as well. These cover risks to your buildings and equipment, claims relating to your staff’s health and employment issues, and any liability you have for injury and damage suffered by visitors.
Don’t take unnecessary risks. Contact us today to get the insurance you need for your golf course.
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