Golf Course Insurance provided by Browne Insurance Services

Whether you operate a public golf course, private country club, or miniature golf course, we know you don’t want your operations handicapped by insurance red tape. Talk to us to find the right golf course insurance and you can focus on running your business and not worrying about your insurance protection.
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 that may be included in a golf course insurance policy

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.

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:

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.

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As an independent agency, Browne Insurance Services
Helps you find the right Golf Course Insurance Coverage
Contact Us
Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

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  • General Liability
  • Commercial Property
  • Professional Liability
  • Worker’s Compensation
  • Pollution Liability
  • Inland Marine

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.

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