Golf Course Insurance.

Golf course insurance is a type of insurance specifically designed to protect golf courses and their owners against the unique risks and liabilities associated with operating a golf course.

Golf course insurance typically includes coverage for property damage, liability, and business interruption.Property damage coverage can protect against losses resulting from natural disasters, vandalism, and other types of damage to the course or its facilities. Liability coverage can protect against legal claims made by individuals who are injured on the course or by third parties who may be affected by the course's operations. Business interruption coverage can provide financial protection if the course is unable to operate due to a covered event, such as a natural disaster.

Golf course insurance may also include coverage for golf carts, equipment, and other assets, as well as for lost revenue and additional expenses incurred as a result of a covered event.

If you’re the proud owner of a golf course, it's essential that your business is properly protected. From driving ranges to pro shops and country clubs - here are some of the business types that should consider Golf Course Insurance:
Golf range operations
Golf shops
Par 3s
Executive courses
Semi-private and private golf facilities

There are several steps you can take to mitigate risk for your golf course operation:
Develop and implement policies and procedures: Having clear policies and procedures in place can help prevent accidents and minimize liability. This may include guidelines for safety, maintenance, and customer service.
Train employees: Providing training to your employees can help reduce the risk of accidents and injuries on the golf course. This may include safety training, customer service training, and other relevant training.
Conduct regular safety inspections: Regularly inspecting the golf course and equipment can help identify and address potential hazards before they cause accidents or injuries.
Maintain equipment: Proper maintenance of equipment, such as golf carts and mowers, can help prevent accidents and reduce the risk of liability.
Implement safety measures: Implementing safety measures, such as signage and barriers, can help reduce the risk of accidents and injuries on the golf course.
Purchase appropriate insurance coverage: Purchasing the appropriate insurance coverage, such as liability insurance, can help protect your golf course operation from financial losses due to accidents or injuries.
Communicate with your customers: Clearly communicating the rules and expectations for your golf course can help prevent accidents and minimize liability.

If you want to work with a commercial insurance brokerage that puts people first and values transparency, sustainability, ownership, and impact, then Summit is the right choice for your business insurance needs.

At Summit, we craft innovative insurance solutions that are custom tailored to your business, giving you the confidence you need to succeed. Our team is dedicated to building trust and creating value through open and honest communication. We are in it for the long haul and strive to make a positive impact in everything we do.

So if you want a business insurance partner that shares your values and is committed to helping you succeed, consider working with Summit.

It is important for owners and operators of golf courses to have comprehensive insurance coverage to protect their business and assets. Golf course insurance can provide coverage for the property, facilities, and equipment on the grounds, as well as liability coverage for accidents or injuries that may occur on the course or in the clubhouse.
As standard, you should consider the following:
‍Commercial General Liability Insurance: covers the day-to-day risks you may be liable for due to operating a golf course. Some examples are if a member slipped and fell on a spilt drink in your clubhouse and injured themselves, or an employee in a golf cart accidentally ran over a member’s expensive club set, damaging their clubs.
‍Commercial Property Insurance: covers your business from specific insured risks that occur beyond your control, such as a fire, theft, flood or vandalism. Say a fire broke out in the clubhouse after hours. This insurance may provide reimbursement to replace or repair damaged equipment.If you host golf tournaments at your course, then you should also have
‍Event Liability Insurance: coverage designed to protect your business from any third-party property damage, injury or other claims you may be liable for during the course of the golf event. For example, you’re hosting a golf tournament, weddings or any other corporate events.
Product Liability Insurance: covers injuries or property damage caused by defective products you sell or distribute. For example, a member buys a golf club from your store; they injure themselves badly when it snapped after the first swing. The member could sue for bodily injury, and Product Liability Insurance could provide monetary coverage.
Cyber Insurance: covering costs like legal fees associated with cyber incidents such as a breach in your online booking software and all of your members data is compromised.

Golf Course Insurance should never be sold solely on price. You are protecting your most important asset. Our mission is to find you the perfect coverage but also find the best priced policy with that coverage.
The exact cost for your insurance policy varies according to factors such as:
Revenue
Operation size
Location
Equipment owned
Past claims
Number of employees