Golf Course Insurance.
Golf course insurance policy packages are specially designed to protect golf course owners & operators against professional and general risks specific to operating a golf business.
Your golf course is second to none, let our experts craft a policy on par with that.
What is Golf Course Insurance?
Owning or operating a golf course has many pros – you get to work in a picturesque environment, experience the great outdoors and socialize with all the members. But most importantly, you’re probably passionate about the game and love what you do!
But as with any business, there are risks and challenges that come with running a business. For example, you may have to deal with members mishandling your expensive equipment, be susceptible to extreme weather conditions on your course, and encounter golf-related injuries sustained by your patrons. Golf businesses also need to ensure they’re covered for professional liability – while courses aren’t typically liable for accidents caused by a poorly played game, they can be liable should they not provide a service as promised.
Why choose Summit?
We help Canadian Business Owners craft the perfect insurance policy for their business.
Our team takes pride in our relentless responsiveness. When you need us, we're here.
We compare rates across leading insurance companies to ensure you get the best price on your premium.
We craft the perfect insurance policy for your business so you can rest easy knowing you're covered.
Your dedicated account manager is there for you as your business grows ensuring your insurance policy grows with you
Golf Course Insurance FAQs
Business Insurance can be complicated. We're here to help.
Golf course insurance policy packages are specially designed to protect golf course owners & operators against professional and general risks specific to operating a golf business.
If you own or run a golf course it’s important that you have the right coverage in place to ensure that the unique needs of your business are sufficiently covered. 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
If you own or operate a golf course, it’s crucial that you have comprehensive coverage that covers your grounds and the facilities on the property, such as locker rooms and your clubhouse. You also need to consider coverage for your employees and know about the general business liability risks that come with owning a golf course.
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, and one of the participants broke their ankle from an unfinished hazard area by one of your groundskeepers. Event Liability Insurance could cover the costs if the players end up suing your business for their injury.Suppose you sell golf equipment at your pro shop. In that case, it’s good to have
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.Finally, you likely use a booking system to store members’ data – it’s your legal obligation to protect their information. Make sure you have Cyber Insurance: covering costs like legal fees associated with cyber incidents (like a cyber hack) involving your technology systems and data. Say that confidential membership data is breached, and the hacker is holding this information as ransom. Cyber Liability Insurance could cover the cost of the ransom, the cost to notify customers of the breach and any other fees required to restore data.
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