Golf Club Insurance

We provide insurance for private members' clubs, public golf courses, driving ranges, mini golf facilities, golf academies, and mixed-use venues offering golf alongside other activities.

Yes, our policies typically include coverage for storm damage, flooding, and other weather-related incidents that could damage your course, facilities, or equipment. Specific coverage depends on your policy terms.

Standard policies include basic event coverage, but we recommend additional event insurance for major tournaments, weddings, or corporate events to ensure comprehensive protection.

Liquor liability coverage is essential for golf clubs serving alcohol. This protects against claims arising from incidents involving intoxicated patrons and is typically included in our comprehensive policies.

Yes, we provide comprehensive coverage for golf carts, maintenance vehicles, mowers, and other specialized equipment essential to golf course operations.

We understand golf clubs have seasonal variations and can adjust coverage accordingly. This includes considerations for winter closures, reduced activities, and seasonal staffing changes.

We work with a panel of specialist insurers who understand the golf industry. Previous claims or credit issues don't automatically disqualify you - we'll work to find suitable coverage options.

Yes, professional indemnity coverage for golf instruction is available, protecting against claims arising from teaching, coaching, and professional advice provided by your golf professionals.

We provide insurance for private members' clubs, public golf courses, driving ranges, mini golf facilities, golf academies, and mixed-use venues offering golf alongside other activities.

Yes, our policies typically include coverage for storm damage, flooding, and other weather-related incidents that could damage your course, facilities, or equipment.

Insurance costs vary based on factors including facility size, visitor numbers, revenue, location, and coverage requirements. Contact us for a personalized quote.

Most golf clubs require between £6-20 million public liability coverage. Private members' clubs typically need higher limits (£10-20 million) while smaller facilities may operate with £6-10 million coverage.

Yes, golf cart accidents are typically covered under public liability insurance. This includes injuries to passengers, collisions with other carts, and property damage caused by golf carts on your premises.

Yes, if your golf club serves food and beverages, our policies include coverage for food poisoning claims and other food-related liability issues through products liability coverage.

Golf ball injuries are the most common claims in golf insurance. Our public liability coverage protects against claims from golf ball injuries to players, spectators, staff, and damage to nearby properties.

Yes, our property insurance covers golf course maintenance equipment including mowers, tractors, irrigation systems, and specialized greenkeeping machinery against theft, damage, and breakdown.

Driving ranges can be covered as part of a comprehensive golf facility policy or as standalone coverage. We provide specialized protection for range-specific risks including ball collection systems and safety netting.

Modern golf clubs need cyber insurance to protect against data breaches, payment system hacking, and ransomware attacks on booking systems. We offer comprehensive cyber coverage as part of our golf club policies.

Yes, our policies include event liability coverage for weddings, corporate functions, tournaments, and other special events hosted at your golf facility.

We offer flexible policies that adjust coverage based on seasonal operations, potentially reducing costs during off-peak months while maintaining adequate protection during busy periods.

Yes, golf professionals and instructors need professional indemnity insurance to protect against claims of negligent instruction, inadequate coaching, or failure to provide proper guidance.

Golf clubs with swimming pools, spas, or leisure facilities receive comprehensive coverage for pool-related accidents, drowning incidents, and facility liability under our policies.

Yes, our property insurance covers theft of equipment, golf carts, pro shop inventory, and vandalism to course facilities, clubhouses, and grounds.

We provide 24/7 claims reporting and aim to process straightforward claims within 5-10 working days. Complex claims involving course damage or multiple parties may take longer but receive priority handling.

Absolutely. Business interruption insurance protects against loss of green fees, membership income, and event revenue when your facility cannot operate due to covered incidents like weather damage or equipment failure.

Golf clubs serving alcohol need liquor liability coverage to protect against claims arising from over-serving patrons, alcohol-related accidents, and incidents involving intoxicated guests.

Yes, our policies include coverage for tournaments, competitions, and organized golf events including spectator injuries, prize indemnity, and event cancellation protection.

We can arrange contract works insurance for golf club construction, renovation, and improvement projects, protecting against damage during construction and contractor liability.

We typically need details about your facility size, annual revenue, visitor numbers, staff count, existing coverage, claims history, and specific risks or concerns about your operation.

Location impacts premiums based on weather risks, crime rates, proximity to residential areas, and local claim frequencies. Coastal courses may face higher premiums due to weather exposure.

Yes, we offer discounts for excellent safety records, security systems, professional certifications, multiple policy bundles, and long-term policy commitments.

Employment practices liability protects against claims of discrimination, harassment, wrongful termination, and other employment-related issues from your golf club staff.

Pro shops can be covered as part of comprehensive golf club insurance or with specialized retail coverage including stock protection, customer liability, and equipment coverage.

Our experienced claims team investigates all claims thoroughly, often involving site visits, expert assessments, and coordination with golf industry specialists to ensure fair and prompt settlements.

Common exclusions include wear and tear, gradual deterioration, pollution (unless sudden and accidental), war, terrorism (unless specifically covered), and intentional acts.

Yes, we can often provide coverage for golf clubs with previous claims, though premiums may be higher. We work with specialist insurers who understand golf industry risks.

We recommend annual policy reviews to ensure coverage keeps pace with facility improvements, revenue changes, new risks, and evolving industry standards.

We provide 24/7 emergency claims support, rapid response for urgent situations, emergency repair authorization, and access to specialist golf course restoration contractors.