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Essential coverages to meet client demands
When you also have equipment or operate from a club
All Basic plan benefits and:
Get protected against employment-related issues
All Standard plan benefits and:
*plus Workers Compensation
General Liability insurance is a coverage that protects you, your golf course, your country club and your employees from the risks involving third-party property damage, personal injury and advertising mistakes. The insurance will cover the expense of settlements, litigation and judgments awarded by courts even if the case is deemed to be groundless.
Workers' Compensation will cover medical expenses necessary to get employees back to work if they have suffered an illness or injury as a result of their work. It also provides disability payments if the employee is unable to work, as well as lost wages. The policy then relinquishes employee rights to sue your business for negligence.
Business Interruption insurance covers the loss of income that your business suffers after a disaster. The disaster-related incident could be due to a fire, a pipe burst, earthquake, tornado or other covered incident. The insurance can also cover recurring fees like your employees' salaries, monthly bills and the expense of moving to a temporary location.
Commercial Property insurance covers the risk of property loss after incidents such as fire, theft, flood and natural disaster. For example, if the office building is damaged in a fire, this insurance covers that loss. Storm damage including tornadoes or hurricanes is covered as well. If the sign outside your golf club gets vandalized or destroyed, these are covered as well.
Establishments in this industry operate ski-related facilities, golf courses, and country clubs. These establishments also provide instruction for golf, skiing, and snowboarding. They may also sell food, beverages, and rent equipment.
In order to keep up with the competition, golf and country clubs look for ways to entice customers to subscribe to their clubs. These amenities could be in form of gym memberships, swimming pool use, spas, etc. These pose more risks than just the golf club alone. This means that you need to have adequate insurance to cover most of these risks. Without insurance, you’ll risk losing your business and personal assets from just a slip and fall claim alone.
Here are some of the risks your golf courses and country clubs can face:
The cost of insurance for golf clubs depends on several criteria. Most insurance carriers will determine the size of your business, the number of employees and your coverage requirements to determine the cost of your insurance policy. If you want to know an accurate cost of your insurance, apply online to get a free quote or simply contact our customer service representatives.
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