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Golf Course and Country Club Insurance
Comprehensive Protection for Golf Courses and Country Clubs
From tournaments and pro shops to restaurants, pools and course maintenance operations, golf facilities face a variety of property, liability, environmental, and staffing risks.
A single uncovered loss — whether it’s windstorm damage to greens, a liquor-liability claim, a pesticide spill, or a cyber incident — can disrupt operations, affecting your members, staff, and revenue.
Brown & Brown specializes in protecting golf courses and country clubs. With deep industry knowledge and strong relationships with leading insurers, we tailor insurance programs to help protect your people, property, and reputation.
Trends Affecting Golf and Country Club Insurance Decisions
Risks for golf and country clubs continue to expand. Key issues to plan for include:
- Expanding amenities: Pickleball courts, fitness centers, spas and simulators attract members but also introduce new liability, property, and personnel considerations
- Labor challenges: Incorrect classification of W-2 employees and 1099 contractors can create compliance and workers’ compensation exposures
- Food and beverage protocols: Increasing scrutiny of liquor service and changes in state laws heighten the need for strong risk management and liquor liability coverage
- Natural catastrophe risks: Hurricanes, floods, wildfires, and severe storms are growing in frequency and severity, putting facilities, grounds, and business continuity at risk
- Cybersecurity threats: Reservation systems, point-of-sale data, and member records make clubs prime targets for ransomware and data breaches, underscoring the importance of incident response planning
Insurance Options for Golf and Country Clubs
Brown & Brown collaborates with you to find solutions for your full spectrum of risks:
Property and business income: Protect clubhouses, pro shops, locker rooms, food and beverage operations, equipment, and golf course grounds (tees, greens, and fairways)
General liability: Safeguard against bodily injury and property damage claims
Workers’ compensation: Cover staff in golf operations, aquatics, racquet sports, food service, and maintenance
Directors and officers (D&O)/employment practices liability (EPLI)/fiduciary: Shield leadership and management decisions, including employment practices
Crime insurance: Guard against employee theft, forgery, or funds transfer fraud
Cyber liability: Defend against ransomware, data breaches, and reservation system exposures
Inland marine: Cover golf carts and maintenance equipment
Business auto: Insure course vehicles and member shuttles
Umbrella and excess liability: Secure higher-limit protection across policies
Liquor liability: Protect against lawsuits related to liquor service (bars, beverage carts and hosted events)
Active shooter and crisis response: Procure planning, response, and financial protection for crisis scenarios
Hole-in-one and tournament insurance: Indemnify prizes for special events
Accident policies: Protect participants in camps, clinics, and other youth programs
Professional liability (golf pros): Safeguard against instruction and consulting exposures
Member personal property protection: Cover members’ belongings on-site
Specialty Coverages and Emerging Risks for Clubs
Today’s golf and country clubs face risks that go beyond traditional insurance. Many clubs are asking about insurance and risk management guidance for the following:
- Lithium-ion golf cart battery risks
- Residential developments on or near club property
- Attractive nuisances (ponds or other hazards)
- Vendor and contractor liability transfer
- Event cancellation
- Seawall and bulkhead protection
- Range netting and lighting for tennis or pickleball courts
- Sexual abuse and molestation
- Environmental contamination (aboveground and underground storage tanks, pesticides, per- and polyfluoroalkyl substances)
By anticipating these exposures, we can help you stay ahead of regulatory requirements and member expectations.
Why Golf and Country Clubs Choose Brown & Brown
Our specialized focus sets us apart. With Brown & Brown, you gain:
- In-depth knowledge: Seasoned insurance professionals in golf and hospitality
- Personalized solutions: Insurance tailored to your operations, amenities, and member base
- Market access: Connections with all major carriers, plus golf-specific programs
- Claims and risk consulting: Real-world support when it matters most
- Quiet confidence: Communication that shows we know your business and speak the language of golf operations
Frequently Asked Questions (FAQs) about Golf Course and Country Club Insurance
Clubs typically purchase property insurance (for clubhouses, carts, and equipment), general liability, workers’ compensation, liquor liability, management liability (directors and officers, employment practices liability), cyber liability, umbrella, and specialized event coverage.
Premiums vary by location, property size, amenities, staff count, claims history, and coverage needs. Liquor service, special events, pools, and fitness centers all impact cost.
Board members may face personal liability for governance decisions. Without directors and officers (D&O) coverage, individuals risk financial loss from lawsuits tied to mismanagement and other business actions.
Clubs face a range of risks. Harassment, wrongful termination, discrimination, overservice of liquor, liquor-related accidents, assault, battery, and other incidents can lead to lawsuits and liability claims.
Clubs benefit from adopting risk management best practices related to staff training, facility inspections, safety policies, equipment maintenance, and proactive claims handling. Your risk management efforts can make a difference in your insurance pricing and terms.
A specialty broker has access to tailored, industry-specific programs and often can negotiate broader protections than available through a generalist broker.
To keep members and employees safe, you need a written response plan for each scenario you could encounter — for example, severe weather, medical emergency, fire, or active shooter. In each plan, detail the steps you will take to respond to the emergency. Talk with your insurance broker, insurance companies, local officials, and industry associations for guidance on what to include in your plans.
Explore Other Hospitality Insurance Solutions
Connect With Brown & Brown
Deliver an exceptional member experience while confidently managing risks. Schedule a consultation with our Brown & Brown team to request a golf and country club risk assessment today.