Golf Course Insurance
What You Need to Know
If you own, operate or manage a golf course in Ontario, you will face unique risks, hazards and challenges which will require special kinds of insurance coverage. Our golf course insurance programs can protect your business from unexpected risks and costs related to extreme weather events, property damage, liquor liability, lawsuits and much more.
Who needs golf course insurance coverage?
If you own or run a golf course, you need to have the right coverage in place so that you can make sure that the specific needs of your business are properly covered. Golf course insurance coverage is a must when handling any of the following facilities or operations:
- Golf range operations;
- Golf shops;
- Par 3s;
- Executive courses; and
- Semi-private and private golf course facilities.
What are the most common types of coverages for golf courses?
The following are examples of the most common types of coverage available for golf courses:
- Commercial property;
- Commercial general liability;
- Commercial auto;
- Liquor liability;
- Directors and officers (D & O);
- Business interruption; and
- Cyber security.
What do golf course insurance companies cover?
Golf course insurance shares many similarities with commercial property and commercial general liability policies. But, because of the unique risks faced by golf courses, they will typically require more specialized coverage which can include, but isn’t limited to, some of the following:
- Seasonal occupancy;
- Damage done to the greens;
- Pollution;
- Liquor liability;
- Pro shop sales; and
- Golf professional coverage on-site.
In addition to the above examples of coverage, it is worth considering the importance of including some type of liability insurance to complement or supplement your existing golf course insurance. This helps to protect your golf course operations when accidents occur and your existing general liability insurance won’t cover all of the expenses. To make sure that you have the right number of limits in place to protect your business completely, it is important to consider the following:
- Your golf club’s net worth;
- The financial position of your golf club; or
- The worst-case scenario claims; for example, an in-use golf cart rolls over and injures someone, or someone gets hit by a stray golf ball.
In addition, many golf club business owners fail to think about protecting their clients’ sensitive and important information, leaving them vulnerable to a myriad of cyber attacks. Most golf courses keep their members’ and guests’ personal information on file so that they can easily access it. In this digital landscape, cyber attacks are becoming more and more common, and as a business owner, you cannot afford to leave this information unprotected for all to see. No matter the size of your golf club, the costs and damages associated with cyber attacks can be absolutely catastrophic. Even if you have the best precautions in place, accidents can happen, mistakes can be made and things can just go wrong. Fortunately, there is cyber insurance available to protect your business.
Trust James Campbell Insurance Brokers With Your Golf Course Insurance Needs
At James Campbell, we put you first. Our clients are our top priority and the backbone behind everything we do.
We can help provide you with protection from insuring your first car, your first home or business or even giving you protection during your retirement travels. Whatever you need coverage for, we’ve got your back. We will make sure that you are ready to live a life free of stress or worry so you can focus on life’s important moments each and every day.
James Campbell Insurance Brokers have been taking care of our members for over 40 years. This is why we are able to make insurance easy by offering you the right solutions at the right times. Our solutions are tailored to fit your individual needs, no matter what they may be.
