Country Club and Golf Course Insurance

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Let’s be real, as a country club or golf course owner, you have a lot on your plate. From maintaining the greens and fairways to ensuring your clubhouses and equipment are in top shape, there’s no shortage of tasks to keep you busy. But one area that you can’t afford to neglect is insurance.

At ZRM Brokerage, we specialize in providing insurance solutions for country clubs and golf courses just like yours that are both comprehensive and cost-effective. We know that each club is unique, and we’ll work with you to create a custom policy that covers all of your needs and contractual obligations.

For example, property insurance is a must-have for any country club or golf course. This type of coverage will protect your buildings, equipment, and other property from damage or loss. And if your club is forced to close due to a covered loss, loss of income coverage will help keep your doors open.

General liability coverage is another key component of a country club or golf course insurance policy. Whether it’s a slip and fall on your property or damage caused by a guest’s actions, this coverage will help protect you against financial losses.

But that’s not all. Many country clubs and golf courses host events such as weddings, parties, and tournaments. If these events are cancelled due to unforeseen circumstances, it can be a significant financial hit. That’s why event cancellation insurance is an important coverage to consider. This type of insurance will help cover expenses and lost revenue if an event is cancelled.

Access the nations best insurance carriers for country clubs and golf courses with appropriate coverage and cost-efficient pricing:

  • Automobile Liability
  • Commercial General Liability
  • Cyber Liability
  • Management Liability (D&O)
  • Professional Liability (E&O)
  • Property Liability
  • Sexual Misconduct Liability
  • Special Event Liability
  • Umbrella/Excess Liability
  • Workers’ Compensation and Disability

Our risk management solutions are designed to be both cost-effective and practical, with a focus on initiatives that will have the most significant effect on your total cost of risk and protecting your personnel.

  • Claim Management & Advocacy
  • Cyber Risk Management
  • Emergency Response & Business Continuity Planning
  • Fire and Property Protection
  • Fleet Safety Program Development & Training
  • Safety Program Review & Development
  • Security & Workplace Violence Prevention
  • Workers’ Compensation Rating and Compliance

Our services are designed to provide employees of all ages with physical, mental and financial health benefits.
  • Compliance Consulting
  • Employee Health and Performance
  • Group Medical, Ancillary and Voluntary Benefits
  • HR Technology Solutions and Benefit Administration
  • Strategic Benefits Planning
  • Workforce Productivity

We can support you and your staff in achieving retirement objectives and personal financial targets.
  • Retirement Plan Consulting
  • Life Insurance Solutions
  • Executive Benefits
  • Financial Wellness Strategies
  • Goals-Based Financial Planning

At ZRM Brokerage, we don’t believe in one-size-fits-all insurance policies. We’ll work with you to understand your specific needs and build a policy that maximizes your protection. Don’t leave your country club or golf course exposed to unnecessary risk.

Contact us today to discuss your insurance solutions.

Country Club & Golf Course Insurance FAQ

Country club and golf course insurance typically covers risks such as property damage, loss of income, liability claims, and event cancellation. This includes protection for buildings, equipment, and other property, as well as coverage for any potential claims of bodily injury or property damage that may occur on the property. Event cancellation coverage is also important for clubs that host events such as weddings, parties, and tournaments.

Determining the appropriate amount of coverage for your country club or golf course depends on various factors such as the size of the property, the number of assets, and the types of events hosted. A specialist from ZRM Brokerage can help you evaluate your specific needs and recommend a coverage amount that is tailored to your club’s unique exposures.

Country clubs and golf courses may require specialized coverage options such as turf and course maintenance, liquor liability, and directors and officers liability. These types of coverage are not typically included in standard business insurance policies and can provide additional protection for your club’s unique exposures.

To minimize the likelihood of claims against your country club or golf course insurance policy, it’s important to implement a comprehensive risk management program. This includes regular safety inspections, employee training, and maintaining accurate records of all events and activities. Additionally, working with a specialist from ZRM Brokerage can help you identify potential risks and develop strategies to mitigate them.

In the event that a claim is made against your country club or golf course’s insurance policy, it is important to contact your insurance provider as soon as possible. They will guide you through the claim process and provide any necessary documentation. An adjuster will be assigned to assess the damage and determine the coverage provided. It is important to have all the necessary documents and information ready to help the process move forward quickly and smoothly. Your insurance provider will also be able to advise on steps to minimize the likelihood of future claims.

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