Country Club and Golf Course Insurance

Property, GL, liquor liability, and special event coverage for country clubs, golf courses, and private clubs.

Insurance for Country Clubs and Golf Courses

Country clubs and golf courses carry a combination of property exposure (clubhouse, course maintenance equipment, cart fleets), premises liability (member and guest injuries), liquor liability, special event coverage for tournaments and banquets, and employment practices liability for seasonal and full-time staff. We place property, GL, liquor liability, special event, EPLI, workers’ comp, commercial auto, and umbrella for private clubs and golf operations. Contact us to review your program.

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

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 matched 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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See what your current policy misses.

  • Send us your current policy and we’ll read every line

  • You get a written rundown of the gaps at no cost

  • A principal who knows your industry handles the placement