Golf Course & Country Club Insurance
Protecting Your Business from Tee to Green
At Refine Risk, we understand that your golf course or country club is more than just a place to play, it’s a community, a business, and a legacy. While golf courses are known for their beauty and the sense of relaxation they bring, they also face a range of unique risks that require specialized insurance coverage.
From clubhouse fires to golfer injuries to severe weather damage, we design comprehensive golf course insurance systems that keep your course safe, your members happy, and your future secure.
Why Golf Course Insurance Matters
Golf courses and country clubs operate in complex environments. You welcome hundreds—or even thousands—of guests each year. You host tournaments, weddings, and events. You maintain valuable equipment and property. And you manage everything from food and beverage services to golf carts and pro shops.
This level of activity brings significant exposure to risks such as:
- Injuries to players, guests, or staff
- Property damage from fire, storms, or vandalism
- Equipment breakdown
- Liquor liability in restaurants or bars
- Environmental hazards and pesticide use
Without comprehensive insurance, a single claim could threaten your course’s financial health and long-term reputation.
Who Needs Golf Course Insurance?
We serve a wide range of golf-related businesses, including:
- Private and semi-private golf clubs
- Public golf courses
- Golf resorts and destination courses
- Driving ranges and practice facilities
- Mini-golf and family entertainment centers
- Pro shops and golf retail stores
No matter the size or scale of your golf business, Refine Risk can help you build a coverage system that meets your needs.
Key Coverages for Golf Course & Country Club Insurance
General Liability Insurance
Protects your business from third-party claims of bodily injury or property damage. For example, if a golfer is hit by a stray ball or slips on the patio, general liability covers legal costs and medical expenses.
Property Insurance
Covers your buildings, clubhouses, pro shops, maintenance facilities, golf carts, and other structures against damage from fire, storms, vandalism, and theft.
Equipment Breakdown Insurance
Protects your essential equipment—like irrigation systems, HVAC, and kitchen appliances—from mechanical breakdowns or electrical failures that could disrupt operations.
Liquor Liability Insurance
If your facility serves alcohol, this coverage protects you from claims related to overserving patrons or alcohol-related incidents.
Golf Cart Insurance
Covers damage to or caused by golf carts, including collisions, theft, or vandalism.
Workers’ Compensation Insurance
Covers medical expenses and lost wages for employees injured on the job.
Pollution Liability Insurance
Essential for golf courses that use chemicals and pesticides. Protects against environmental claims that can arise from spills or runoff.
Event & Wedding Insurance
Provides coverage for special events, weddings, or charity outings hosted at your facility. Includes protection for cancellation, liability, and participant injuries.
Additional Risk Management Considerations
- Weather Risks: Courses are exposed to severe weather like hail, flooding, and hurricanes. Comprehensive property insurance and business interruption coverage can help mitigate these risks.
- Food & Beverage Operations: Restaurants and bars bring additional liability, requiring tailored coverage for foodborne illnesses, alcohol service, and kitchen equipment.
- Pro Shop Retail: Selling golf equipment and merchandise requires coverage for inventory, theft, and product liability.
- Membership & Guest Safety: Clear policies, staff training, and signage help reduce the risk of injury claims and enhance your insurance profile.
Cost Factors for Golf Course Insurance
Insurance costs depend on many factors:
- Size and type of course or facility
- Annual revenue and number of members
- Services offered (e.g., tournaments, banquets, pro shops)
- Location and weather exposure
- Claims history and risk management practices
Refine Risk works with top national and regional carriers to secure the best rates for your needs.
Serving Golf Courses Across NY, NJ, and CT
From exclusive country clubs in Westchester to public courses in Newark and destination resorts in Stamford, our team understands the unique regulatory requirements, environmental considerations, and risk exposures of golf operations in the Tri-State area. We tailor every insurance plan to your course’s vision and growth goals.
Why Choose Refine Risk?
- Local expertise in golf course insurance
- Access to top-tier national carriers
- Custom protection systems that evolve with your business
- Advisors who prioritize your legacy—not just the next sale
How to Get Started on Your Golf Course Insurance Quote
Protect your course, your guests, and your future with a comprehensive insurance system. Call our office today or complete the form below to get started on a personalized Golf Course & Country Club Insurance quote. Let’s build a plan that keeps you swinging with confidence no matter what comes your way.