Golf Course Insurance
Country Club Insurance

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Golf Course & Country Club Insurance

Available in all 50 states!

Bankers makes the rough play like a putting green. We specialize in golf course insurance and want your business to thrive. Because we are an independent insurance agency and offer an entire stable of insurance companies, we always have your best interests at heart. As one of our clients, you will enjoy the benefit of many tools and resources to help your business run efficiently and profitably.

Why wait until your policy renews?  Call (877) 606-1375 today.

Insurance Program

We Insure

  • Public and daily-fee golf courses
  • Private and semi-private country clubs
  • Golf destination resorts
  • Golf management and multi-course operators
  • Driving ranges
  • Miniature golf courses
  • Multi-state operations
  • Social and Sporting clubs
  • Pools and Club Houses
  • Restaurants, Bars, and Catering Services
  • Special Events and Wedding Venues
  • Marinas, Yacht Clubs, and Sailing Schools

We Offer

  • Quality golf course insurance products at the industry’s best pricing
  • Expertise with prompt, courteous service
  • Personal agent:  Each of our clients is assigned an account manager in our office and a phone number that rings on their desk.
  • Country club insurance experts
  • Single policies or complete packages
  • Property: including tees, greens, and cut fairways with no per-hole limitation
  • General Liability
  • Liquor Liability
  • Herbicide and Pesticide Applicator’s Coverage
  • Pollution Liability, including Storage Tank Liability
  • Data Breach / Cyber Liability
  • Commercial Auto
  • Workers Compensation
  • Umbrella Liability
  • Inland Marine: golf carts, lawn care, and all mobile equipment
  • all others

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At Bankers Insurance, the client is always in control.

Business of the Course

Mowed and swept fairways.  Manicured greens.  It takes a lot of effort to maintain your grounds.  Club houses, pools, locker rooms – running a country club can be more intensive than a municipality.  Keep your business operations running smoothly should a claim occur.  Let the pros at Bankers Insurance provide a no-obligation risk analysis.

You know your business better than anyone.  Bankers Insurance knows all the major golf course insurance companies and their handicap.  We will listen to you, review your operations, and highlight risk exposures.  Every country club is unique.  Do you specialize in hosting weddings or special events?  Does your business maintain a harbor or boat slips?  Use our experience to your advantage.  Be assured ahead of time how your golf course insurance package will respond should a claim arise.

Golf Course Insurance Quote Request

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Golf Course / Country Club Insurance Application:

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Insurance Markets

The following list is not exhaustive.  Our major golf course and country club insurance markets include the following:

  • Affinity Club Links Program
  • Allied Insurance (Nationwide)
  • Brethren Mutual
  • Cincinnati Insurance
  • Fairway Underwriters Club Champion Program
  • Golf Club Umbrella Liability Program / Christensen Group
  • Hanover Insurance
  • Ohio Casualty (Liberty Mutual/Montgomery Mutual)
  • Philadelphia Insurance
  • Resort Hotel Association Risk Purchasing Group
  • RPS Bollinger Club Program
  • Selective Summit Club Program
  • Southern Insurance
  • Travelers Eagle 3 Program
  • Utica National
  • Venture Preferred Club Program

Golf Course Insurance Program Options and Highlights


Property

Country Club Insurance
  • Clubhouse, poolhouse, and maintenance buildings
  • Swimming pools, fitness centers, tennis courts
  • Tees, greens, and cut fairways with no per hole limit
  • In-ground sprinkler systems and equipment
  • Docks, wharfs, piers, bulkheads
  • All business contents – blanket basis available
  • Business Income – actual loss sustained
  • Personal property of golf club professionals
  • Employee dishonesty
  • Members’ and guests’ property
  • Outdoor trees, shrubs and plants
  • Additional property: foot and cart bridges, walkways, retaining walls, statues, pump houses, hole markers, ball washers, tennis courts, lightning detection/warning systems, and other miscellaineous property used in the golfing and country club operations

Liability

Country Club Pool Insurance
  • Operations can include pools, restaurants, pro shops, fitness centers, golf courses, tennis courts, and even marinas with ancilliary services.
  • Club services errors and omissions
  • Delivery errors and omissions
  • Golf and tennis pro professional liability
  • Data Breach / Cyber Liability
    • Most clubs have significant exposure in this area involving employment records, membership records, credit card usage, media liability for website content and member email blasts.
  • Additional insureds to include your golf and tennis pros
  • Incidental malpractice
  • Property damage caused by golf balls
  • Blanket additional insureds as required by contract

Inland Marine

Golf Course Equipment Insurance Greenskeeper

Depending upon your specific country club insurance package, some of these items may be included under the Property section. Either way, ensure your coverage is up to par.

  • Golf carts
  • Tractors
  • Mowers
  • Sweepers
  • All other greenskeeper equipment
  • Portable irrigation and grounds maintenance equipment (permanent equipment under Property)
  • Catering equipment (that leaves premises)

Other

Golf Course Herbicide Pesticide Insurance
  • Herbicide and Pesticide Applicator’s Coverage
  • Pollution Liability, including Storage Tank Liability
    • Both on and off site coverage, whether it involves storage tanks or not.
  • Club professional replacement
  • Business Auto, including
    • Hired and Non-Owned liability
    • Care, custody, and control (valet parking)
    • Hired/rented physical damage
    • Lease/loan gap
  • Liability and Physical Damage Coverage for Drones (such as used for surveillance, or preparation of advertising material)
  • Identity theft
  • Liquor liability
  • Management liability, including directors & officers liability and employment practices liability
  • Umbrella liability
  • Workers compensation
  • Daycare
  • Abuse and Molestation

Management Services and Risk Mitigation

With each of our golf course insurance packages our clients receive many other services at their request.  Many are provided at no cost.

  • Consultation on contractual liability and risk transfer
  • Workers compensation experience modification analysis and review
  • Site safety reviews
  • OSHA training
  • OSHA publications
  • Driver safety programs
  • Review all of Bankers’ value-added client services.

Other Services and Resources

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We offer choices and expertise.  We don’t expect clients to be golf course insurance experts.  Take advantage of our experience.  We can explain your options and help you determine the right coverages.

As your insurance agent, we strive to know you.   Only then can suggest the coverage that suits your specific business.  We look for coverage gaps to help ensure complete protection.  With us, you get the benefit of: