Golf course grounds insurance
The grounds and the course itself are naturally going to be the clubs biggest asset. You will have spent thousands of pounds on plants, shrubbery and trees. You’ll have investing massively in the ongoing maintenance of fairways and greens. You can take out cover that protects you from costs in the event that the golf course was damaged in some way – for example due to a flood or vandalism.
In addition to protecting you from the costs of repairing the damage in the event that the course or grounds were damaged, you can take out cover to insure against loss of income while repairs were underway.
You are likely to have specialist, high value tools, equipment and vehicles used to get around the course to carry out work. Again, these can be catered for as part of your insurance policy.
Golf course liability insurance
One of the most obvious risks is that of a member of the public – be they a club member or guest – claims that they have suffered an injury, illness or loss because of something that has happened at your club. Liability insurance protects you from certain costs in such situations.
You will also require Employers Liability Insurance. This is a legal requirement in the UK. It protects you from certain costs where an employee alleges that they have suffered a loss, injury or illness as a consequence of their work for you.
You may also require professional indemnity insurance where you have a club professional or people teaching golf.