Golf Course Insurance

Running a golf course means managing a wide range of exposures, from golfer injuries and property damage to weather related course damage and liability tied to carts, clubhouses and pro shops. Golf course insurance may help cover your grounds, buildings and equipment, along with liability for injuries to golfers, guests or staff. Because golf courses often include multiple operations under one roof, such as a clubhouse, restaurant or event space, coverage is typically tailored to fit the full scope of your facility.

What Does Golf Course Insurance Typically Cover?

Golf course policies often combine several coverages into one package. Common coverages include:

• • General liability for golfer, guest or visitor injuries on the course
  • Property coverage for your clubhouse, maintenance buildings and equipment

• Golf cart liability for accidents involving carts on your property
• Liquor liability if your clubhouse or pro shop serves alcohol
• Business interruption coverage for lost income during a covered shutdown

Is Golf Course Insurance Required in California?

California requires workers’ compensation insurance for any golf course with employees. Lenders, lease agreements and liquor licensing boards often require additional coverage such as general liability or liquor liability before operations can begin.

How Much Does Golf Course Insurance Cost?

Premiums vary based on factors like course size, amenities offered, alcohol service and claims history. Ontario, CA golf course owners can get an accurate quote by speaking directly with a licensed agent about their specific operation.