Without golf, what kind of sport would there be in America? Golf news frequently appears in the media to the delight of all followers and is a sure favorite of the famous, including the President, business tycoons, and regular golf enthusiasts.
The owners and designers of the lavish lawns and country club houses that dot many thoroughfares are far removed from the spotlight of the wealthy and illustrious members of society who compete to put the ball in the hole. There is a sizable liability risk exposure to the golf course architect and associated team, the investor and owner, and those driving golf carts. Financial disaster would be a growing concern in the absence of the corresponding appropriate insurance coverage.
All-American Golf Coverage
Golf course designer insurance: This type of indemnity safeguards the architect and all of his or her staff, including the golf course engineers, landscape architects, and gardening architects.
The commercial property liability component and everything it entails are covered by the golf course owner insurance. Liquor liability protection, directors’ and officers’ liability protection, property coverage for associated tees, greens, and fairways, and environmental impairment liability protection against herbicide and pesticide applications make up the various protective packages.
Insurance for golf driving ranges: This type of coverage includes defense for so-called “stand-alone” ranges.
Buildings, business personal property, and equipment are covered by policies that are written on a replacement cost basis for special causes of losses. Whenever necessary, all signage, off-site property, netting, fences, nighttime lighting, and video equipment can also be included.
Loss of income and crime insurance are options for Golf Range policyholders. Excess limits coverage and umbrella insurance both offer broader protection.
In the past, golf carts were straightforward vehicles made solely to transport golfers from one location to another around the golf course. These carts can generally be insured by endorsement through common homeowner’s plans. The more advanced models, however, are categorized as low speed vehicles – multi-purpose carts designed to drive through specific roads, including retirement and gated communities, marinas, overnight and day camps, residences that restrict access to its members and approved visitors, as well as roadways throughout the states that allow it. Similar to automobiles, insuring the multi-purpose golf carts is not as straightforward and necessitates coverage on a separate basis.
Such insurance is required? Make contact with a skilled independent agent who transacts business directly with a number of the industry leaders!