Looking for Golf & Country Clubs Insurance?
Protect your club from member injuries, property damage, liability claims, and event-related risks. Harper provides insurance for golf courses, country clubs, and private membership facilities, with fast certificates for lenders, members, and event partners.
What is Golf & Country Clubs Insurance?
Golf and country club insurance protects club operators from a wide range of risks tied to recreational facilities, hospitality services, and member events. These risks include golf-related injuries, cart accidents, property damage, liquor-related incidents, employment claims, and special event liability. Coverage commonly includes general liability, property insurance, liquor liability, employment practices liability (EPLI), workers compensation, and umbrella coverage. Lenders, governing boards, and event organizers often require proof of insurance before financing, hosting events, or approving contracts.
Club & Premises Liability
Covers injuries to members, guests, or visitors occurring on the golf course, practice areas, clubhouse, parking lots, or common areas.
Golf Cart & Course Operations Coverage
Protects against injuries and property damage arising from golf cart use, maintenance operations, or course-related activities.
Property Protection
Covers clubhouses, pro shops, dining facilities, maintenance buildings, irrigation systems, carts, and course equipment from fire, theft, vandalism, or storm damage.
Liquor Liability
Applies when alcohol is served and covers claims related to intoxication, over-service, or alcohol-related incidents during dining or events.
Event & Tournament Coverage
Covers liability arising from hosted tournaments, weddings, banquets, fundraisers, and member or public events.
Employment Practices Liability (EPLI)
Protects against claims related to hiring, termination, discrimination, harassment, or wage disputes involving club employees.
Workers Compensation
Covers employee injuries, medical expenses, and lost wages for groundskeepers, hospitality staff, and administrative employees.
Certificates
Fast proof of insurance for lenders, members, vendors, and event partners.
Who Needs Golf & Country Clubs Insurance?
- Private country clubs : Businesses requiring specialized insurance coverage
- Semi-private golf clubs : Businesses requiring specialized insurance coverage
- Public golf courses with amenities : Businesses requiring specialized insurance coverage
- Membership-based recreational clubs : Businesses requiring specialized insurance coverage
Why Harper?
Country Club & Recreational Facility Expertise
Harper understands the layered risk profile of golf and country clubs: from course operations and cart exposure to dining, alcohol service, and high-profile events. Coverage is structured to support both daily operations and special occasions.
Fast Proof for Financing, Events & Member Needs
Lenders, event planners, and governing boards often require insurance documentation on short timelines. Harper delivers accurate certificates quickly to support financing, tournaments, and private events.
Clear, Practical Coverage Guidance
We explain liability, property, liquor, and employment coverage in clear terms so boards and managers understand how protection applies across club operations.
Coverage Matched to Your Amenities
Whether your club offers golf-only access or full amenities like dining, tennis, swimming, and events, Harper aligns coverage with your services and membership structure.
Frequently Asked Questions
What insurance do golf and country clubs need?
Most clubs need general liability for injuries, property insurance for facilities and equipment, liquor liability if alcohol is served, golf cart coverage, EPLI for employment-related claims, workers compensation, and umbrella coverage for larger operations.
Is golf club insurance required?
Yes. Lenders typically require comprehensive property and liability coverage for financing. Alcohol control boards require liquor liability for dining and event service.
How much does golf and country club insurance cost?
Smaller golf courses may pay $15,000–$40,000 annually. Full-service country clubs with dining, events, and multiple amenities often range from $40,000–$150,000+ depending on size and membership.
Does insurance cover golf cart accidents?
Yes. Golf cart and course operations coverage can apply to injuries or property damage caused by carts when operated as part of club activities.
Does insurance cover injuries during tournaments or events?
General liability and event coverage can apply to member and guest injuries during tournaments, banquets, weddings, or social gatherings held on club property.
Can members or event organizers request proof of insurance?
Yes. Membership agreements, tournaments, and private events often require confirmation of insurance. Harper provides certificates quickly for member communications and event planning.