Golf Club Insurance

At Dixons Commercial Insurance we have access to wide range of specialist commercial insurance cover for your golf club, course assets and liability risks.

We are an independent insurance broker providing competitive commercial insurance for golf club insurance throughout the UK. We service our clients throughout the whole of the UK including Northern Ireland, Scotland, Wales and England whether you are a proprietary golf club or a private members owned club.

Cover includes

  • Buildings and contents.
  • Maintenance and irrigation equipment.
  • Damage to playing surfaces including greens and tee areas.
  • Accidental damage to greens by greenkeeping staff.
  • Compulsory course alteration.
  • Protection for Your Members
  • Members’ personal effects.
  • Member-to-member liability.
  • Hole-in-one bar expenses for official club competitions.
  • Road Traffic Act Liability
  • Personal Accident
  • Legal Expenses
  • Engineering Policy
  • Directors & Officers Policy

Claims Examples

Vandalism you may have to close those damaged areas for repairs. This may make a significant interruption to your business and impact your profits. Unfortunately many thoughtless vandals can quite easily access most golf courses due to their geographical expanse. While private members or guests may choose to still play on temporary greens, it spoils the enjoyment for all players and damages the clubs reputation.

Malicious damage to tees or greens can prevent medals or competitions from being played. Worst of all loss of  bookings will impact the income into any club and the quality of greens is paramount. Damage to the greens may take weeks or months to repair during which time the reputation of the course suffers badly. Business Interruption insurance can help protect your golf club for loss of profits for a wide range of perils.

Property Damage and Injury Providing a valet service at your golf course or club is convenient for your guests, but damaging a vehicle or causing injury is a very real risk associated with that convenience. To protect your golf course or club from lawsuits by a third party, obtain a general liability policy. You must also be certain that a garage keeper’s legal liability policy is also in effect with adequate limits to cover any physical damage to the patron’s vehicle or other vehicles on site.

Employee Claims On average, it’s estimated that three out of five businesses will be sued by their employees. Golf courses, just like any other business, are vulnerable from the pre-hire process through to a possible reduction in workforce. Claims can stem from just about anything, such as someone taking a “joke” the wrong way and being offended. In addition, key personnel (such as directors, officers and other Board members) may be at increased risk resulting from possible discrimination, slander and more. Seek the broadest policies available with the highest rated carriers and have separate limits for both employment practices liability and directors and officers liability. Review all of your liability policies, as gaps or overlaps may occur with third party discrimination coverage, fiduciary liability coverage and professional liability.

Cyber Breach Experiencing a data breach is not a question of “if” but rather a question of “when.” Members or employees who entrust you with their private, personal information, and the potential for mishandling this information, can put your golf course or club at risk. In fact, if this information is ever lost, stolen or compromised, you may be legally obligated to alert those impacted by the breach. Securing a cyber liability policy can offer coverage for expenses associated with compliance to data breach notification laws, securing legal counsel to advise on incident response, credit monitoring services and paying for regulatory defense and penalties arising from privacy laws violations.

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