GOLF COURSE INSURANCE

Insurance for Golf Courses, Clubhouses, Grounds, Employees, Events & Daily Operations

Golf courses can carry several different insurance exposures at the same time: fairways, greens, clubhouses, maintenance buildings, employees, members, guests, carts, food service, alcohol service, tournaments, course property, irrigation systems, chemicals, cyber risks, and board or ownership decisions. Kelly Insurance Group helps golf course operators review the coverage areas that may apply to their course, club, property, and operations.

Important: This page is for golf course and golf club insurance. Standalone personal golf cart insurance requests are not handled through this page.
Golf course insurance scene with fairways, clubhouse, trees, and golden hour course views
Course + Clubhouse + Grounds
Country Club Insurance Private Golf Club Insurance Public Golf Course Insurance Municipal Golf Course Insurance Golf Course Insurance Cost Guide

Golf Course Insurance Is Not One Single Coverage

A golf course insurance program may include several policies or coverage parts depending on how the operation is structured. A daily-fee public course, private member-owned club, resort course, municipal course, management company, and nonprofit golf club may each need a different review.

Common Golf Course Exposures

  • Guest, member, spectator, and premises liability
  • Clubhouse, pro shop, maintenance, storage, and course property
  • Groundskeeping, mowing, spraying, chemicals, and equipment use
  • Liquor, banquet, restaurant, tournament, and event exposures
  • Workers compensation, employment practices, cyber, D&O, and umbrella liability
COVERAGE LENS

Choose the Area You Want to Review

Click a category below to see which coverage areas may need attention for a golf course insurance review.

Apply / Upload Intake

Property & Course Assets

Golf courses may need to review clubhouse buildings, pro shop contents, maintenance buildings, irrigation systems, pumps, signs, fences, kitchen equipment, business personal property, golf course property, and equipment breakdown exposures.

Golf Course Coverage Areas We May Review

The right insurance structure depends on what the golf course owns, leases, serves, operates, maintains, manages, and hosts.

What Makes Golf Course Insurance Different?

Golf courses can combine property, hospitality, recreation, employment, vehicle, equipment, land, environmental, alcohol, cyber, and management liability exposures. That is why the intake process matters. The more complete the information is, the better the insurance review can be.

Ready to Start?

Use the golf course and golf club intake instruction page to complete the questionnaire, upload documents, submit loss information, and provide supporting details.

Start the Golf Intake Process

Related Golf Course & Golf Club Insurance Pages

Use these pages if your golf operation is more specific than a standard golf course.

Golf Course Insurance Questions

Need help identifying which application, coverage area, or golf course page fits your operation? Contact Kelly Insurance Group or book a time to review the account.

Application Path Golf Course / Golf Club Insurance Intake Go to Intake Instructions

Disclaimer: Coverage availability and eligibility may depend on many factors, including underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations. Information on this page should not be relied upon as a substitute for reviewing the actual policy language or consulting appropriate professional advisors. Kelly Insurance Group does not employ, supervise, or direct attorneys.