COUNTRY CLUB MANAGEMENT COMPANY INSURANCE

Insurance for Country Club Management Companies, Club Operators, Hospitality Teams & Event-Focused Club Managers

Country club management companies can be responsible for more than administrative oversight. A management company may handle employees, dining, events, member services, vendors, liquor service, clubhouse operations, golf operations, accounting, maintenance coordination, contracts, and board or ownership communication.

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Management company review: This page is for companies managing country clubs, private clubs, member-owned clubs, nonprofit clubs, resort clubs, clubhouse operations, membership services, food and beverage, or event operations.

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Country Club Management Requires a Contract-Aware Review

A country club management company may sit between the property owner, club board, members, employees, outside vendors, and event guests. The insurance review should address who controls operations, who employs staff, who serves alcohol, who signs contracts, and who is responsible when a claim occurs.

Details That Can Affect Coverage

Full-service or limited-service management scope
Employee payroll and employment responsibility
Food, beverage, bar, banquet, and event operations
Membership data, payment systems, and cyber exposure
Additional insured, waiver, indemnity, and certificate requirements

INTERACTIVE REVIEW

Match the Service Scope to the Insurance Review

Country club management companies may handle membership, hospitality, events, clubhouse operations, course maintenance, accounting, or full-service management.

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Full-Service Management

Full-service country club management may include clubhouse operations, employees, hospitality, events, food and beverage, golf course operations, groundskeeping, accounting, contracts, and member relations.

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Coverage Areas for Country Club Management Companies

Management company insurance may involve operational liability, employment exposure, liquor service, cyber systems, contract requirements, and professional decision-making responsibilities.

01General LiabilityPremises liability, customer injuries, guest areas, golf activity, public access, and course operations.02Workers CompensationGrounds crews, pro shop employees, food service, management, maintenance, and operations payroll.03Employment Practices LiabilityEmployment-related allegations involving hiring, termination, harassment, discrimination, or retaliation.04Liquor LiabilityAlcohol service for restaurants, outings, tournaments, member events, banquets, and private functions.05Cyber LiabilityTee time systems, payment platforms, member data, employee records, ransomware, and privacy events.06Umbrella & ExcessAdditional liability limits above scheduled underlying policies, subject to underwriting review.07Directors & OfficersBoard decisions, governance disputes, member issues, and management liability concerns.08Property InsuranceClubhouses, buildings, contents, maintenance property, course property, signs, and scheduled assets.

DOCUMENT CHECKLIST

Country Club Management Documents to Gather

Use this checklist before submitting the intake for a country club management company account.

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Management agreement or service contract Current policies and declaration pages Loss runs for all applicable coverage lines Payroll split by department or operation Membership, event, banquet, and hospitality details Liquor sales and alcohol service procedures Vendor, caterer, valet, and outside service agreements Property, cart, equipment, and vehicle schedules

Bright Line Question

Who is legally responsible for the employees, premises, property, alcohol service, member events, vendor contracts, and operational decisions? That question often drives the insurance review for country club management company accounts.

Related Club Pages

Country Club Management Company Insurance Intake

Use the golf course and golf club intake page to submit contracts, current insurance, loss runs, payroll, event details, liquor operations, and supporting documents for review.

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Helpful Golf Insurance Resources

Golf Course Insurance Cost Guide Golf Club Risk Management Guide Golf Course Insurance FAQs Insurance Intake Forms

Work With Kelly Insurance Group

Questions before completing the intake? Contact Kelly Insurance Group, schedule a time, or learn more about the agency team and carrier relationships.

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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.