GOLF COURSE WORKERS COMPENSATION INSURANCE

Workers Compensation Insurance for Golf Courses, Grounds Crews, Maintenance & Clubhouse Employees

Golf course workers compensation insurance may need to account for grounds crews, mechanics, cart attendants, pro shop staff, food service employees, clubhouse staff, maintenance workers, managers, seasonal employees, and department-specific payroll. A clear employee and payroll breakdown helps the coverage review move faster.

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Employee classification review: Workers compensation review for golf courses often depends on employee duties, payroll, seasonal staffing, maintenance work, food service, pro shop operations, cart operations, and whether employees work across multiple departments.

Golf Course Insurance Golf Course Groundskeeping Golf Course Pesticide & Herbicide Golf Club EPLI Apply for Golf Course Insurance

Golf Course Payroll Usually Needs to Be Broken Out by Role

Golf courses often have a mix of maintenance, grounds, clubhouse, restaurant, pro shop, management, and seasonal employees. Underwriters may ask for payroll by department or job duty rather than one combined payroll number.

Grounds crewMechanicsCart attendantsPro shopRestaurant staffBartendersManagersSeasonal employees

COVERAGE REVIEW BOARD

Choose the Employee Group You Want to Review

Click a role group to see what details may matter for a golf course workers compensation review.

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Grounds Crew

Grounds crews may work around mowing equipment, slopes, irrigation, weather conditions, course vehicles, fertilizers, herbicides, pesticides, and outdoor maintenance activity. Payroll and job duties should be separated when possible.

Groundskeeping Insurance Pesticide & Herbicide Liability Pollution Liability

Related Coverage Areas to Review

Golf course and golf club insurance programs are often built from several coverage parts. Use these internal links to review the connected coverage areas.

01 Groundskeeping Insurance Grounds crew work, mowing, maintenance, course operations, and outdoor activity. 02 Pesticide & Herbicide Liability Chemical application, spraying, storage, and related course maintenance exposure. 03 Golf Club EPLI Employment allegations involving hiring, termination, workplace conduct, and management decisions. 04 General Liability Premises liability and guest-facing operations separate from employee injury coverage. 05 Golf Course Property Buildings, contents, course property, and scheduled property values. 06 Cyber Liability Employee data, payroll systems, payment platforms, and privacy events.

SUBMISSION CHECKLIST

Workers Compensation Submission Checklist

Use this list to prepare payroll and employee details for the intake.

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Payroll by employee class or department Employee count by full-time, part-time, and seasonal status Grounds crew duties and payroll Restaurant, bar, and banquet payroll Pro shop, starter, ranger, and cart attendant payroll Maintenance and mechanic payroll Five years of currently valued workers compensation loss runs Current workers compensation policy declarations page

When these items are ready, use the golf course and golf club intake instructions page. Go to Intake Instructions

Helpful Golf Insurance Resources

These pages can help narrow the review if your operation, coverage concern, or ownership structure needs a more specific path.

Golf Course Insurance Cost Guide Public Golf Course Insurance Municipal Golf Course Insurance Golf Management Company Insurance Golf Course Insurance Country Club Insurance Golf Course FAQs Risk Management Guide

Application Path Golf Course / Golf Club Insurance Intake

Complete the intake instructions, upload supporting documents, provide loss information, and submit the questionnaire for review.

Start Intake Instructions

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Questions before you submit the intake? Contact the team, book a time, or learn more about Kelly Insurance Group.

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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.