Insurance for Country Clubs, Private Clubs, Member-Owned Clubs & Clubhouse Operations
Country clubs can combine golf course operations, clubhouse property, restaurant and bar service, member events, board decisions, employees, groundskeeping, maintenance buildings, carts, cyber systems, and special functions. Kelly Insurance Group helps country clubs review the insurance coverage areas that may apply to the club’s property, liability, employees, management, membership structure, and daily operations.
Country Club Insurance Needs a Club-Specific Review
A country club is not always reviewed the same way as a standard golf course. A private club, equity club, nonprofit club, member-owned club, resort-style club, or club with outside events may have different underwriting questions. The insurance review often depends on who owns the property, who manages the club, who can use the facilities, whether alcohol is served, whether outside events are hosted, and how employees, board members, committees, vendors, and members interact with the operation.
What Part of the Club Are You Trying to Review?
Select the area below that best matches your concern. Each section links to more specific country club or golf club insurance pages.
Clubhouse & Property
Country club property review may include the clubhouse, pro shop, locker rooms, banquet space, kitchens, maintenance buildings, course property, irrigation systems, signs, contents, equipment, and business personal property.
Coverage Areas Often Reviewed for Country Clubs
Coverage needs depend on the club’s ownership, operations, property, employees, alcohol service, management structure, and risk characteristics.
General Liability
Premises liability, member and guest injuries, clubhouse operations, spectator areas, and daily club activity.
02Property Insurance
Clubhouse buildings, pro shop contents, maintenance buildings, signs, course property, and scheduled property.
03Liquor Liability
Alcohol service during dining, tournaments, weddings, member events, banquets, and private functions.
04Workers Compensation
Grounds crews, restaurant employees, clubhouse staff, pro shop workers, maintenance teams, and management payroll.
05Directors & Officers
Board decisions, committee actions, governance disputes, membership issues, and management liability concerns.
06Employment Practices Liability
Employment-related allegations involving hiring, termination, workplace conduct, discrimination, harassment, or retaliation.
07Cyber Liability
Member records, payment systems, employee data, online reservations, email compromise, ransomware, and privacy events.
08Umbrella & Excess
Additional liability limits above scheduled underlying coverage, subject to carrier guidelines and underwriting eligibility.
Country Club Insurance Can Change Based on Club Structure
A private golf club, nonprofit country club, member-owned club, resort club, and management company may not present the same underwriting profile. The application process helps clarify ownership, control, services, revenue sources, payroll, property values, events, alcohol service, and other exposures.
Go to Golf Club Intake InstructionsInformation That Helps the Review
- Current insurance declarations pages
- Five years of currently valued loss runs, if available
- Property schedule or statement of values
- Payroll by employee class or department
- Liquor sales, food service, banquet, and event details
- Vehicle, cart, mobile equipment, and inland marine schedules
- Board, ownership, nonprofit, or membership structure information
Complete the questionnaire, submit supporting documents, provide loss information, and upload the materials needed for review.
Start IntakeRelated Golf Course & Country Club Resources
These pages may help if your club needs a more specific insurance review.
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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.