GOLF COURSE OWNERS INSURANCE

Insurance for Golf Course Owners, Ownership Groups, Real Estate Holdings & Course Operations

Golf course owners may need to review more than day-to-day course liability. Ownership can involve real estate, buildings, equipment, leases, management agreements, employees, public access, member access, carts, maintenance operations, lender requirements, property values, and contract responsibility. Kelly Insurance Group helps golf course owners identify the coverage areas that may apply to the property, ownership entity, operating entity, and course operations.

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Owner review: This page is for golf course owners, ownership groups, real estate holding companies, and businesses that own golf course property or control course operations.

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Golf Course Ownership Can Split Risk Across Property, Operations & Contracts

A golf course owner may own the land and buildings, operate the course directly, lease the course to another operator, hire a management company, or use multiple entities for property and operations. The insurance review may need to clarify who owns the property, who employs the staff, who controls daily operations, who is responsible for maintenance, and which contracts require proof of insurance.

Application Path Golf Course / Golf Club Intake Instructions

Complete the questionnaire, gather supporting documents, upload the application, and provide loss information through the intake page.

Go to Intake Instructions

COVERAGE REVIEW BOARD

Choose the Ownership Setup Closest to Your Course

Select the ownership structure below to see which insurance questions may be important for the application review.

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Owner-Operator

When the owner also operates the course, the review may include property, general liability, workers compensation, liquor liability, carts, maintenance, equipment, cyber systems, and daily public or member access.

Golf Course Insurance Workers Compensation General Liability

Coverage Areas Often Reviewed

The correct insurance structure depends on the property, operations, employees, contracts, services, access, amenities, and underwriting information provided.

01 General Liability Premises liability, guest injuries, spectator areas, course access, clubhouse activity, and day-to-day golf operations. 02 Property Insurance Clubhouse buildings, pro shop contents, maintenance buildings, signs, scheduled property, and business personal property. 03 Workers Compensation Grounds crews, clubhouse workers, food service staff, maintenance teams, pro shop employees, and management payroll. 04 Liquor Liability Alcohol service connected to clubhouse dining, banquets, outings, tournaments, private functions, and resort or club events. 05 Cyber Liability Payment systems, employee records, member or guest data, online reservations, email compromise, and privacy events. 06 Umbrella & Excess Additional liability limits above scheduled underlying policies, subject to carrier eligibility and underwriting review.

Information Golf Course Owners Should Have Ready

Ownership entity names and operating entity names
Lease, management, or concession agreements
Property schedule, building values, course property, and equipment values
Current insurance policies and loss runs
Employee payroll responsibility and staffing details
Cart, vehicle, equipment, and mobile equipment schedules

Ready to Start? Golf Course Owners Insurance

Use the golf course and golf club intake instruction page to begin the review and upload supporting documents.

Start Intake

More Golf Course Resources

Golf Course Cost Guide Country Club Cost Guide Risk Management Guide Golf Course FAQs Meet the Team Our History Insurance Carriers About Kelly Insurance Group

Questions Before Applying?

Contact Kelly Insurance Group, schedule a time, or learn more about the agency before completing the golf course intake.

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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.