MEMBER-OWNED GOLF CLUB INSURANCE

Insurance for Member-Owned Golf Clubs, Equity Clubs, Boards, Committees & Club Operations

Member-owned golf clubs can involve property, golf operations, clubhouse services, employees, member access, board decisions, committees, bylaws, capital projects, alcohol service, events, carts, groundskeeping, cyber systems, and governance concerns. Kelly Insurance Group helps member-owned golf clubs review the coverage areas that may apply to the club, board, property, employees, members, guests, and operations.

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Member-owned club review: This page is for member-owned golf clubs, equity clubs, private golf clubs with member governance, and clubs where board or committee decisions may affect the insurance review.

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Member-Owned Golf Clubs Often Need Governance and Operations Reviewed Together

A member-owned club may have insurance concerns that connect the property, the board, employees, members, committees, bylaws, events, operations, and club finances. The review may need to distinguish between property and liability coverage, management liability, employment practices liability, liquor liability, workers compensation, cyber exposure, and special club operations.

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 Member-Owned Club Issue to Review

Select the club issue that best matches your concern to see related coverage areas and pages.

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Board & Committees

Board and committee decisions may create directors and officers, management liability, governance, member dispute, and bylaws-related insurance questions.

Golf Club D&O Nonprofit Golf Club Risk Management Guide

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.

Member-Owned Club Information to Gather

Board, committee, and club governance structure
Current policies and five years of currently valued loss runs
Property schedule, statement of values, and capital project details
Payroll by department and employee duties
Liquor, food service, banquet, and event details
Membership structure, guest access, bylaws, and club operations summary

Ready to Start? Member-Owned Golf Club 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.