American sports wouldn’t be the same without their only activity, golf. To the delight and satisfaction of everyone, the news about golfing is often covered by the media.
Behind the scenes, the owners and creators of country clubs and lavish lawns are far more important than the famous and wealthy members of society that compete for the ball. There is a lot of risk for the architect, investor, owner, and all those who use golf carts. Financial disaster is a real possibility without the appropriate insurance.
All-American Golf Coverage
Golf Course Designer Insurance – This insurance covers the architect, his/her staff, and includes landscapers, gardening architects, and golf course engineers.
Golf Course Owner Insurance: The commercial side of the property liability is covered. The individual protective packages can include protection for liquor, officers and directors’ liability, protection for property and coverage of fairways, greens, and tees as well as protection from environmental injury and protection against pesticide or herbicide application.
Insurance for Golf Drivers Ranges: This insurance covers protection of what are known as “stand-alone” ranges.
For special losses, policies can be written on a cost-replacement basis. Policies protect businesses and personal property as well as equipment. You can include all signage, on-premises property and netting as well as fences, night-time lights, video equipment, and netting.
For policyholders with Golf Range, loss of income or crime insurance can be included. You can get more protection with umbrella insurance and excess limits coverage.
Insurance for Golf Carts and Low Speed Driving Vehicles: In the past, golf carts had one function: To assist golfers on the course. You can insure these carts through your standard homeowner’s plan, or by endorsement. Modernized carts are considered low-speed vehicles. These are designed to be driven on certain roads. It is difficult to insure multi-tasking golf cars. You will need separate insurance, much like for automobiles.
Do you need this kind of insurance? Get in touch with an independent, knowledgeable agent who does business directly with the top companies.