Do You Have The Right Golf Club Insurance?
Many golf clubs believe that a standard insurance policy will provide the protection they need, but this isn’t always the case. While a general commercial insurance policy may seem suitable at first glance, it often doesn’t cover the unique risks that golf clubs might face. We receive enquiries from golf clubs who believe their insurance policy is sufficient. However, in many of the cases, we discover that these clubs are either under insured or paying for cover they don’t need. This can leave golf clubs exposed to potential financial risks or lead to unnecessary premiums.
This issue arises from the fact that many golf clubs are bundled into a one-size-fits-all commercial sports insurance policy. These general policies are designed to cover a broad range of sports clubs or commercial licensed premises but they do not address the specific risks faced by a golf course/clubhouse as they have distinct requirements.
Tailored Golf Course Insurance
The key to ensuring you are fully protected in a tailor-made golf insurance policy. We don’t offer generic insurance solutions; David J Miller provides policies that can be custom-built for your club’s needs. This means you’ll only pay for what you need while benefiting from the full protection your course deserves.
A standard policy might leave gaps in cover or include unnecessary elements but with tailored golf course insurance, you have the flexibility to add cover where it matters most. For example, if your golf course has valuable artwork or trophies on display, these can be included in your policy. If you need protection for irrigation systems or golf buggies, we can arrange that too. You also have the option of adding on hole-in-one cover for competitions, liability protection for members and guests and even business interruption indemnity to protect against unforeseen closures.
You can opt to cover contents and computer equipment, course furniture and outdoor property, or even liability cover for members, guests and green fee players. These are all important areas that should be considered but a standard policy may not offer cover for your specific situation.
Plus, options like directors’ and officers’ liability, employee liability and contractors’ all-risks cover are also crucial to ensure your club is fully protected. We understand that golf clubs often host events like weddings or corporate functions, so we also offer cancellation and abandonment cover ensuring that your club is covered following cancellation of a planned event.
The Importance Of Expert Advice
A golf club/course is a complex environment with diverse needs and one-size-fits-all policies simply can’t provide the level of cover required. At David J Miller, we are committed to saving you money whilst offering full protection. Our no-obligation free insurance review service can help identify any gaps in your existing policy and ensure you’re not paying for unnecessary extras. Whether you need to increase cover in specific areas or tailor your policy to remove things you don’t need, we’ll work with you to create the perfect policy for your club.
To get started, simply get in touch with us today where our team of experts are on hand to help you find the right golf club insurance policy for your club’s needs.
