Golf Courses and Country Club Insurance

Travelers offers a broad range of coverages for golf shops, range operations, par 3s and executive courses. Our Eagle 3SM program offers specific coverages for semiprivate and private golf facilities, endorsed by the PGA TOUR®. 

Our range of specialized coverages

  • Coverage for golf shops and range operators includes: 

    • Target greens, teeing grounds and sand bunkers. 

    • Damage to property of others caused by golf balls. 

    • Specialty landscaping sprinklers and underground wiring. 

    • Props, sets and wardrobe. 

    • Third-party property damage. 

    • Extra expense protection. 

    • Civil authority and commotion. 

    • Money and securities protection. 

  • Coverage for semiprivate and private golf facilities (Eagle 3 coverage) includes: 

    • Greens, tees, fairways and roughs. 

    • Trees, shrubs and plants. 

    • Golf specialty property. 

    • Limited aboveground pollution with pesticide/herbicide applicator endorsement available. 

  • Additional coverages for both include: 

Who is golf insurance right for?

  • Golf shops 

  • Golf range operations 

  • Par 3s 

  • Executive courses 

  • Public golf courses 

  • Semiprivate and private golf facilities  

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Top 6 risks for golf courses and country clubs

Preparation and keeping an eye on emerging risks in an ever-changing environment are key to success on and off the golf course. For example: 

  • Impaired and inexperienced or underage drivers and passengers can increase the risk of golf carts tipping over or crashing into pedestrians.

  • On-site restaurants and banquet facilities have unique liquor liability and food safety concerns. 

  • Severe weather can cause injury to players or considerable damage to a golf course, forcing it to shut down during repairs.

Golf courses and golf facilities property and safety trends 

In 2022, 25% of accidents we saw at golf courses were related to slips, trips and falls. When limited to only bodily injury claims, slips/trips/falls accounted for 44% of general liability claims.1 With amenities and activities extending beyond the greens, golf courses face a wide variety of risks. 

To stay ahead of evolving risks, Travelers engages the PGA TOUR to explore emerging risks and trends impacting golf courses and golf facilities. 

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1GL Claims closed in 2022 for golf course programs