The Hartford doesn’t offer golf insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Golf Insurance?
Golf insurance is made up of different types of business insurance coverages designed to help protect you from the risks you face as you run your golf course or country club. The right type of insurance coverage can help safeguard your business against costly claims resulting from customer injuries or property damage.
Why Might You Need Golf Insurance?
Golf insurance is a collection of coverages that helps protect your business from risks you may not see coming. It can help cover your business if a guest sues you after tripping on loose brickwork or if vandals damage the ninth green the night before a big event.
Golf insurance can help protect you from many potential risks, like:
- Guest injuries: A golfer trips in the pro shop and fractures an ankle.
- Equipment breakdown: Your irrigation system fails during a heat wave.
- Business interruption: A flood delays operations during peak season.
Who May Need Golf Insurance?
Business insurance coverage can help protect a variety of businesses in the golf industry, including:
- Public and private golf courses
- Driving ranges and golf practice facilities
- Golf resorts and destination properties
- Golf cart rental services
- Golf course maintenance and groundskeeping businesses
- Pro shops and retail stores selling golf gear
- On-site dining, event venues and clubhouses
- Golf instruction and training academies
What Type of Insurance Do I Need for My Course or Club?
Many golf courses and country clubs have a Business Owner’s Policy (BOP) as the foundation of their insurance plan, for the peace of mind it can provide. It includes three types of coverage to help protect your business from claims of bodily injury or property damage:
General liability insurance to help protect your golf course from claims that it caused bodily injury or property damage to others.
Commercial property insurance to help protect your owned or rented buildings, as well as the tools, equipment, inventory and supplies you use to operate your golf course or club. These can include:
- Golf carts
- Event and wedding equipment rentals
- Mowers and turf equipment
- Fertilizers and landscaping supplies
- Pro shop merchandise
- Irrigation systems
- Aerators
Business income insurance to help replace lost income if you can’t operate your club or course temporarily because of property damage caused by fire, theft or wind.
There's no one-size-fits-all insurance policy because every course has unique needs. A BOP won't cover every kind of claim, so you may need to get other types of coverage to have more well-rounded protection, such as:
There's no one-size-fits-all insurance policy because every course has unique needs. A BOP won't cover every kind of claim, so you may need to get other types of coverage to have more well-rounded protection, such as:
How Much Does Golf Insurance Cost?
Golf insurance costs vary because every business is unique. Here are some of the average costs The Hartford’s small business customers in this industry pay for common types of coverage, which you can use to help estimate your insurance costs:**
- BOP: $1,325 a year, or about $110 a month
- General liability insurance: $424 a year, or about $35 a month
- Workers’ compensation insurance: $982 a year, or about $82 a month
It’s important to remember that the cost of your golf course or country club insurance may be different than the average. That’s because every business owner has specific needs, and insurers can use several factors to determine rates. The best way to find out how much you’ll pay for insurance is to get a quote from Tivly.
General Liability Insurance
“A guest slipped in the clubhouse during a function and sued us for her medical costs.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Business Income Insurance
“We were supposed to host a charity golf tournament, but a fire broke out in the clubhouse kitchen. It spread and caused damage to our banquet hall. We had to cancel the tournament and refund deposits.”
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage. You can use this coverage to help pay rent, payroll or utility bills.
Workers’ Compensation Insurance
“One of our groundskeepers slipped a disc in his back while using a hole cutter. He had to go to physical therapy and needed to take some time off from work.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“My golf professional used the company van to drive to a training event. He accidentally backed into another car when parking.”
Commercial auto insurance helps cover claims related to an accident when you or an employee use a company-owned vehicle for work.
Commercial Property Insurance
“A fire broke out in our maintenance shed and destroyed thousands of dollars’ worth of turf care equipment.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Cyber Insurance
“Someone hacked our point-of-sale system and stole our customers’ contact and payment information. We had to notify them about the breach.”
Cyber insurance can help your golf company respond to a data breach if personally identifiable information (PII) gets stolen or lost.
Get a Quote for Golf Insurance Options
Help protect your business from the hazards that can take your course out of play. Get a quote today from Tivly.
Last Updated: July 8, 2026
1 National Fire Protection Association, “Fire Loss in the United States,” viewed July 2026.
2 U.S. Equal Employment Opportunity Commission, “2023 Annual Performance Report,” viewed May 2025.
3 Insurance Information Institute, "Commercial Property Insurance Shows Signs of Improvement, Stable Growth,” viewed May 2025.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
Additional disclosures below.