Golf Insurance

small business protected by golf insurance

Stay Out of the Rough With Golf Insurance

You’ve got turf maintenance, staff management and guest experience down to a tee, but one setback can throw your whole game off. That’s why golf course insurance is important to have, so you can focus on running your course.
 
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small business protected by golf insurance

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.
male player covered by golf course insurance

Who May Need Golf Insurance?

The Hartford understands the unique risks golf course managers face. That’s why we designed our business insurance solutions to 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.
 
At The Hartford, we know that no two golf courses have the same needs or face the same risks. That’s why we’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection, including:
 
Golf Course Insurance Coverage That Helps Protect Your Turf
Whether you're managing members or preparing for the next tournament, insurance can help keep your course in play. Get a quote today.
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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:**
 
  • 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.
female player protected by golf course insurance coverage

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Covering Your Operations

Running a golf course means more than just maintaining greens. From accidents on the course to incidents in the clubhouse, different risks can disrupt your business. With the right coverage, you can handle challenges and keep your course running without missing a round. 
On average, fire departments responded to a fire in the U.S. every 23 seconds in 2023.1
general liability for golf courses

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 for golf courses

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.

Taking Care of Your Team

Your staff is key to keeping your course pristine and your guests happy. But even the best teams face challenges, like injuries or workplace disputes. Insurance can help protect them on the job, so they can focus on the players.
$665 million was awarded in workplace discrimination lawsuits in 2023.2
workers compensation for golf courses

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 for golf courses

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.

Protecting Your Property

From golf carts to sprinklers, your operation depends on specialized equipment. If someone vandalizes your carts or a storm knocks over your signage, golf insurance options can help pay for repairs or replacements, so you can quickly get back to business.
It’s estimated that 90% of commercial buildings are underinsured.3
commercial property insurance for golf courses

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 for golf courses

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.

Golf Insurance You Can Count On

With more than 200 years of insurance experience, The Hartford understands the risks golf courses and country clubs like yours face. That’s why we designed our golf insurance solutions to help you get the coverage your business needs to thrive.
 
Find out more about other fitness and sports professions we insure:
 

Frequently Asked Questions About Insurance for Golf Courses

Without golf insurance, you’re on the hook for costly lawsuits, injuries, equipment damage or lost revenue from claims. And since just one storm or serious injury claim could end up costing more than a year’s earnings, not having insurance puts your club at financial risk. Insurance helps cover major losses and legal expenses, so you’re better prepared to respond when something goes wrong.
As a business specializing in golf, insurance helps protect you from everyday risks. For example, business income coverage can help you recover lost revenue if your course has to shut down temporarily due to covered events, like a flood or clubhouse fire. Meanwhile, commercial auto coverage helps protects your vehicles in case of accidents or damage. With event insurance, even your investments in tournaments, weddings and other hosted events are covered.
Getting golf insurance from The Hartford is fast and easy. In just a few minutes, you can get a quote online for insurance that meets the needs of your golf course business.
female players enjoy a round of golf while covered by country club insurance

Get a Quote for Golf Insurance Options

Protect your business from the hazards that can take your course out of play.
 
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Related Articles

 
 
Last Updated: February 25, 2026
 
1 National Fire Protection Association, “Fire Loss in the United States,” viewed May 2025.
 
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.
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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