Country Clubs and Golf Courses

Tailored insurance and risk management solutions for golf courses and country clubs

Golf courses and country clubs face a unique mix of operational, environmental and workforce-related risks. At the same time, inflation, aging infrastructure and labour shortages are placing increasing pressure on leadership teams. Many facilities are underinsured, leaving them exposed to significant financial loss from property damage, utility disruptions or foodborne illnesses. Recruiting and retaining seasonal and part-time employees has also become more difficult, impacting service levels and increasing liability risks.

At HUB, our industry specialists work with club executives and boards to deliver comprehensive risk management for golf courses that protects your property, supports your workforce and upholds your club's reputation.

Addressing your club's unique challenges

• Underinsurance due to rising costs - Inflation in labour and materials has left many clubs underinsured. We provide access to certified property appraisers to ensure your valuations reflect current replacement costs, mitigating potential financial shortfalls.

• Business interruption from outdoor property damage - Weather events and operational disruptions can impair a club’s ability to generate revenue; impacting the golf course, clubhouse or other essential facilities. By accurately evaluating business income, club executives can identify potential risks and ensure the right business interruption coverage is in place. This proactive approach supports better decision-making and stronger financial protection.

• Comprehensive environmental liability coverage - Beyond basic pesticide policies, environmental coverage protects against risks like chemical spills and runoff, safeguarding your club's grounds and reputation.

• Food safety and contamination risks - A single incident can impact your club's reputation and finances. Our restaurant recovery programs help manage exposures related to foodborne illnesses.

• Protection against sensitive claims - We provide guidance on abuse and molestation coverage and risk management, supporting prevention efforts through employee training and thorough screening processes.

• Workforce recruitment and retention - High turnover and seasonal staffing challenges can affect service quality. Our employee benefits specialists assist in designing programs that enhance recruitment and retention.

HUB's specialized solutions for golf facilities

Whether you manage a private club, semi-private course or public golf facility, HUB's Hospitality Practice offers specialized support tailored to your needs:

Contact a HUB hospitality insurance specialist to build a customized golf course insurance and risk management strategy tailored to your operations.