Liability Risks on the Course: How Stuart Golf Clubs Can Cover Themselves

Golf clubs in Stuart, FL can face a range of exposures that typical business coverage may not fully address. R.V. Johnson Agency, Inc can help you find policies aligned with risks on and off the course.

Common Liability Risks for Golf Clubs

Liability can arise in several ways at a golf club. Common examples may include:

• A wayward ball injuring a spectator
• A guest slipping on a wet cart path or clubhouse floor
• A contractor getting injured during maintenance
• Property damage during events
• An employee filing a workers’ compensation claim after an injury

Strategies for Risk Management

A club can reduce its liability exposure by maintaining consistent policies and proper documentation. This generally includes signed waivers, posted rules, routine course inspections and documented employee training. These records may also work in your favor if a claim is filed.

Insurance Solutions for Florida Golf Clubs

Most golf club insurance programs may include a combination of the following:

• General liability may apply to third-party bodily injury and property damage claims.
• Commercial property may cover damage to your clubhouse, equipment and course structures.
• Workers’ compensation can cover employee injuries that occur on the job.
• Umbrella coverage can extend your primary liability limits, providing additional coverage when a claim exceeds the limits of your underlying policy.
• Event liability coverage may apply to tournaments or member events.
• Liquor liability coverage may be necessary if your club serves alcohol.

Our Team Can Help

At R.V. Johnson Agency, Inc, we work with multiple carriers to find coverage that fits your budget and needs. Contact us today to schedule a policy review and get a free custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.