Country clubs face unique workers’ compensation challenges due to the diverse range of services they provide, including golf course operations, restaurants, clubhouses, and recreational amenities. U.S. Risk Insurance Group, Inc. offers a tailored monoline Workers' Compensation program designed specifically for private and semi-private golf clubs, tennis clubs, city clubs, and resort properties with golf amenities.
This program is backed by A-rated carriers with access to national markets and includes the innovative UPAY-As-You-Go payroll solution, helping insureds manage cash flow more effectively. Premiums are based on actual payroll, eliminating year-end audit surprises and improving budget predictability—especially valuable during economically challenging times.
Target Customers
- Private country clubs and golf courses
- Semi-private golf courses
- Resorts with golf courses
- Tennis clubs and city clubs
Program Highlights
- Monoline Workers’ Compensation coverage
- UPAY-As-You-Go payroll solution for improved cash flow
- Access to A-rated carriers and national markets
- Loss control tools including manuals, safety tips, and checklists
- Proven claims handling strategies that focus on cost control
Underwriting Guidelines
- Eligible for operations with multiple locations and multi-state exposures
- Country clubs exiting a Professional Employer Organization (PEO) are eligible
- Accounts with high experience mods considered
Submission Requirements
- Completed ACORD application
- Currently valued loss runs (3–5 years)
- Experience mod worksheet and large account supplemental (if annual premium exceeds $75,000)
State Availability
This program is available in all 50 states and the District of Columbia, providing agents and brokers broad geographic flexibility in placing new and renewal business.
Why Work With U.S. Risk Insurance Group?
As a national Managing General Agency, U.S. Risk Insurance Group brings deep expertise in niche markets and access to top-rated carriers. Their specialized underwriting approach and proprietary cash flow tools, such as UPAY-As-You-Go, allow agents to offer real value to their clients in a competitive marketplace. Whether your client is a single-location country club or a multi-state resort organization, U.S. Risk can help tailor a solution that fits.
You might have a client operating a high-end golf resort in multiple states or a tennis club emerging from a PEO arrangement—both could be ideal candidates for this program. Let U.S. Risk help you deliver a competitive and efficient workers’ compensation solution that supports your clients’ operational success.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include private and semi-private golf courses, tennis clubs, city clubs, and resorts with golf course operations.
Can I submit accounts with high experience mods?
Yes, U.S. Risk will consider accounts with high experience modifications as part of their underwriting process.
Is this program available for multi-location or multi-state operations?
Yes, the program is designed to accommodate multi-location and multi-state risks.
What documentation is required for submission?
You’ll need a completed ACORD application, 3–5 years of currently valued loss runs, and a mod worksheet with supplemental forms for larger accounts.
How does the UPAY-As-You-Go solution benefit my clients?
UPAY-As-You-Go allows your clients to pay premiums based on actual payroll, improving cash flow and eliminating year-end audit surprises.
Need help placing an account? Connect with a market specialist.