Overview of the Program from Colonial General
This Driving Range Insurance program combines property, liability, crime and inland marine solutions on a monoline or packaged basis. It is designed for driving-range-focused operations that need tailored limits, ancillary coverages (golf carts, bailee’s coverage for pro shops, equipment breakdown), and excess/umbrella capacity. Admitted options are available in some markets; non-admitted E&S placement is supported where appropriate.
Ideal Accounts and Appetite
- Public and private driving ranges (indoor and outdoor)
- Country clubs and golf courses with range facilities
- Miniature golf courses and entertainment complexes with limited lodging
- Pro shops, food/beverage concessions, and accessory retail operations on-site
Accounts that fit best typically have routine range operations, managed crowd control, designated hitting bays, documented maintenance programs for tees and greens, and standard cart fleets. Complex operations with large-scale events, extensive on-site lodging, or high-hazard attractions may require specialized underwriting review.
Coverage Highlights and Advantages
The program includes robust liability and property features to address the common exposures of range operations:
- Commercial General Liability — Primary limits available up to $3,000,000 occurrence and aggregate; additional interests included; hired & non-owned auto included; $5,000 medical payments included; liquor liability available; excess/umbrella capacity up to $25,000,000; often no deductible required for liability.
- Property Coverages — Building, contents, equipment breakdown, replacement cost or ACV options, damage to greens and tee boxes, sprinklers, computer equipment, valuable papers, business income and extra expense, food spoilage, contractor’s equipment, and inland marine for golf carts.
- Crime Coverage — Inside premises (theft of money and securities; robbery/safe burglary of other property) and outside the premises.
- Pro Shop and Operations — Bailee’s coverage for pro shop, accounts receivable, and other retail-related exposures can be included.
Underwriting Notes
- Submission requirements typically include an ACORD application, current loss runs, schedule of operations (hours, seasonal usage), details on food/beverage and alcohol service if applicable, and photos of the range, bays, and cart storage.
- Underwriters evaluate range layout, netting/fencing, lighting, cart maintenance programs, employee training, and security measures for pro shop/crime exposures.
- Accounts with frequent large tournaments, amplified alcohol sales, significant spectator seating, or on-site lodging will require additional review and may be referred to specialty markets.
Territories and Availability
This program is available in the western U.S.: AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted coverage can be placed in some markets where carriers offer admitted paper; otherwise E&S placement is available through Colonial General’s carrier relationships (carriers vary by state and account characteristics).
Why Work with Colonial General on Driving Range Accounts
- Specialized appetite for golf-related risks and ancillary operations.
- Access to both admitted and E&S markets depending on state and account profile.
- Ability to package property, liability, crime, and inland marine to reduce gaps in coverage for ranges and pro shops.
- Experienced underwriting and flexible excess/umbrella capacity for clients who need higher limits.
Example scenarios: You might have a municipal driving range with rental bays, a small pro shop and minimal food service — this program can provide a cost-efficient package with liability and inland marine for carts. Or you may place a private country club that needs liquor liability and umbrella limits for large member events — excess capacity up to $25M is available.
Submission Tips
- Include loss runs for the last 3–5 years, description of range operations (hours, seasonality), and details on alcohol service if present.
- Provide photos of the facility layout, hitting bays, cart storage/maintenance area, and any risk-control features (netting, fencing, signage).
- If available, include routine maintenance schedules for turf, irrigation/sprinklers, and golf cart inspection records.
Frequently Asked Questions
What types of driving range accounts are a good fit for this program?
Public and private driving ranges, mini-golf facilities, and country clubs with typical range operations fit well. The program works best for locations without extensive lodging, minimal high-hazard attractions, and with documented maintenance and safety practices.
What liability limits and excess options are available?
Primary commercial general liability limits are available up to $3,000,000 occurrence and aggregate, and excess/umbrella limits can be placed up to $25,000,000 depending on the account and carrier availability.
Are admitted policies available?
Admitted options are available in some markets. Colonial General also places E&S coverage where admitted paper is not available or when the account requires more flexible terms.
What information should I include with a submission?
Provide a completed application, recent loss runs, description of operations (including alcohol service if any), photos of the range and carts, and any risk-control documentation such as maintenance schedules and employee training programs.
Can you place liquor liability and pro shop crime coverage?
Yes. Liquor liability can be included where needed, and crime coverage for inside/outside premises and safe burglary is available to protect pro shop cash and inventory.
Need help placing an account? Connect with a market specialist.