Colonial General Insurance Agency, Inc. offers a comprehensive Golf Course Insurance program designed specifically for public and private golf courses, including country clubs, miniature golf courses, and both indoor and outdoor driving ranges. With the flexibility to write coverage on a monoline or package basis, this program provides broad protection tailored to the unique risks of the golf industry.
Ideal Accounts and Appetite
This program is ideal for agents seeking coverage for a wide range of golf-related businesses, such as:
- 18- and 9-hole public or private golf courses
- Country clubs with or without dining facilities
- Miniature golf courses
- Driving ranges (indoor and outdoor)
Whether your client operates a high-end country club in California or a family-friendly mini-golf course in Utah, Colonial General can help you place the right coverage.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 per occurrence and aggregate
- Additional interests—Included
- Hired and non-owned auto included
- $5,000 medical payments coverage—Included
- Liquor liability available
- Excess or umbrella limits up to $25,000,000
- No deductible required
Crime Coverage:
- Theft of money and securities inside the premises
- Robbery or safe burglary of other property inside the premises
- Coverage for events occurring outside the premises
Property Coverage:
- Buildings and contents
- Business income and extra expense
- Accounts receivable and valuable papers
- Computer equipment and contractor’s equipment
- Inland marine coverage for golf carts
- Bailee’s coverage for the pro shop
- Equipment breakdown and food spoilage
- Damage to greens and tee boxes
- Sprinkler systems
- Replacement cost or ACV options
Underwriting Notes and Market Access
Colonial General works with a variety of carriers to offer flexible solutions, including admitted and non-admitted options depending on the state and risk profile. As a Managing General Agency and Excess & Surplus Lines Broker, they can help place both standard and hard-to-place risks.
Typical submissions will require standard underwriting information, including property values, number of holes, liquor sales (if applicable), and loss history. There is no specified minimum premium, offering flexibility based on account size and complexity.
Territories and Availability
This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Why Work With Colonial General?
Colonial General brings deep knowledge of niche commercial risks across the western United States. Their team understands the operational challenges and liability exposures unique to golf facilities and can help agents craft tailored solutions for a wide range of accounts. With access to multiple markets and a service-oriented approach, Colonial General makes it easier for agents and brokers to place and retain golf industry accounts with confidence.
You might have a client who just purchased a mid-size public course in Nevada and needs a package policy including liquor liability for their new clubhouse bar. Or perhaps a long-standing miniature golf course in Colorado is looking to expand and needs better property and inland marine protection—Colonial General is equipped to help you place these risks efficiently.
Frequently Asked Questions
What types of accounts are a good fit for this Golf Course Insurance program?
Ideal accounts include public or private golf courses, country clubs, driving ranges, and miniature golf facilities. Risks with food and beverage operations or pro shops can also be accommodated.
Is liquor liability available through this program?
Yes, liquor liability coverage is available as part of the general liability offering, making it ideal for country clubs or golf facilities that serve alcohol.
Can I submit monoline coverage or must it be part of a package?
Coverage is available on either a monoline or package basis, offering flexibility based on your client’s needs.
What states is this program available in?
The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Do you have markets for non-standard or hard-to-place golf risks?
Yes, Colonial General has access to both admitted and non-admitted markets, allowing them to place standard as well as challenging accounts.
Need help placing an account? Connect with a market specialist.