Colonial General Insurance Agency, Inc. offers a specialized Miniature Golf Course Insurance program designed to help agents place both public and private golf-related businesses. Whether your client operates a standalone miniature golf course, an indoor or outdoor driving range, or a country club with a mini-golf amenity, this program provides flexible coverage options tailored to the unique risks of recreational golf facilities. Coverage is available on a monoline or package basis and delivers robust protection for property and liability exposures.
Ideal Accounts and Appetite
This program is best suited for:
- Standalone miniature golf courses
- Family entertainment centers with mini-golf components
- Indoor or outdoor driving ranges
- Public and private golf courses or country clubs with mini-golf
Colonial General favors accounts with well-maintained premises, standard safety protocols, and minimal claims history. Examples of good fits: a seasonal mini-golf park in a resort or tourist area, or a year-round indoor course attached to a family entertainment center. Higher-hazard operations, locations with frequent losses, or venues with significant water hazards or extreme attractions may require additional underwriting review or be better placed elsewhere.
Coverage Highlights and Advantages
Commercial General Liability Coverage Includes:
- Primary limits up to $3,000,000 occurrence and aggregate
- Additional insureds—automatically included
- Hired and non-owned auto liability
- $5,000 medical payments coverage
- Liquor liability—available for eligible operations
- Excess/Umbrella limits up to $25,000,000
- No deductible required on liability
Property Coverage Options:
- Building and contents coverage
- Business income and extra expense
- Computer equipment and electronics
- Contractor's equipment and inland marine for golf carts
- Coverage for damage to greens, tee boxes, and course features
- Food spoilage and equipment breakdown
- Sprinklers, valuable papers, and bailee’s coverage for pro shops
- Available on replacement cost or actual cash value basis
Crime Coverage Features:
- Inside the premises – theft of money and securities
- Inside the premises – robbery or safe burglary of other property
- Outside the premises – theft and robbery protection
Underwriting Notes and Minimum Premiums
Colonial General reviews each submission individually, considering operations, location, safety protocols, and loss history. While no specific minimum premium is listed here, accounts should be commercially viable and meet standard underwriting criteria. Liability coverage typically carries no deductible, and optional excess limits are available for accounts that need higher limits.
Territories and Availability
This Miniature Golf Course Insurance program is available to agents placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Both admitted and non-admitted market options may be available depending on the state and the risk profile.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines niche recreational property expertise with access to multiple markets. Agents benefit from a responsive underwriting team, flexible coverages, and the ability to place both admitted and non-admitted business where appropriate. This program is positioned to help you secure competitive limits and tailored terms for golf-related venues that meet underwriting standards.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Miniature golf courses, family fun centers with golf attractions, and indoor/outdoor driving ranges are ideal. Public or private golf-related venues with clean loss history and good maintenance practices are preferred.
Is liquor liability available under this program?
Yes. Liquor liability can be included when applicable, subject to underwriting review of the operations and controls in place.
Are both property and liability coverages available?
Yes. Coverage can be written on a monoline basis or packaged to include both property and liability, depending on the client’s needs.
Which states is this program available in?
This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Do all risks qualify for admitted markets?
Not all risks will qualify for admitted placement. Colonial General offers both admitted and non-admitted options based on the risk characteristics and location.
Need help placing an account? Connect with a market specialist.