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 miniature golf course, an indoor/outdoor driving range, or a country club, this program provides flexible coverage options tailored to the unique risks of recreational golf facilities. Coverage is available on a monoline or package basis, offering 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
Accounts with well-maintained premises, standard safety protocols, and minimal claims history are a strong fit. You may have a client who owns a seasonal mini-golf park in a tourist area or a year-round indoor course attached to a game center—both are ideal candidates for this program.
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 applicable risks
- Excess/Umbrella limits up to $25,000,000
- No deductible required
Property Coverage Options:
- Building and contents
- Business income and extra expense
- Computer equipment and electronics
- Contractor's equipment and inland marine coverage for golf carts
- Damage to greens and tee boxes
- Food spoilage and equipment breakdown
- Sprinklers, valuable papers, and bailee’s coverage for pro shops
- Available on replacement cost or ACV 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 evaluates submissions on an individual basis, considering operations, location, and safety protocols. While a specific minimum premium is not provided, accounts should be commercially viable and meet standard underwriting criteria. No deductible is required on liability coverage, and optional excess limits are available for higher-risk exposures.
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. Admitted and non-admitted markets are accessible depending on the state and risk profile.
Why Work With Colonial General Insurance Agency, Inc.?
As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in recreational property risks and access to a variety of markets. Their responsive underwriting team and broad appetite allow agents to confidently place niche golf facility accounts. With flexible coverage options and competitive limits, this program provides the protection your clients need and the service your agency can count on.
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, depending on the operations and underwriting review.
Are both property and liability coverages available?
Yes, coverage is available on a monoline or package basis, allowing flexibility based on your 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 markets. Colonial General offers both admitted and non-admitted options, depending on the risk and location.
Need help placing an account? Connect with a market specialist.