Country clubs employ a diverse range of workers—from administrative staff to golf course maintenance crews and food service personnel. Each role comes with its own set of risks, which makes having a specialized workers compensation solution essential. As a broker, your country club clients depend on you to secure coverage that protects their workforce and helps them manage potential liabilities from workplace injuries.
Novatae Risk Group, through its Empire Underwriters division, offers a tailored Country Club Workers Compensation Insurance program designed to meet the unique needs of small to large country club operations. With deep industry knowledge and underwriting experience, we help you find the right solution to protect your clients—no matter how complex their employee structure may be.
Ideal Accounts and Appetite
This program is ideal for private and semi-private country clubs with a mix of job classes, including:
- Golf course maintenance and landscaping crews
- Food and beverage staff
- Administrative and clerical workers
- Pro shop and clubhouse employees
Whether your client operates a small boutique club or a large multi-course resort, we have the capabilities to structure coverage that fits their specific workforce and exposures.
Program Highlights
- Available in over 20 states
- Fast quote turnaround with completed submissions
- 10% commission for appointed brokers
- Customized solutions from experienced underwriters
Underwriting Requirements & Minimum Premium
- Minimum premium of $7,500
- Submission must include:
- Acord 130 form
- 3 years of loss runs
- Supplemental questionnaire
- Details on any large losses
Our underwriting team evaluates each submission individually to deliver competitive and appropriate coverage options.
Territories and Market Access
We offer this program in over 25 states, including CA, FL, TX, NY, NJ, IL, GA, NC, and more. Contact us for current availability in your client’s state. We access all available markets and work with a variety of carriers to find the best fit.
Why Work With Novatae Risk Group?
As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group offers brokers access to niche programs and specialized underwriting expertise. Our team understands the unique needs of country clubs and delivers responsive service and fast turnaround times.
You might have a client who recently expanded their country club to include a new restaurant and spa. With our program, you can offer comprehensive workers compensation coverage that accounts for the increased exposure across hospitality, food service, and maintenance roles—all in one policy solution.
Please contact us at 800-758-8113 to speak to our experienced brokers about your Country Club Workers Compensation accounts.
Do you need a Workers Compensation Quote for your Country Club client?
Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is designed for private and semi-private country clubs with a range of employee types, including landscaping, food service, and administrative staff.
What underwriting documents are required for submission?
Submissions must include a completed Acord 130, 3 years of loss runs, a supplemental questionnaire, and details on any large losses.
Is there a minimum premium for this program?
Yes, the minimum premium for this Country Club Workers Compensation Insurance program is $7,500.
In which states is this program available?
The program is available in over 25 states, including major markets like CA, FL, TX, NY, NJ, and GA. Contact us to confirm availability in a specific state.
How quickly can I receive a quote?
We offer fast turnaround for quotes when a complete submission is provided.
Need help placing an account? Connect with a market specialist.