Golf Course & Country Club Insurance Ohio

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Golf Course & Country Club Insurance Ohio Policy Information

OH Golf Course & Country Club Insurance

Golf Course & Country Club Insurance Ohio Golf courses and country clubs offer an excellent business opportunity for those who invest in them. They can prove to be quite lucrative, as golf is a very popular pastime and country clubs can be used for a variety of purposes, including different functions and events.

While owning a golf course and country club can certainly be rewarding, as with any businesses, there are certain risks associated with this type of venture. In order to protect your business, yourself, your staff, and your clientele, having the right insurance coverage is a necessity.

Country clubs offer many recreational opportunities to members and their guests. While golfing is often the primary draw, swimming, tennis, racquetball, handball, skiing, horse trails, and other sporting activities may also be available. Most country clubs have restaurants, snack bars, lounges, or bars. Some offer rental facilities, catering services, and retail shops. Repair services may be available. Lessons may be offered to beginners. Tournament events may be held on premises.

Golf courses vary in size and complexity, and may be municipally or privately owned and operated. They can be 18 hole, 9 hole, 3 par, miniature golf and/or a driving range. Longer courses will offer rental carts. Some have snack bars or retail shops or offer lessons or repair services. Depending on the climate, operations may be seasonal or conducted year-round. Some sponsor tournaments on premises.

What type of golf course & country club insurance Ohio policies do you need as the owner of a OH property? Below, we outline some of the most important coverage options that you should have.

Golf course & country club insurance Ohio protects public, daily fee, country clubs, and semi-private clubs from many liabilities - with rates as low as $227/mo. Get a fast quote and your certificate of insurance now.

Commercial General Liability Insurance For Golf Courses & Country Clubs

Though it is one of the most basic forms of insurance that a business can have, commercial general liability insurance is one of the most important types of insurance coverage that you should have as the owner of a OH golf course and/or country club.

This type of coverage provides protection for the daily risks and hazards that your establishment could be subjected to. Moreover, it financially safeguards your business in the event that a member of your country club or golf course sustains a physical injury on your property or as a result of one of the products that you offer, or should someone file a legal suit for any wrongdoing. In other words, general liability insurance is a base level coverage that provides protection against things that could arise that you may have never thought could or would happen. The following are covered under a golf course & country club insurance Ohio policy:

  • Premises Liability Coverage: This aspect of general liability coverage provides protection for anything that may occur on the premises of your golf course or country club. For example, should someone trip in a divot on your golf course or slip on a wet floor in the dining room of your country club, sustains an injury and files a legal suit, premises liability under commercial liability insurance will protect you. It covers the cost of any medical costs that are associated with the injury a person sustains, as well as any legal fees and compensation for damages.
  • Products Liability: Whenever you sell products to the general public, your business is at risk for legal action in the event that a product you sold is defective and causes an injury. For example, if you sold a golf club that wasn't assembled properly and broke in mid-swing, resulting in part of the club hitting a golfer in the eye, you could be held liable. Products liability coverage under your general liability insurance will cover the cost of any damages sustained as a result of a defective product, in addition to legal proceedings that may arise.
  • Completed Operations: After providing a service for a client, there is a chance that he or she could sue your business after the service was provided. For example, if you hosted an event at your country club and you injured someone or harmed them in any way after the event was completed, they may seek restitution. Completed operations will provide coverage for any injuries or damages, in addition to covering the cost of legal defense fees.

Workers Compensation

It takes a large staff to operate a golf course or country club. As such, you are going to need to have workers' compensation insurance. This coverage protects all of your staff from any accidents, injuries, or illnesses that they may sustain while they are on the job. For example, if an employee suffers an injury that results in a broken bone, workers' compensation insurance will cover the cost of medical care, as well as cover lost wages, compensation, and could even assist with training for a future job outside of your facility.

Commercial Auto

If you operate vehicles for business-related reasons, you should make sure that you secure business auto insurance coverage. Should an accident occur in a company vehicle, this type of insurance will cover the cost of the damage, any injuries, and any items that were damaged in the vehicle.

Golf Course Specific Coverages

Following are some golf course specific coverage available:

  • Tee-to-Green Coverage - Pays for a covered loss to teeing grounds, fairways and putting greens, as well as miscellaneous golf course property, including ball washers, sprinkler systems, benches and directional signs.
  • Medical Payments - Golf Participants - Extends medical payments coverage to include members, guests or customers while playing golf on your course.
  • Golf Cart Coverage - Pays for a covered loss to golf carts that you own, lease, rent or borrow.
  • Liquor Liability Coverage - Covers your legal liability related to the sale, service or furnishing of alcoholic beverages.
  • Golf Course Chemical Application - Protects your business against claims arising out of the application of pesticides, insecticides and herbicides on your premises.

Ohio Country Club's Risks & Exposures

Premises liability exposures are significant due to the number of visitors to the premises and the varied types of operations. Public and life safety code compliance is very important. Visitors can be injured by slips or falls, be hit by flying golf balls, or drown in swimming pools. Adequate lighting, marked exits, and egress are mandatory.

Stairways, elevators, railings, and floor coverings should be in good condition. Exits should be clearly marked and free of obstacles. Parking areas should be maintained free of snow and ice. Golf carts can overturn or collide with stationary objects. Many courses require customers to sign hold harmless agreements before using the facilities or renting a golf cart. If lessons are offered to children, it is important to conduct criminal background checks on instructors.

A driving range should be physically separated from the rest of the facility, with barriers to prevent the balls from flying into roadways and neighboring houses. If tournaments are conducted on premises, additional security may be needed to control crowds. Horseback riding and water sports have distinctive concerns and require careful review.

Swimming pools should be fenced, with a self-closing gate and depths clearly marked. Pool rules should be prominently displayed, with lifesaving equipment accessible at all times. Personal injury exposures include assault, discrimination, defamation of character, false arrest, invasion of privacy, or unlawful detention.

Liquor liability exposures are extensive if employees are not properly trained to recognize the effects of excessive alcohol consumption. Club policy should be clear regarding drinking, and the servers must adhere to the policy. IDs must be checked and no underage or intoxicated individuals should be served. Taxi delivery should be available for impaired individuals.

Products liability exposure is from the cooking and eating facilities. Employees should be trained in the proper handling of consumables to prevent foreign objects in food, food poisoning, or the spread of other transmissible diseases. The pro shop may sell golf equipment and provide repair services.

Environmental impairment exposure is due to the herbicides and pesticides used to maintain the grounds. All individuals who apply chemicals must be appropriately licensed and products must be used according to directions. Chemicals may leach into surrounding areas, affecting the air, land or groundwater. Batteries from golf carts must be disposed of properly.

Workers compensation exposure can be high. Cleaning and maintenance operations can result in lung, eye or skin irritations and reactions. Slip and falls, back injury, hernias, sprains and strains from lifting or working at awkward positions are common. The parking lot and sidewalk snow removal may be handled by employees or outside contractors. If employees are responsible, there are potentials for strain and fall injuries.

Food preparation operations can result in cuts, scrapes, and burns. Driving limousines presents exposure to over-the-road accidents. Interaction with members and their guests can be difficult.

Employees should be trained in dealing with rowdy guests. Pros and instructors, caddies, lifeguards, and others who may be involved in related positions will have the potential for slips, falls, strains, sprains, being hit by errant golf balls or equipment, drowning, or assaulted by robbers or unruly patrons.

Property exposure is moderate. Ignition sources include electrical wiring, heating and air conditioning systems, and cooking equipment. Country clubs are often located in rural areas at a distance from fire departments. Firefighting activities can be hampered, especially during inclement weather when roads may be impassable.

Fire detection and suppression systems should be in place to permit an early response to a fire. Wiring should be up to date and meet current codes. All cooking equipment must be properly controlled and maintained. Fire extinguishers should be available throughout the facility and properly tagged. Chemicals such as insecticide, pesticide, or herbicides used to maintain the grounds may be flammable and should be stored separately from other operations. Machinery and equipment can catch on fire if not properly maintained.

If there is a retail shop, theft can be an additional concern. Golf carts can be electrically powered or gasoline powered. If gasoline is used, the fueling operation needs to be separate from other facilities. If carts are electrically powered, they can release flammable hydrogen gas while being recharged.

The charging room must be well ventilated. The premises should be protected against unauthorized access after hours. Business income and extra expense can be substantial due to lack of backup facilities and the amount of revenue generated from indoor activities.

Crime exposure is from employee dishonesty and money and securities. Background checks should be conducted on all employees handling money. All orders, billing and reimbursement responsibilities should be separated and records should be reconciled on a regular basis. Regular deposits must be made, with no money kept on premises overnight. Annual external audits should be conducted.

Inland marine exposure is from accounts receivable if the club bills members for dues, computers, contractors' equipment for machinery used to maintain the premises, and valuable papers and records for charters, members', and suppliers' information. Bailees exposure results from the handling of members' goods, such as those left for service or repair, or while using locker rooms or coatrooms.

If safe deposit boxes are offered, security procedures should be reviewed. Copies of all data should be maintained off site for easy restoration after a loss. Golf cart coverage should be considered if the club offers storage and fueling to members' carts as well as its own.

Commercial auto exposure is generally limited to hired and non-owned for employees running errands. If there is any limo, transport, pickup, or delivery services, drivers must have appropriate driver's licenses and acceptable MVRs. Any owned vehicles must be maintained on a regular basis with all service documented. When Valet services are present, garagekeepers exposures for damages to guests' vehicles should be addressed.

OH Golf Course's Risks & Exposures

Premises liability exposures are significant due to the number of visitors to the premises. Public and life safety code compliance is very important. Visitors can be injured by slips, falls, and flying golf balls. Golf carts can overturn or collide with stationary objects. Many courses require customers to sign hold harmless agreements before using the facilities or renting a golf cart.

If lessons are offered to children, it is important to conduct background checks on instructors. A driving range should be physically separated from the rest of the facility, with barriers to prevent the balls from flying into roadways and neighboring houses. If tournaments are conducted on premises, additional security may be needed to control crowds. Personal injury exposures include assault, discrimination, defamation of character, false arrest, invasion of privacy, or unlawful detention.

Product liability exposures are from the cooking and eating operations. Employees should be trained in the correct handling of consumables to prevent foreign objects in food, food poisoning, or the spread of other transmissible diseases. The pro shop may sells golf equipment and usually provides repair services.

Environmental impairment exposure is due to the herbicides and pesticides used to maintain the grounds. All individuals who apply chemicals must be appropriately licensed and the product must be used according to directions. Chemicals may leach into surrounding areas, affecting the air, land or groundwater. Batteries from golf carts must be disposed of properly.

Workers compensation exposure can be high. Cleaning and maintenance operations can result in lung, eye or skin irritations and reactions. Slip and falls, back injury, hernias, sprains and strains from lifting or working at awkward positions are common. Food preparation operations can result in cuts, scrapes, and burns.

Driving limousines presents exposure to over-the-road accidents. Interaction with members and their guests can be difficult. Employees should be trained in dealing with rowdy guests. Pros and instructors, caddies, and others that may be involved in related positions will have the potential for slips, falls, strains, sprains, and being hit by errant golf balls or equipment.

Property exposure may be minimal if limited to a clubhouse facility and maintenance shed. If there is a restaurant, pro shop or repair facility, exposures will increase as ignition sources will include electrical wiring, heating and air conditioning systems, and cooking equipment. Golf courses are often located in rural areas at a distance from fire departments. Wiring should be up to date and meet current codes. All cooking equipment must be properly controlled and maintained.

Fire extinguishers should be available throughout the facility and properly tagged. Chemicals such as insecticide, pesticide, or herbicides used to maintain the grounds may be flammable and should be stored separately from other operations. Machinery and equipment can catch on fire if not properly maintained. If there is a pro shop, theft can be an additional concern. Golf carts can be electrically powered or gasoline powered.

If gasoline is used, the fueling operation needs to be separate from other facilities. If carts are electrically powered, they can release flammable hydrogen gas while being recharged. The charging room must be well ventilated. The premises should be protected against unauthorized access after hours. Business income and extra expense will be limited unless significant activities take place indoors.

Crime exposure is from employee dishonesty and money and securities. Background checks should be conducted on all employees handling money. All orders, billing, and reimbursement responsibilities should be separated and records should be reconciled on a regular basis. Regular deposits must be made, with no money kept on premises overnight. Annual external audits should be conducted.

Inland marine exposure is from accounts receivable if the golf course bills members for dues, computers, contractors' equipment for machinery used to maintain the premises, and valuable papers and records for members' and suppliers' information. Bailees exposure results from the handling of customers' goods, such as those left for service or repair, or while using locker rooms. Copies of all data should be maintained off site for easy restoration after a loss. Golf carts coverage should be considered.

Business auto exposure is generally limited to hired and nonownership for employees running errands. If there is any limo, transport, pickup, or delivery services, drivers must have appropriate licenses and acceptable MVRs. Any owned vehicles must be maintained on a regular basis with all service documented. Valet services present garagekeepers exposures for damages to guests' vehicles.

OH Golf Course & Country Club Insurance

When you choose the right business insurance, you can operate with confidence. Speak to a professional broker who can customize an insurance program specific to the needs of your golf course or country club.

Ohio Economic Data, Regulations & Commercial Insurance Minimum Requirements

Made In Ohio

If you're an entrepreneur, you know how important it is to research the location where you plan on setting up shop. No matter how how-quality and valuable the products and/or services your business offers may be, if you're situated in an area that isn't suitable for your operation (the wrong target demographic, a poor market, etc.), you just aren't going to achieve the success that you're hoping for.

If you're considering Ohio for your headquarters or for a new branch of your business, you definitely want to take the time to research the area before you set up shop. Below, we'll take a look at the economic trends of the Buckeye State, including employment rates and key industries that are thriving in the area. We'll also highlight some of the key forms of commercial insurance business owners need to carry when operating in Ohio.

Economic Trends for Business Owners In Ohio

The Buckeye State has seen a marked increase in job growth, which is indicated by the record low unemployment rate. According to the Ohio Department of Job and Family Services, as of April, 2019, the rate of unemployment was 4.3 percent; the lowest it's been in more than 18 years. In April the previous year, the rate was 4.6 percent, a difference of .03 percent in 1 year; however, and more notably, the rate has dropped .01 percent in just one month, as it was 4.4 percent in March, 2019. July, 2001 was the last time Ohio saw such a low level of unemployment, when the rate was 4.2 percent.

In January, 2010, the rate was an astounding 11.1 percent, so it's safe to say that there has been a definite decrease in the number of jobless people in the Buckeye State, which is a strong indication of the overall economy of the state.

The greater Cincinnati area is one of the best places for businesses in Ohio, where smaller cities are seeing the largest growth. Examples include Blue Ash, Beachwood, Independence, Sharonville, and Springdale. Industries that are thriving in Ohio include:

  • Advanced Energy and Environmental Technologies
  • Aerospace and Aviation
  • Automotive
  • Bioscience
  • Information Technology
  • Logistics and Distribution
  • Manufacturing
  • Oil and Gas
Business Insurance Regulations In OH

The Ohio Department of Insurance regulates insurance in Ohio. Certain policies are mandated in Ohio, meaning business owners must carry specific types of coverage. Business owners can protect themselves, the customers they serve, the vendors they work with, and their workers from various risks by investing in the right type of insurance coverage. Coverages that are required include:

Workers Compensation - Most Ohio businesses with employees are required to pay for workers comp. If your OH business has just one employee, you're probably required to carry workers' compensation insurance. In Ohio, workers' compensation insurance is provided through the state - rather than through private insurance companies.

Other forms of insurance that business owners may be required by contract or municipality. The amount of coverage business owners need to carry for each policy vary and depend on a variety of factors, including the size of the operation, the number of employees, and the nature of operations.

Additional Resources For Sports & Fitness Insurance

Learn about small business sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.


Sports And Fitness Insurance

Sorts and recreation includes a wide variety of operations, from individual theater owners to theater chains to corporations that operate properties with recreational facilities spread over many acres. It also includes publicly and privately owned athletic fields, stadiums, golf courses and other athletic facilities.

The risks in this classification are similar in that all involve the admission of large numbers of people combined with significant public access. These shared characteristics mean that all share the potential for catastrophic loss. For this reason, liability coverage with high limits of liability is critical.

Property, workers compensation, crime and inland marine coverages are also important but their necessity varies by type of risk.

This insurance can cover Amusement Parks, Archery Ranges, Athletic Fields, Ballparks, Ballrooms, Billiard Parlors, Bowling Alleys, Carnivals, Country Clubs, Drive-In Theaters, Golf Courses, Outfitters and Guides, Handball and Racquetball Courts, Ice Skating Rinks, Indoor Sports Complexes, Professional Sports, Racetracks-Horse or Dog, Racetracks-Motorized, Recreation Centers, Riding Stables, Roller Skating Rinks, Shooting Ranges, Skatepark, Skeet or Trap Shooting Ranges, Skiing Operations, Stadiums, Swimming Clubs, Tennis Centers, Theaters & Video Arcades.

Sports and fitness facilities have a way of bringing susceptible groups of individuals and situations together that can be potentially dangerous if not properly monitored. The joy and happiness of the moment can quickly change because of a calamity and those calamities can then lead to lawsuits.

Many of these risks have large money exposures every day they operate. Because of this, losses involving cash are the single biggest concern for most recreational facilities. This includes not only holdups and robberies but incidents involving counterfeit currency, computer fraud and forgery as well.

Employee theft is also a major concern in some operations because of attractive types of property or merchandise coupled with high rates of employee turnover.

Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income and Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Bailees, Computers, Contractors' Equipment, Golf Carts, Valuable Papers and Records, General Liability, Employee Benefits, Environmental Impairment, Umbrella, Hired and Non-owned Auto & Workers Compensation.

Other commercial insurance policies to consider: Earthquake, Equipment Breakdown, Flood, Mobile Equipment, Cyber Liability, Employment-related Practices, Liquor Liability, Business Automobile Liability and Physical Damage, Garagekeepers, Stop Gap Liability and Unmanned Aerial Vehicles (UAV) (Drones).


Request a free Golf Course & Country Club Insurance Ohio quote in Adel, Algona, Altoona, Ames, Anamosa, Ankeny, Asbury, Atlantic, Bettendorf, Akron, Alliance, Ashland, Ashtabula, Athens, Austintown, Avon, Avon Lake, Barberton, Beavercreek, Berea, Boardman, Bowling Green, Broadview Heights, Brook Park, Brunswick, Canton, Centerville city, Chillicothe, Cincinnati, Cleveland, Cleveland Heights, Columbus, Cuyahoga Falls, Dayton, Delaware, Dublin, East Cleveland, Eastlake, Elyria, Euclid, Fairborn, Fairfield, Findlay, Forest Park, Gahanna, Garfield Heights, Green, Grove City, Hamilton, Hilliard, Huber Heights, Hudson, Kent, Kettering, Lakewood, Lancaster, Lebanon, Lima, Lorain, Mansfield, Maple Heights, Marion, Marysville, Mason, Massillon, Mayfield Heights, Medina, Mentor, Miamisburg, Middletown, New Philadelphia, Newark, Niles, North Canton, North Olmsted, North Ridgeville, North Royalton, Norwood, Oregon, Oxford, Painesville, Parma, Parma Heights, Perrysburg, Pickerington, Piqua, Portsmouth, Reynoldsburg, Riverside, Rocky River, Sandusky, Shaker Heights, Sidney, Solon, South Euclid, Springboro, Springfield, Steubenville, Stow, Strongsville, Sylvania, Tallmadge, Tiffin, Toledo, Trotwood, Troy, Twinsburg, Upper Arlington, Wadsworth, Warren, Westerville, Westlake, White Oak, Whitehall, Willoughby, Wooster, Xenia, Youngstown, Zanesville and all other cities in OH - The Buckeye State.

Also learn about Ohio small business insurance requirements for general liability, business property, commercial auto & workers compensation including OH business insurance costs. Call us (614) 407-1774.

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