Golf Course and Country Club Program
Continental Western Group has designed the Golf Course and Country Club Program with the input of golf and private club professionals. Our approach is to blend Property, Inland Marine, Crime, General Liability and Business Auto coverage into a single policy to fit your needs. The aim is to provide you with a comprehensive policy that makes it simple and convenient to cover your entire operation.
Types of businesses that fit this program:
• Public Golf Courses
• Semi-Private Golf Courses
• Private Golf Courses
• Country Clubs with Golf Courses
• “Destination” Golf Resorts (primary activity must be golf)
Municipal courses are eligible, but must be insured separately from other municipal property.
Q. We have a restaurant in our clubhouse. Can that be covered under the CWG program?
A. Yes! Our program not only covers the property and equipment associated with your food service operations, but also the premises and products liability that is necessary for restaurants. Our program offers this coverage within the same package policy that covers your golf course operations and property!
Q. We have a very expensive underground irrigation system installed. Do I need a separate policy for that?
A. Our automatic Golf Course coverage enhancement provides up to $250,000 in coverage for underground irrigation and sprinkler systems. Once again, CWG includes this protection as part of our single package policy!
Q. With my current insurance carrier my liability premium is based on the total sales of my operation, including the pro shop, cart rental fees, driving range, etc. Does that make sense?
A. No! We recognize that your operation is a golf course, not a retail store. We base your premium for liability coverage on the number of rounds of golf played, not the dollar amount of sales you do. Regardless of the green fees you charge, your liability premium under our program depends on how many golfers you have!
Q. We have golf and tennis professionals on staff at our club. Is there liability coverage for them under the CWG program?
A. Yes! Our program automatically includes broad liability coverage for your golf and tennis professionals. These staff members have “additional insured” status under our policy. In addition, optional professional liability coverage can be added for staff members employed in spas and fitness centers if your operation includes such services and facilities!
Q. I currently have special hole-in-one insurance through a specialty company. Does CWG handle that as well?
A. Yes! Our policy automatically provides $1,500 of hole-in-one expense coverage at no extra cost!
Q. My operation is really a full-service golf resort. In addition to lodging, we offer our guests other recreational opportunities such as tennis, fishing, etc. Can the CWG program cover us?
A. Yes! Our program is very flexible, allowing you to add coverage for those activities, as well as others associated with a true destination resort. Our coverage can include the property and equipment associated with resort activities as well as the liability arising out of the professional staff you have to organize and lead your activities.
Q. I’ve been in business for some time now, but haven’t been offered a Continental Western insurance program before. Are you new to the market?
A. Continental Western Group has been in the insurance business for over 100 years! CWG is a member company of the W.R. Berkley Corporation, which is one of the 20 largest insurance entities in the United States. We designed this new insurance program with the assistance of former PGA and club professionals, and insurance professionals who’ve been associated with golf course operations for many years. The financial backing of W.R. Berkley Corporation, and the expertise that has gone into the design of this insurance program, makes it the elite program on the market today.
Coverage Highlights
• Buildings can be specifically covered or blanketed by location
• Greens, tees and fairways coverage can be increased from the automatic $250,000
• Medical Payments limit starts at $15,000
• Bodily injury coverage includes mental anguish or mental injury
• Professional Liability is available for barbershops, beauty/nail salons, spas and fitness centers
• Coverage for golf carts and maintenance equipment
• Bailee’s coverage for customer property in your control
• Liquor Liability coverage for members selling and serving on your behalf
• Automobile Liability coverage available
• Director’s and Officer’s (D&O) liability is available
• Workers’ Compensation coverage is available
• Umbrella liability is also available
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