Commercial Insurance For Country Clubs Considered

Running a Golf Course and Country Club is no easy matter. Customer service is an understatement and the clientele are more than just customers, as many have resources and wealth far beyond the average citizen and they bring with them demands for excellence. It is for all of these reasons that insurance considerations for these country club golf courses are no simple situation.

When a manager or CEO of such a facility they must consider things that other commercial insurance clientele do not have to worry about. Things such as: is the insurance carrier able to handle extraordinary losses, and how financially strong is it? What is company's rating and how does the insurance carrier's claim services work?

Most large insurance companies that handle country clubs, sports facilities and large recreation companies have special underwriters and departments that handle this specific niche. There are about 12 commercial insurance carriers in the United States that have special departments only for this category.

A country club must protect its members, guests, assets and reputation. Often they use insurance as a financial vehicle to do just that. The golf club must insure the professional liability of its servers, golf and tennis pros, trainers and spa employees. They also should have medical insurance for sport's injuries. There ought to be insurance for the property of members and guests as well.

It's not easy to protect the reputation of such an establishment and many insurance carriers insure for crisis management, food poisoning, sexual harassment and predators. And although rare, just one such issue can trash a company's reputation. Golf Facilities should also insure the course itself, employees, wine collections and buildings.

Also of consideration would be "hole in one" coverage for major fundraising events or golf course policy. Large tournament cancellations due to weather or other disruptions are indeed a smart move to cover too, including promotional and marketing re-imbursement to start a new. Please consider all this when shopping for insurance for your country club.

Lance Winslow - Lance Winslow's Bio. If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/.