Golf and country clubs, golf resorts, management and destination properties

golf ball on tee
Zurich’s private and semi-private golf and country club program is an all-lines program including blanket building/personal Property, General Liability, tee green coverage, Commercial Auto for fleets, Excess and Umbrella Liability to name a few. This program is designed for city and social clubs, daily fee courses, golf management companies, private clubs and semi-private clubs. Zurich’s golf resorts, golf management companies, and destination properties insurance offers all lines coverage, including blanket building/personal property, enhanced golf and club coverage extensions, General Liability, Commercial Auto and more.


  • Private clubs
  • Semi-private clubs
  • High end daily-fee courses
  • Golf management companies
  • Golf destination resorts
  • Home owner's associations with golf courses

Ineligible risks:

  • Nine hole golf courses


  • Nationwide except FL, HI and MD

Submission requirements:

  • Acord applications (including a complete SOV), and supplemental applications, provided upon request
  • Currently valued carrier loss runs for the past 5 years
  • Club financials

Coverages offered:

  • Blanket building/personal property
    • Business income with unlimited period of restoration
    • Replacement cost valuation on carts and equipment
  • General Liability (includes liquor liability, garage keepers legal liability, herbicide/pesticide liability)
  • $1 million and $2.5 million tee to green coverage for all playing surfaces with no per hole limitations
    • Tree replacement and debris removal
    • Broad form outdoor property extension
  • Commercial Auto for fleets (can include valet parking)
  • Excess and Umbrella Liability (limits to $25 million and higher)
  • Pollution Liability (including tanks coverage)
  • Directors and Officers Liability (can be included in the Umbrella limits)
  • Employment Practices Liability with separate aggregate (can be included in the Umbrella limits)
  • Workers' Compensation (broad form all states endorsement)
  • Accidental Death and Dismemberment
    • Worldwide coverage for members, on-site guests and management personnel

Admitted or non-admitted paper:

  • Admitted

Additional program highlights:

  • Loss prevention expertise from over 5,500 club safety and loss control visits at many of the best run clubs in the country
  • Over 20 years experience insuring golf and country clubs