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Protection for Golf and Country Clubs

When you choose our Golf & Country Club Program, you can operate your facility with confidence, knowing your insurance program is up to par. Your independent agent representing The Cincinnati Insurance Company can customize an insurance program specific to the needs of your golf course or country club.

Choose Cincinnati’s Golf & Country Club Program

Your program begins with our standard property and general liability coverage forms. You also receive Cincinnati Data Defender, for a premium charge, providing an important coverage needed by any business. You can further customize your insurance by purchasing specialized coverages for your business.

  • Golf & Country Club Commercial Property Endorsement – packages higher amounts of insurance and additional property coverages into one option, including limited coverage for:
    • - errant golf ball damage
    • - key-employee replacement expenses
    • - personal effects of members or guests
    • - trees, plants and shrubs
  • Golf Course 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.
  • Golf & Country Club Commercial General Liability Endorsement – defines golf professionals, tennis professionals and concessionaires as insureds and includes medical payments for club members and professional liability for your golf or tennis pros.
  • Services Errors and Omissions Coverage Extension – covers your liability for claims that result from providing facilities, goods or services, including failure to deliver or misdelivery of items held for sale.

Other Specialized Coverage Options

  • Medical Payments – Golf Participants – extends medical payments coverage to include members, guests or customers while playing golf on your course.
  • Golf Cart Coverage Form – pays for a covered loss to golf carts that you own, lease, rent or borrow.
  • Liquor Liability Coverage Form – covers your legal liability related to the sale, service or furnishing of alcoholic beverages.
  • Golf Course Chemical Application Limited Liability Endorsement – protects your business against claims arising out of the application of pesticides, insecticides and herbicides on your premises.

Options to Suit Your Needs

Round out your insurance program by purchasing coverages needed by most businesses:

Cincinnati Advantage

When it comes to something as important as your business – your livelihood – you can work confidently, knowing you are protected by an exceptional insurance program that provides:

  • loss control services at no additional charge
  • access to vendors offering specialized loss control services and training at discounted rates
  • superior claims service from a representative who lives in or near your community
  • multi-year policy terms available in most states for many coverages
  • stability from a company with a high financial strength rating from A.M. Best Co.
  • more than 90% of our policyholders are highly satisfied with the overall claims process, based on almost 27,000 standard lines auto and property policyholders responding via electronic claim satisfaction survey between January 1, 2020, and December 31, 2022, with an 8, 9 or 10 on a 10-point scale     
  • a management team specifically dedicated to keeping your insurance program on the leading edge

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