Golf Course & Country Club Insurance Coverage Checklist
The coverages a golf course & country club business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for golf courses and country clubs. Priorities reflect typical exposure; confirm against amenities and ownership.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers guest and participant injuries — confirm the activity isn't excluded. | Core | |
| Liquor Liability | Covers clubhouse and beverage-cart alcohol. | Core | |
| Golf Cart Liability / Auto | Covers cart accidents — confirm carts on public roads are covered. | Prevalent | |
| Umbrella / Excess Liability | Adds limits above primary coverage. | Prevalent | |
| Commercial Property & Business Income | Covers the facility and lost income after a loss. | Core | |
| Directors & Officers | Needed for member-owned clubs with a board. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is golf cart coverage off the course. Carts driven on public roads or in neighborhoods may fall outside general liability, and cart crashes often involve alcohol from the beverage cart or clubhouse. Clubs should confirm how carts are covered, train beverage-cart staff to refuse intoxicated players, and use lightning detection with a written clear-the-course policy.
Send us the checklist and we'll review your golf course & country club coverage line by line, then market it across multiple carriers that compete for your account.
Related: Golf Course & Country Club Insurance · Golf Course & Country Club Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a golf course & country club business need?
The core coverages for a golf course & country club business are Commercial General Liability, Liquor Liability, Commercial Property & Business Income. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my golf course & country club coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.