Indoor Golf & Simulator Insurance Coverage Checklist
The coverages an indoor golf & simulator 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 simulator lounges, indoor golf studios, and golf entertainment venues. Priorities reflect typical exposure for this class; confirm against your actual venue and services.
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 |
|---|---|---|---|
| General Liability (incl. | Participant Injury) Covers players and guests struck by clubs or balls — confirm participants are covered. | Core | |
| Liquor Liability | Needed if alcohol is served or allowed in bays. | Core | |
| Business Property / Simulator Equipment | Covers launch monitors, projectors, screens, and computers. | Core | |
| Workers' Compensation / Employer's Liability | Covers staff and employed instructors. | Core | |
| Equipment Breakdown | Covers simulator electronics and HVAC failures. | Prevalent | |
| Business Income | Replaces income if bays are down after a covered loss. | Prevalent | |
| Crime / Theft | Covers theft of equipment, especially at unstaffed venues. | Prevalent | |
| Abuse & Molestation | Needed if you host youth parties, camps, or junior lessons. | Situational | |
| Cyber / Privacy Liability | Covers booking, payment, and member data. | Situational | |
| Umbrella / Excess Liability | Adds limits for serious head and eye injuries. | Prevalent |
The coverage gap most often missed
The gap most often missed by indoor golf venues is how serious a club strike can be. Clubs that slip or swing into seating areas cause head and eye injuries — a jury ordered a golf entertainment venue to pay $15 million in 2025 after a child was hit. Low liability limits, alcohol exclusions, or a participant exclusion can leave the venue exposed. Confirm participants and liquor are covered, add an umbrella, and put physical barriers between hitting areas and seating.
Send us the checklist and we'll review your indoor golf & simulator coverage line by line, then market it across multiple carriers that compete for your account.
Related: Indoor Golf & Simulator Insurance · Indoor Golf & Simulator Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an indoor golf & simulator business need?
The core coverages for an indoor golf & simulator business are General Liability (incl., Liquor Liability, Business Property / Simulator Equipment, Workers' Compensation / Employer's Liability. 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 indoor golf & simulator 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.