Lithium-Ion Batteries
Golf carts are no longer just lead-acid batteries. The shift to Lithium-Ion has created a massive fire risk in cart barns.
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We belong to America’s premier clubs. We travel the country chasing the perfect round. We understand tee sheets, member expectations, tournament days, cart paths, locker rooms, liquor service, maintenance yards, weather delays, and the reputational risk that comes with delivering a premium golf experience. We know the culture, the hospitality, and the liabilities because we live them.
The insurance market treats golf like generic hospitality. That is a misread. Golf clubs and golf resorts carry a unique mix of property exposure, member owned governance, high value assets, events, alcohol, carts, course design, trees, water, lightning, wind, hail, seasonal labor, and capital projects. Those risks require more than a standard playbook.
We are not watching from the gallery. We are inside the ropes.
That means we prioritize course management over hero shots. We know the yardage and the carry, keeping you out of the hay and away from the big numbers. If you find yourself with a fried egg in the bunker, we aren't judging the lie, we’re helping you splash out.
Most brokers focus only on the policy. We focus on the operation.
Our goal is control. It is about keeping the course open and the events on the calendar. It means keeping members confident and shielding the staff who make the experience happen.
Most importantly, it means keeping claims from becoming stories.
Good risk management stays quiet. It works in the background so you can get back to running the club.
Underwriters often say "no” because they don't understand the risk. We don't accept the first decline. We get on the phone, explain the controls, and fight for the quote. We don't believe in the easy button. While other brokers simply forward your application to a generic market, we do the heavy lifting to get the result.
The lowest price is useless if it excludes maintenance of grounds or liquor liability. We dig into the forms to make sure you aren't buying cheap paper that fails when you need it.
Whether you are in a wildfire zone, on a coast, or have a messy claims history, we don't give up. We are tenacious about finding markets for the clubs that other brokers are afraid to touch.
It comes down to profitability and predictability. Insurance carriers hate surprises, and lately, the data shows that golf has been full of them. Many carriers didn’t just raise rates. They packed up and left the course.
The era of the automatic renewal is over. You don’t need a paper-pusher; you need an advocate. You need a broker who fights for your narrative, proving to a skeptical market that your club is the exception to the rule.
Golf carts are no longer just lead-acid batteries. The shift to Lithium-Ion has created a massive fire risk in cart barns.
In the first half of 2024 alone, insured losses from severe convective storms (hail, wind, tornadoes) hit $61 billion—25% higher than the 10-year average. For golf courses, this means roofs, siding, and course assets are being damaged more often than models predicted.
According to the GCSAA, the average golf course maintenance budget has jumped from $688,000 in 2013 to over $1,068,000 in 2024, a 50% increase. When a claim happens, it costs the insurance company significantly more to fix the damage than it did just five years ago.
We are seeing a surge in nuclear verdicts. A single severe liquor liability claim or a traumatic injury on the course can now wipe out decades of premium profit for a carrier.
It is not just about the clubhouse. We build property coverage that extends across the course itself, including pump houses, irrigation controls, maintenance barns, and cart facilities. We protect the equipment and infrastructure that lives outdoors, takes constant wear, and keeps the course playable, so a single loss does not turn into weeks of downtime or missed revenue.
Your biggest liability moves twelve miles an hour. Whether you own or lease, we cover the fleet. Daily carts, beverage carts, shuttles, and maintenance vehicles. We handle the risk of rollovers and busy intersections.
Board disputes are personal. In a member-owned club, arguments over assessments and renovations get public fast. We shield your volunteer leaders from personal liability so they can govern without fear of being sued by their neighbors.
It is more than just slip and falls. It is errant shots hitting cars, trips on the cart path, and injuries on the practice range. We protect the club when perception matters as much as the facts.
High turnover creates high risk. With seasonal staff and young employees, the exposure for harassment or wage disputes is real. We protect the club from claims that arise in the locker room, the kitchen, or the pro shop.
Instruction, clinics, fittings, and lessons create real exposure that standard general liability does not address. We include professional liability protection for golf and tennis pros to cover claims arising from instruction, coaching, and professional services, so a bad outcome or alleged mistake does not turn into a personal or organizational liability issue.
The back of the house runs the club. From the grounds crew handling machinery to the kitchen staff during the dinner rush. We manage the seasonal nature of your workforce and help you control experience mods when injuries happen.
Your mowers are worth more than most cars. We treat your tractors, sprayers, and aerators like the critical assets they are. If the equipment goes down, the course conditions suffer.
You manage acres of sensitive turf. That involves fertilizer, fuel storage, and chemical runoff. Standard policies exclude this. We make sure you are covered for cleanup costs and fines so a leak does not close the course.
You hold the credit cards and data of the most influential people in town. A breach here is a trust issue, not just an IT issue. We secure the club against ransomware and wire fraud to keep member privacy intact.
From the beverage cart to the wedding tent. We ensure your coverage reflects reality. We protect the club against the exposure that comes with serving alcohol across hundreds of acres to thousands of guests.
You have high-net-worth members and high-stakes exposure. If a catastrophic injury happens, standard limits are not enough. We build towers of coverage to protect the club’s future assets.
Cash moves through the pro shop and the bar. We protect against theft, forgery, and social engineering, ensuring that internal controls are backed by actual insurance.
We treat the Board like a corporate entity. Board members are volunteers; they shouldn't risk their personal assets to serve the club. Our policies cover defense costs for allegations of mismanagement, discrimination, or breach of bylaws.
Yes. This includes private member owned clubs, daily fee and semi-private courses, destination golf resorts, and multi course properties. The common factor is that golf is central to the operation and the experience matters.
Yes. Many golf properties deal with legacy losses, weather claims, cart incidents, or event related issues. The focus is on repositioning the risk, correcting structural issues, and addressing what is actually driving claims so the operation can move forward.
Events introduce outside vendors, temporary structures, alcohol, and large crowds. Proper contracts, certificates, additional insured language, and operational standards are critical. The goal is to keep events on the calendar without increasing friction or exposure.
Member owned clubs introduce unique governance dynamics and decision-making structures. Insurance programs must support leadership, protect directors and officers, and reduce friction during claims or difficult situations.
Yes. Claims affect operations, staff morale, and member perception. The focus is on controlling the process, managing communication, and preventing claims from becoming larger operational or reputational issues.
Golf clubs and golf resorts that care about the experience, value operational control, and want insurance that works quietly in the background while leadership focuses on the course, the clubhouse, and the people who make it all run.
