Merchants’ Golf insurance is designed to insure “daily fee” golf courses that are open to the public. These courses typically have practice greens and a driving range. They may or may not have a snack shop, full-service restaurant, golf pro or a pro shop.
General Liability (GL) Insurance
Helps protect your business from claims involving bodily injury and third-party property damage. For example, if a customer slips and falls while at the golf course or if a customer’s personal property is damage while it is at your course. Merchants has liability coverages available to help protect your golf course such as:
All golf courses rely on the use of pesticides and herbicides to assist in the maintenance of the grounds. This provides you with limited pollution coverage for bodily injury and property damage pertaining to pesticide or herbicide application.
This optional coverage provides comprehensive data security and privacy coverage that addresses both first party losses and third party liability claims, expert claims handling and breach response services in the event of a suspected breach, and a risk management website which provides information, guidelines and tools to help mitigate risk before a breach occurs.
Commercial Property Insurance
Building and Business Personal Property Coverage protects you against loss to your physical assets such as your building, its contents, and your equipment including your golf carts. Merchants has property coverages available to help protect your golf course such as:
Equipment Breakdown coverage responds to the cost of repairing or replacing mechanical, electrical or pressure systems equipment that suffers a breakdown. Covered property can include refrigeration units, computers, phone systems and compressors for an irrigation system.
Referred to as “Tee to Green” coverage, this is provided for the golf course grounds including tee, fairway and green areas. This can include damage to your course from a hailstorm or if a vandal drives across the fairways.