Golf Club Insurance

We have over 30 years’ experience and expertise in arranging insurance for a wide range of golf clubs around the UK

Get a quote 03334145262

Golf Club Insurance

Marsh’s exclusive golf insurance, LinksMaster, offers comprehensive insurance cover underwritten by Amlin Insurance, giving you peace of mind that your golf club is in the right hands.

We have over 30 years’ experience and expertise in arranging insurance for a wide range of golf clubs around the UK, including some of the oldest and most prestigious clubs in the country.

By arranging your golf club insurance with Marsh, you’ll have peace of mind in knowing that your club is working with a highly reputable company, and that our experienced customer service team will deal with your problems, queries or issues swiftly. This allows you to stay focused on the important business – managing your golf club and course.

At Marsh, we understand that each golf club is different and that you all face your own unique challenges. So there’s no one-size-fits-all approach here. We take the time to understand your specific needs and consider your particular risks and issues. This means we can offer the policy you need, tailored especially for you.

Our LinksMaster Solution Includes Cover for:*

Club Officials

  • Legal expenses.

  • Directors and officers liability.

  • Personal accident for officials.

Clubhouse and Course

  • Buildings and contents.

  • Maintenance and irrigation equipment.

  • Damage to playing surfaces including greens and tee areas.

  • Accidental damage to greens by greenkeeping staff.

  • Compulsory course alteration.

Protection for Your Members

  • Members’ personal effects.

  • Member-to-member liability.

  • Hole-in-one bar expenses for official club competitions.

Optional Extensions Available*

  • Personal accident for members.

  • Engineering insurance for plant and machinery.

  • Statutory engineering inspection contracts.

  • Road Traffic Act cover for unlicensed plant.

*As with all insurance policies, terms and conditions apply. Contact us for full details.

To find out more about Marsh’s specialist LinksMaster insurance, or to see whether we could improve your cover, service or premium, contact us to have a chat with our friendly team of experts today.

The Importance of Business Insurance for Golf Clubs

Owning and running a golf club means you have a number of responsibilities and risks to consider. You have to maintain the clubhouse and golf course, ensuring they remain in premium condition for the enjoyment of your members and guests. You have a duty of care to minimise health and safety risks for employees, members, guests, and visitors. You need to consider accidental damage to the course and buildings, and damage from unforeseen weather conditions that could temporarily close the clubhouse and course, losing you valuable income while repairs are carried out.

And that’s not all. Your members will expect cover for their valuable personal effects while on your premises, and club officials and directors need cover when away on official club business. Regardless of how well designed the course is, changes in circumstances can lead to public authorities requiring expensive course alterations to avoid incidents.

Golfers will always be very proud to achieve a “hole-in-one” but should this happen in an official club competition, a by-product of their achievement may be a large bar bill to celebrate, which typically means an additional expense to the club.

Opting for Marsh’s specialist LinksMaster golf insurance will cover all of that and more. Our policy cover can be split into three sections:

  • Cover for club officials.
  • Cover for the clubhouse and course.
  • Protection for your members. 

In addition, there are optional extensions available, covering things like road traffic accident cover for your plant, and engineering insurance for sudden, unforeseen damage to plant and machinery.

Get a quote 03334145262

The Golf Club Industry

The UK golf industry is in a healthy state. In 2014, golfers spent a staggering £4.3 billion on their sport, accounting for 14% of all consumer spending on sport. And more than half of that figure was generated via UK golf clubs. With the sport making a return to the Olympics in Rio 2016, there’s plenty of optimism that golf will maintain and even build on its position as one of the UK’s most popular sports. So if you own or manage a golf club, you’ll want to ensure that your investment stays out of the rough.

To find out more about our golf club insurance scheme, or to request a quote, contact us today.

Source: http://www.englandgolf.org/news.aspx?sitesectionid=38&itemid=9914&search=

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Related FAQs

See all FAQs

DO YOU COVER COURSE MAINTENANCE EQUIPMENT IN A LOCKED COMPOUND OR IN THE OPEN OUTSIDE OF BUSINESS HOURS?

Although we recommend that all equipment is stored in a locked and alarmed building we understand that it is not always possible. The LinksMaster policy provides cover for all self-propelled vehicles stored in a locked compound outside of business hours subject to certain conditions regarding the items being immobilised and in some cases an increased policy excess. The policy extends to cover golf buggies and items of plant over 25 horse power (hp) in the open, again subject to certain conditions and an increased policy excess.

GOLF - CAN WE INCREASE THE LEVEL OF COVER FOR MEMBERS' PERSONAL EFFECTS?

The standard level of cover is £1,500 per member. Whilst we urge all clubs to ensure their members have their own personal golf equipment insurance, we can increase the cover if requested.

GOLF - WE REQUIRE OUR DIRECTORS AND OFFICERS LIABILITY COVER TO INDEMNIFY THE LEGAL ENTITY. CAN YOUR POLICY COVER THIS?

Yes, the directors and officers liability cover is automatically extended to cover the legal entity with certain policy limits applying.

GOLF - TO WHAT EXTENT ARE OUR GOLFERS COVERED UNDER THE POLICY?

The policy provides member to member liability for all golfers including members, green fee payers, society golfers and guests. Importantly the member-to-member liability also extends to cover the golfer representing the golf club “whilst on tournament”.

GOLF - DOES THE POLICY COVER US IF WE ARE REQUIRED TO ALTER ONE OF OUR GOLF HOLES DUE TO ERRANT GOLF BALLS?

The policy will provide up to £100,000 of cover for costs associated with realigning a hole following enforcement by a local authority.

GOLF - DO YOU REQUIRE ANY PROPOSAL FORMS TO BE COMPLETED BEFORE COVER CAN COMMENCE?

As responsible scheme providers it is important that we have all the relevant information about the club. Therefore we do require a proposal form to be completed within 30 days of cover commencing. If you need assistance in completing the form we will be happy to help with your questions.

GOLF - DOES THE POLICY COVER OUR COMMITTEE MEMBERS, VOLUNTEERS AND FRANCHISEES UNDER THE FIDELITY GUARANTEE SECTION OF THE POLICY?

The policy recognises any authorised person(s) who handles money for your club under this section.

GOLF - CAN YOU INCLUDE DAMAGE TO FAIRWAYS UNDER YOUR GREENS AND TEES SECTION?

Interestingly a fairway or playing surface by definition is not recognised in the rules of golf. It is in fact defined as the “lowest cut of rough or a closely mown area.” In line with the traditional definition, the cover provides malicious damage for all greens, tees and closely mown areas “in play.” The standard cover is up to £200,000, which can be increased further upon request.

GOLF - WHAT COVER SHOULD WE HAVE FOR OUR IRRIGATION SYSTEM AS SOME SCHEMES ARE OFFERING INDEMNITY COVER?

We are aware some providers do offer indemnity cover to restrict the maximum sum insured payable in the event of a claim. Each club’s claim event can be very different and so can the costs involved. As an experienced scheme provider, we would recommend the irrigation system is insured based on the replacement value.

GOLF - SEVERAL OF OUR COURSE MACHINERY ITEMS ARE ROAD REGISTERED - DO THEY NEED TO BE ADDED TO THE MOTOR INSURANCE DATABASE?

Yes, regardless of whether the items merely cross a dividing road or are simply used in the club car parks, if the item has registration plates, it must be uploaded on to the Motor Insurance Database (MID). We can work with you to achieve this.

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