Golf Course Insurance

Client Centered

Golf Course Insurance is a specialty line of business and it is important to find someone that is passionate about your industry and has the desire to go the extra mile.  At LBK Insurance, you will find that with our son, Lanam Hodges, who heads up that division.  

Lanam, an avid golfer, takes the time to meet with you and customize an insurance plan that will fit your needs and your budget.  Golf courses, country clubs, and golf-related businesses are never a one size fits all need.  Having someone take the time to understand your business model and requirements is crucial

Types of Golf Operations We Insure:

  • Public golf courses
  • Private country clubs
  • Driving ranges
  • Golf retail stores

Important Coverages to Consider:

Property Coverage -

Small or large courses have the need to protect the structures, the contents of those structures and signs. Some also need coverage for tennis courts, statues, pump houses, hole markers, ball washers, etc. 

Equipment - Carts and mowing/landscape equipment

Business Personal Property of golf club professionals 

Members and guests’ property - Covers legal liability for loss of or damage to guests’ properties while they are at a covered location.

General Liability Coverage -

Premise Liability - Provides coverage for the cost of any third-party injuries and damage claims due to an accident that occurs on the premise of the insured.  In all states, owners that occupy a property must make a reasonable effort to maintain a safe environment for visitors to it.  Included is defense cost on all liability claims brought against the insured.  

Employee Dishonesty - Pays for direct physical loss to business property, money, and securities resulting from dishonest acts of the insured’s employees.

Golf and tennis pro professional liability - Pays those sums the insured is legally obligated to pay as a result of a negligent act or omission arising out of a covered in-house professional. 

Additional Insured - Extension of liability to qualified additional insureds. 

Club Service Errors and Omissions - Liability coverage for the insured against liability for committing an error or omission in the performance of professional duties.

Non-owned Auto - Pays bodily injury or property damage for any autos you do not own, lease, hire, rent or borrow that are used in connection with your business.  This includes autos owned by employees, partners, and members-only while used in your business.  

Liquor Liability - Covers the amount insured is legally obligated to pay as damages for injury due to the selling, servicing, or furnishing of any alcoholic beverage. 

Auto Coverage

Protecting not only the investment of the vehicles that the insured owns but also liability coverage for the insured protecting the assets and future assets of the insured against an accident that the insured is found to be negligent.  

Umbrella Coverage

A low-cost way for the insured to safeguard the current assets and potential future earnings from any court-ordered monetary awards.

Workers Compensation

Not a coverage that is mandated by law in Texas but an important coverage to consider to protect not only the insured but the valuable employees that work for the business.

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