Golf Club and Golf Course Insurance quote

How We Can Help You

What type of golf club and golf course insurance do I need?

The types of Golf Club Insurance you need could include:

Public Liability: Essential if third parties visit your club or participate in club-organised events.

Employers’ Liability: Mandatory if you have any employees, including volunteers.

Property Insurance: Safeguard your premises, golfing equipment and other club assets.

Business Interruption: Cover for lost income if your operations are disrupted.

How Much Does Golf Club and Golf Course Insurance Cost?

Golf course & club insurance can start from as little as £150 per year for smaller clubs with basic cover and scale up to several thousand pounds for larger or more complex organisations. Here’s a rough breakdown of starting prices:

Public Liability Insurance – from £100/year

Directors & Officers Insurance – from £150/year

Sports Equipment Cover – from £100/year

Buildings/Clubhouse Insurance – from £400/year

Optional Upgrades and Add-Ons

At All Sport Insurance, we offer several options to enhance your Sports Club Insurance coverage:

Enhanced Property Cover: from £100 – £300

Additional Money Cover: from £50 – £100

• Personal Accident Cover: from £75 – £200

What Can Affect The Golf Club and Golf Course Insurance Price?

Insurance premiums vary depending on several factors. Here’s what typically influences the price:

1. Club Size & Location: Larger clubs or those in busy urban areas may face higher premiums due to increased exposure to risks like theft, vandalism, or high visitor numbers.
2. Activities & Public Interaction: Running youth programmes, community events, competitions, or hiring out your facilities can increase liability exposure — which can affect the cost of your cover.
3. Claims History: A clean record with no recent claims helps keep premiums down. Previous incidents such as accidents, theft, or damage may lead to higher future costs.
4. Type & Level of Cover: The more comprehensive your insurance package, the higher the cost — but also the stronger your protection.

How to reduce your golf club insurance premium?

Here are proven ways to lower your insurance costs while improving your club’s safety, security, and professionalism:

1. Upgrade Club Security: Install CCTV, motion-sensor lighting, and strong locks on buildings and storage areas. This may reduce your premium by 10–15%.
2. Create a Risk Management Plan: Clubs with formal risk management plans are seen as lower risk. This may reduce your premium by 5 – 15%. Show insurers that you take safety seriously with:
   1. Regular pitch or facility inspections
   2. Maintenance logs for equipment
   3. On-site first-aid provision
   4. Documented health & safety procedures
3. Train Staff & Volunteers: Offer regular training in safeguarding, first aid, or health and safety — and keep a record of who completes it. Some insurers reward training with 5–10% discounts.
4. Increase Your Voluntary Excess: Choosing a higher excess (e.g. £1,000 instead of £500) can reduce the overall cost of your premium. Potential savings: 5–20%.
5. Bundle Your Policies: Combining multiple policies — such as liability, property, and equipment — into one package can unlock better rates. Potential discount: 10–15% overall

Golf Club Case study

Stuart Disney, PGA Fellow Professional

Mendip Golf Club

I’ve been a PGA Fellow Professional for many years and I have run my own golf Pro Shop retailing golf equipment for over 10 years. During this time, I always sought the best deal I could get to save money. Being a TGI Golf Partner, I used our own recommended supplier as they provided me the best deal. Whilst happy with my insurance cover and level of service, I never had any issues, no insurance claims, no break-ins or anything that required me contacting the insurance broker. I simply renewed each year, had a look around for prices and found that they were really competitive.

Then I had a break-in in March 2018. That’s when the problems started. I made the usual telephone call to inform them of my break-in, only to be passed from pillar to post and not having any one single person to look after me. Whilst all this was going on, my renewal also came through. I couldn’t get insurance from anyone else because I had an ongoing claim that hadn’t been settled and no-one wanted to deal with me because I hadn’t got the details from the insurance company as to the value of the claim, when it was being settled, what implications this would have on my Pro Shop in terms of additional security. Despite numerous phone calls and emails to try to resolve this with the broker, nothing happened until shortly after my renewal date by which time I had to continue with the insurance firm. And then they paid out. My claim was for £10,000 of stock stolen, I provided all the evidence necessary and again, despite numerous phone calls and emails with the brokers and insurance company, I only got paid £6,000 and to add salt to the wound, my insurance premium went up by £800!

I had to run with this for the next year until, by chance, I gave a golf lesson to Geoff Derham of All Sport Insurance. Geoff informed me he ran an insurance brokers firm, All Sport Insurance. The conversation progressed and I asked about business insurance and Pro Shop insurance. It was around the time I was due to renew, so a touch of good fortune I thought to myself.

The All Sport office called me, discussed my needs and wants and put together a quotation. The quotation itself was actually less than my renewal, even though I had had a break-in 12 months earlier, and my shop is of a timber construction which always causes problems.

The level of service I received was exemplary. Nothing was too much trouble and everything was checked for me regarding the small print.

I was so happy with the service, that the following year (2020), the COVID-10 pandemic hit the world and I made one phone call to All Sport Insurance to find out if I had Business Interruption Insurance on my policy. They guided me through the process, put me in contact with the insurance company, and I followed their instructions. A couple of issues arose, but again, All Sport Insurance guided me through this and made some suggestions as to what I could do. I did so and 2 weeks after the initial claim log, the insurance company agreed to pay out for business interruption cover.

Other products that we offer…

Besides Sports Club Insurance, we also offer: