Golf course insurance risks often include substantial amounts of real property in connection with their business operations. These structures will frequently include incidental property where considerable values can be present. Unfortunately, most property forms contain several peril and value limitations for many of these items, which could lead to severe under-insurance problems. In these situations, additional endorsements can buy back coverage for several restricted categories of real property including foundation, underground pipes, fencing, retaining walls, bridges, roadways, patios, walks and landscape.

Many other risk-specific coverage are necessary for most golf course insurance needs.  Some of the risks or liabilities are pollution, garage keepers, liquor, property of others, fine arts and employment practice liability.  On the professional side, there is normally a need for directors & officers and errors & omissions coverage.

We save clients between 20 to 40% on their insurance premiums.  We are confident that if you have a golf course insurance need, we'll be able to offer you the highest quality of carrier, with the best coverage terms, and the best loss control services at the lowest cost.

The country club insurance program covers a range of venues, including:

  • Private Country Club

  • Semi-Private Country Clubs

  • Upscale Daily Fee Courses

  • Golf Management Companies

  • City Clubs

  • Sports Clubs

  • Country Clubs associated with HOAs & POAs

  • Social & Tennis Clubs

  • Hunting & Fishing Clubs

  • Golf Resort Destinations

  • Golf Management Companies

  • Golf Course Communities

  • National, State and Local Golf Associations


  • Package

  • Property, Inland Marine, Equipment Breakdown, Builders Risk, Fine Arts, Signs

  • Blanket Real & Personal Property– including Carts and Equipment, bridges, fences, walls.

  • Personal Property of Others – Members and guest property, including clubs and equipment

  • Flood, Earthquake, Earthquake Sprinkler Leakage coverage

  • Electronic Data Processing Limits

  • Tee to Green limits, including trees, including water damage & weight of ice

  • Debris Removal

  • Outdoor Structures, i.e. Outbuildings, restrooms, storage shacks, docks

  • Business Income Loss & Extra Expense

  • On & Off Premises Utility Interruption

  • General Liability

  • Bodily Injury and Property Damage

  • Club Members can be automatically included as additional insured

  • Country Club & Tennis Pros can be included as insured with separate limits

  • Personal & Advertising Injury

  • Employment Benefit Liability

  • Liquor Liability

  • PGA / LPGA / Senior Tournaments events can be underwritten and covered

  • Miscellaneous Professional Liability can be included for barbers, beauticians, masseuses, manicurists, trainers, catering

  • Abuse & Molestation Coverage

  • Food Contamination or Illness Coverage

  • Fiduciary Liability

  • Commercial Auto

  • Hired & Non Owned

  • Hired Car Physical Damage

  • Garage Keepers

  • Pollution Options

  • Herbicide / Pesticide

  • Herbicide / Pesticide with a stand alone tank policy, Above or Below Ground

  • Full Pollution policy

  • Crime

  • ERISA, Employee theft, Computer Fraud, etc.

  • 1st Party

  • 3rd Party

  • Workers Compensation

  • Multiple Markets

  • Proprietary rate filings

  • Guaranteed Cost Products

  • Deductible Products

  • In-Network Health Credits

  • D&O / EPLI

  • Directors & Officers Liability

  • Employment Practices Liability

  • 3rd Party coverage

  • Umbrella

  • True Umbrella – Coverage A & B form

  • Up to $25 million limits

  • Ability to schedule D & O and EPLI up to $10 million

  • Ability to schedule Herbicide / Pesticide

  • Event Coverage

  • Event Cancellation – Protects against weather and other circumstances

  • Special Event Liability – Property & Liability protection for events

  • Hole-in-One Insurance – Prize winning indemnity

Swingle, Collins & Associates specializes in country club insurance coverage for clients in Dallas, Las Colinas, Southlake, Westlake, Plano, McKinney, Allen and Carrollton. The descriptions of coverages listed on this website are brief and subject to the provisions, limitations, and exclusions that can only be expressed in your policy and related endorsements. For additional information of how Swingle, Collins & Associates can assist in meeting your coverage needs for private golf & country club, tennis club, and sports club insurance please contact your dedicated risk manager to discuss the benefits and services of personal homeowners insurance coverage.

The information contained on this page is provided for informational and educational purposes only. It contains general information on insurance issues and may not reflect the most current developments in insurance coverage and is unlikely to apply in all factual scenarios. The information does not include all the terms, coverages, exclusions, limitations or conditions that may be contained in the actual insurance contract language. The policies themselves must be read for those details. Sample policy forms will be made available upon reasonable request.