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A golf club deserves insurance that lives up to its standards.
Between the vast grounds, social events, members, and expensive amenities, a golf club has to manage many risks. Specialized insurance is essential to protect your business against the unexpected. Quickly compare offers and get a customized quote online, with ease.
Why Specialty Insurance for a Golf Club?
- Damage to limbs or visitors (injuries, slips, blows, etc.).
- Corporate events and high-risk tournaments : increased liability.
- Expensive equipment and machinery : mowers, carts, automated watering.
- Risks related to the restaurant and bar (poisoning, incidents, vandalism).
- Natural environment : management of trees, bodies of water, bad weather.
Recommended Coverages for Golf Clubs
| Guarantee | Description |
|---|---|
| Civil liability | Protects in case of injury or damage caused to a member, visitor or third party. |
| Machinery breakdown | Covers breakdowns of mowers, tractors and other essential equipment. |
| Buildings and facilities insurance | Damage to pavilions, warehouses, terraces, etc. |
| Theft and vandalism | Covers theft or damage to materials, equipment or facilities. |
| Special Event Protection | Covers the risks associated with one-off events organized on site. |
Why compare golf club insurance?
- Receive personalized quotes based on your club’s size and offering.
- Compare multiple recognized insurance companies in one place.
- Save time with a single online application.
- Work with broker partners who understand the risks unique to the golf industry.
- Make sure that all your activities – sports, social, commercial – are well covered.
Which insurers cover golf clubs?
| Insurer | Golf Specialization | Rates | Customer service | Flexibility of guarantees |
|---|---|---|---|---|
| Intact | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
| The Unique | ⭐⭐⭐☆☆ | ⭐⭐⭐⭐☆ | ⭐⭐⭐☆☆ | ⭐⭐⭐⭐☆ |
| Aviva insurance | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
| Promutuel | ⭐⭐⭐☆☆ | ⭐⭐⭐☆☆ | ⭐⭐⭐☆☆ | ⭐⭐⭐☆☆ |
| Economical | ⭐⭐⭐⭐☆ | ⭐⭐⭐☆☆ | ⭐⭐⭐⭐☆ | ⭐⭐⭐☆☆ |
Does the insurance cover events organized by the club?
Yes, some warranties cover special events, cocktails, tournaments and one-off activities. You should mention this to your broker.
Does the insurance cover golf carts?
Yes, motorized carts can be insured against theft, accidents or mechanical breakdowns according to the terms of your contract.
My club is seasonal, can I have adjusted insurance?
Absolutely. Several insurers offer seasonal or flexible formulas depending on the month of operation.
What are the main coverages in golf club insurance insurance?
A typical golf club insurance insurance policy in Quebec includes: general civil liability (damage to third parties), commercial property (building, equipment, stock), equipment breakdown, business interruption (income loss after a claim), and depending on the sector, professional liability or cyber-risks. Exact coverage varies by insurer and profile — your partner broker tailors the policy to your operations.
What exclusions should I check before signing?
The most common exclusions in business insurance: intentional acts, normal wear and tear, claims occurring before the policy period, certain catastrophic risks (flood, earthquake — often optional), mobile equipment off-site, and undeclared activities. Always read the exclusion clauses and declare all your operations to avoid claim denial.
Can I bundle my golf club insurance insurance with auto or home?
Yes. Most of our AMF-certified partner brokerage firms offer multi-product bundling. Combining business insurance with auto or home can generate a discount of 10 to 15% on total premiums, plus simplified management (one point of contact, one renewal date). At Assur360, the quote systematically evaluates the bundled option.
How does professional liability (E&O) insurance work?
Professional liability (E&O) covers errors, omissions or negligence committed in the course of your profession, plus legal defence costs. It differs from general liability (which covers bodily or property damage to third parties). Depending on your sector, E&O can be strongly recommended or required by contract (e.g. by clients or professional associations).
How long does a golf club insurance quote via Assur360 take?
The online form takes 3 minutes to fill out. You’ll then receive a call or email from an AMF-certified partner brokerage firm (member of the Chamber of Insurance) within 24 to 48 business hours with a personalized quote for your business. The quote is free and no obligation — you’re free to accept, decline, or negotiate.
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Our AMF-certified brokers compare several insurers to find you the best business coverage.