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Golf Course Insurance 

Protect your business with Westfield’s tailored golf and country club insurance solutions.

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Coverage at Westfield

What Is Golf Insurance?

Golf course and country club insurance is a combination of policies designed to help protect your business against various risks and exposures. Just as you strive to deliver impeccable playing conditions for your guests, Westfield is committed to finding the right insurance for your operations. From golf course liability insurance to workers’ compensation, we have you covered.

Whether you run an upscale private course or small semi-private course, we tailor our golf course insurance to fit your unique needs. 

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Industry Expertise

Golf Course Insurance Backed by Hands-On Experience 

Our coverage is not only customizable to your course, but it’s also backed by decades of industry experience:

  • We own and operate the Westfield Country Club, a 36-hole championship facility.
  • We’ve been insuring golf courses and country clubs for more than 75 years.
  • From 2001 to 2007, our country club hosted the Westfield Junior PGA Championship, including the Junior Ryder Cup in 2004.
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How It Works

What Does Golf Course Insurance Cover?

Westfield offers the essential protections that you expect, along with extended coverages specifically crafted for golf courses and the hospitality industry. Our agents work with you to create a mix of policies and endorsements to address everything from errant golf balls and fairway damage to lawn mowers and golf carts. 

Popular Coverages

What Insurance Do I Need for My Golf Course?

When it comes to golf insurance for your business, there is a range of coverages that you should consider. While the exact insurance you need depends on your specific operations, here are some of the coverages* that golf courses and country clubs commonly purchase: 

General Liability

Help protect your golf course from the financial impacts of lawsuits and claims related to guest injuries, property damage, and advertising injuries.

Commercial Property

Safeguard your leased or owned facilities, including clubhouses and maintenance buildings, as well as on-site equipment and tools. 

Business Interruption

Ensure your golf course or country club can cover ongoing expenses and maintain cash flow if operations are disrupted by a covered event.

Commercial Auto

Keep your operations running smoothly by protecting the vehicles used for transporting staff, equipment, and supplies. 

Equipment Breakdown

Shield your course from costly repairs and downtime when essential equipment fails due to a mechanical or electrical issue.

Commercial Umbrella

Gain additional protection that extends beyond the limits of your standard business policy for larger liability risks and exposures.

Workers’ Compensation

Help cover the medical care, rehabilitation costs, and lost wages for employees who are injured while working at your course or country club.

Crime Insurance

Safeguard against the theft of money and securities by employees or others, whether on-site or off-site, under specific circumstances.

Commercial Cyber

Help your business respond to and recover from cyber-attacks, including breaches of member information and damage to electronic records.
SureStep® BOP

Golf Course Insurance for Small Businesses 

Many small to midsize golf courses opt for a business owners policy (BOP), which combines essential coverages into one convenient, affordable package. Westfield’s SureStep BOP includes property, business interruption, and general liability insurance, with the option to add other industry-specific endorsements and coverages.
EXPLORE OUR BOP
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Pricing Factors

How Much Does Golf Course Insurance Cost?

It varies because the cost of golf course insurance depends on several factors, including:

  • Business size
  • Claims history
  • Food and beverage operations
  • Location
  • Number of employees
  • Property value

The best way to get an accurate estimate of your insurance premium is to request a quote from one of our experienced agents.

Risk Control Services

How Can Golf Courses Prevent Losses? 

As a Westfield commercial insurance policyholder, you gain access to risk control resources and services, including a team of consultants with hospitality expertise. We’re here to support you in creating effective safety solutions for your golf course or club house.  
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Why Westfield

What to Consider When Purchasing Golf Course Insurance?

When selecting golf course insurance, choose a policy that addresses your operation’s specific needs and is supported by a reliable, experienced carrier. Look for these key benefits:

Customizable Coverage 

Our independent agents customize your policy to match the specific needs of your operation and budget. 

Financial Strength

Westfield has been “A” Rated (Excellent) by AM Best for financial strength since 1934.

Industry Experience

Decades of managing the Westfield Country Club and two golf courses helps ensure coverage tailored to your risks.
Golf Course Insurance Quotes

Find an Agent Near You

Our hands-on experience with golf course and clubhouse management enables us to create golf insurance policies that provide the right coverage for your business. Contact an agent for a personalized quote today.
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*Please review your actual policy language to see applicable coverages, limits, and exclusions.