Golf is well-known as a sport admired by many, with more than 50 million people engaging in it over some years now. Playing it is a refreshing and relaxing way for players to keep fit and enjoy themselves.
Golf equipment is expensive and the priciest is the golf clubs. A complete set will cost at least $1,300. And note that this is just amateur-grade equipment. If you go for the pieces that professionals use, then you’ll spend $3,000 or more for a complete set!
Your golf clubs can get damaged or stolen. And if any of the two happens, you’ll have to spend money again.
Can I insure my golf clubs? - We’re glad you thought of this. The answer to your question is yes. Golf clubs can be insured through golf club insurance similar to how golf instructors can be insured through golf instructor insurance. Here’s a guide that will teach all you need to know about this coverage.
Golf clubs insurance provides protection to your golf clubs. Situations, where this can be useful, are:
You’re in the airport and someone stole your golf clubs as you’re about to check out
You forgot the golf clubs in a public space, and they got lost
While driving to the golf course, you got involved in a car accident and the golf clubs got damaged
A calamity struck (e.g. earthquake, tornado, or storm) and your house got totaled together with the golf clubs inside
After a golf session, you went to a bar. A drunk guy passed by, swerved, and fell and hit the golf clubs beside you causing damage
Kids at home played with your golf clubs and caused damage
This policy is available as a stand-alone policy or as an inclusion in golf equipment insurance coverage, which is a policy included in golfer’s insurance.
So how does golf clubs insurance cover work? Insurance for golf clubs gives you $10,000 - $100,000 coverage. You can use the insurance money to replace a stolen or totaled golf club or repair a golf club that’s damaged. The following examples allow you to understand how the policy works better.
Suppose your golf clubs insurance gives $10,000 in coverage, and the damage to your golf club is worth $5,000. In this case, since you’re covered, the carrier will shoulder all of the cost of repairing your equipment
Your golf club insurance has a $15,000 limit and your golf club set got stolen, which has a total value of $10,000. Since you’re covered, the carrier will give you $10,000 as reimbursement
On a side note, some carriers offer custom limits wherein you can get coverage equal to the value your golf club set.
By the way, you should know that in case you cover golf clubs less than three years old with golf clubs insurance, then the stolen golf clubs insurance company will offer a replacement instead of reimbursement. This means that upon filing a claim you won’t get money but a new golf clubs similar to the ones you damaged or lost.
Homeowners and renters insurance may cover golf clubs. It all depends on how your carrier underwrote the policy. The thing is golf clubs and other sports equipment might be excluded or included in the terms of homeowners or renters insurance.
But generally, golf clubs and other sports equipment are covered under the contents coverage of your homeowners or renters insurance - provided that it’s not listed as an exclusion in the special limits section of the insurance contract.
If you’re thinking of insuring your golf clubs, then don’t forget to insure yourself too. This is very important if you’re a professional making money by playing golf. So how can you get protection? Simple, find a carrier that offers golfers insurance.
Golfers insurance is a tailored product insurance companies offer for amateur and professional golfers. Golf clubs or organizations also offer this to their members at very cheap rates. Policies included in golfers insurance are golf equipment coverage, legal liability insurance, motor vehicle coverage, and personal accident coverage.
Golf equipment coverage reimburses losses if you lose or damage your golf clubs, golf bag, tees, and other golfing equipment while traveling or playing. You can decide to insure all equipment using this coverage or schedule specific items that you want to be covered.
Legal liability insurance in golfers insurance covers your legal liability while in the golf course's grounds. This one covers costs if you’re accused of injuring someone, vandalizing the golf course, or causing a public disturbance.
Motor vehicle coverage covers your golf cart and auto. However, don’t confuse this one with auto insurance. Motor vehicle coverage only shoulders the cost of damage while your auto is parked in the golf course’s premises. For the golf cart, this only covers the damage while it’s being used. Your liability for accidents caused by the use of a golf cart is excluded.
Note that some carriers don’t offer motor vehicle coverage. What they have instead is motorized golf cart coverage. The function is still the same. However, your vehicle is excluded, hence the name.
Personal accident insurance in golfer insurance covers costs if you get injured while playing. With this policy, you can pay for the cost of emergency treatment and medication. Exclusions include after-hospital visits, rehabilitation, and travel expenses.
Golf clubs insurance is only available for golfers. Businesses that rent golf clubs can’t cover their stocks with it. Nonetheless, there are alternative business insurance policies that can be used such as business equipment insurance or stocks and contents insurance.
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Just to be clear, golf clubs insurance does not only pertain to coverage for golf clubs - as in the equipment you’re using to hit the golf ball. It can also mean an insurance policy for a golf club - meaning organization of people who love to play golf.
Insurance for a golf club, again an organization in this sense, is a business insurance policy offering protection against the cost of lawsuits, property damage, and more. Insurance policies included are:
Liability insurance
Commercial property insurance
Commercial auto insurance
Golf club liability insurance takes care of personal injury or property damage lawsuits. With this, a golf club can pay for settlement, lawyer fees, and other legal costs. Liability insurance comes in different types depending on what’s covered. Liability policies golf clubs usually purchase are:
General liability insurance - Covers costs if the golf club is accused of causing injuries and property damage to third parties such as delivery men, contractors, or visitors. Coverage doesn’t apply to members
Directors and officer’s liability insurance - In case the officers of the golf club is sued for mismanagement, embezzlement, and other wrongful acts, D&O insurance is the insurance policy that will cover settlements and legal fees
Commercial property insurance for golf clubs provides reimbursements if tangible assets got lost or damaged because of fire, storm, lightning, vandalism, theft, riot, and other named perils. Losses due to earthquake and flood are not covered. However, to get protection, there’s specialized earthquake insurance or flood insurance available.
Golf club commercial property insurance includes equipment coverage and rented premises coverage.
Golf club equipment insurance coverage provides reimbursement if materials inside the golf club’s office got damaged or lost because of fire, theft, vandalism, storm, fire, and other named perils. Common objects covered are:
Computers
Desks
Chairs
Golfing equipment owned by the golf club ( e.g golf clubs, golf carts, golf bags, etc.)
A basic commercial property insurance only covers damage to the building the golf club owns. In other words, the insurance won’t work if the building is rented. That’s why there’s rented premises coverage available. Through a rented premises coverage, the golf club can pay the property owner or shoulder the cost of repairs.
Commercial auto insurance is a protection for any of the following vehicles that might be owned by a golf club:
Passenger vans
SUV’s
Buses
Pickups
Types of protection included in commercial auto insurance for golf clubs are auto liability coverage, medical payments, and physical damage coverage.
Auto liability coverage shoulders the cost if the golf club’s vehicle caused an accident that resulted in personal injuries or property damage to third parties. This doesn’t cover the passengers and the drivers.
Coverage for passengers and drivers is available through medical payments coverage. However, the insurance only pays for medical costs and won’t compensate the driver and the passengers for damaged property.
Physical damage coverage, on the other hand, will take care of car repairs. This can be categorized into collision coverage or comprehensive coverage. Collision coverage takes care of the damage that’s caused by a vehicular accident. What’s usually covered are broken windshields or windows, dents, and broken headlights or taillights. On the other hand, comprehensive coverage takes care of damage caused by theft, vandalism, arson, lightning, and rain. Wear and tear are excluded.
Carriers have their own specific pricing. However, all use the following factors to calculate insurance premiums.
Location
The amount of coverage you want to get and deductibles
The total value of your golf club set
The brand of your golf club set
Where you play golf usually (local or international)
Present condition of your golf club equipment
Age of your golf club equipment
Provided that your golf clubs are brand new and not that pricey, then expect to pay $15 a month or $180 a year. But still, there are companies that charge their customers only $2 a month or $24 a year.
| | Cost per Month | Cost per Year | Best for |
|---|---|---|---|
| Next Gen | $2 | $24 | Golf club insurance with mobile app |
| Malayan | Call Malayan insurance for accurate pricing | | Golfers insurance with golf clubs coverage |
On average, the cost of insurance for golf clubs and golf organizations is $50 a month or $600 a year for a $1 million general liability insurance. For further reference, here’s a table showing the pricing of the recommended companies:
| | Monthly Rate | Annual Rate | Best for |
|---|---|---|---|
| CoverWallet | $52 | $624 | Golf club insurance quotes comparison online |
| Westfield Signature | $56 | $672 | Reputable golf clubs |
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Now you know the benefits of golf equipment insurance coverage. It's time to get a specific type for your business. You may be asking, "how do I insure my golf clubs " and what type of golf club insurance company will I go for?
Choosing the best golf insurance company could be challenging. To make it easy for you, we have compiled a few for you to make a choice. Each of these companies provides excellent golf club insurance. Read to know their pros, cons, and monthly pricing for a $1 million general liability coverage.
Simple online policy management
Offers three types of golf insurance options
Best for comparing online golf insurance quotes
Not an ideal insurance company
CoverWallet is a reputable company offering insurance coverage to golf clubs. They have three options for you:
Basic (General Liability)
The basic plan includes:
Coverage for finished operations/products
Coverage against claims from property damage and bodily injury
Standard (General liability + property)
Coverage includes:
Equipment breakdown
Damage to third party property
Bodily injury
Pro (General liability + property + workers' compensation)
Benefits include:
Coverage for work-related accidents
Missed wages during recovery
Ongoing medical care
Equipment breakdown
Damage to third party property
Bodily injury
Best for : Golf club insurance quotes comparison online
Average cost : $52 per month
Our rating : 10/10
Affordable
Fast claim alertness
Limited in some states
This is a reputable insurance company with several decades of experience. They have been operating for more than 70 years. Westfield signature knows the suitable policies for golf clubs, and they offer competitive rates.
Westfield Signature Insurance offers the following:
Protection against third party claims
Customized golf club insurance
Best for: Reputable golf clubs
Average cost : $56 per month
Our rating: 9/10
Has a mobile app
Golf clubs insurance is underwritten by Travelers
Claims filing isn’t intuitive
Next Gen covers your golf club equipment with its golf club insurance that’s underwritten by Travelers. Coverage applies if theft or damage happens while using the golf clubs or traveling. Next Gen offers a mobile app where you can easily manage your golf clubs insurance and file a claim.
Best for: Golf clubs insurance with mobile app
Average cost: $2 per month
Our rating: 10/10
Golfers insurance that comes with golf clubs coverage
No online quotes
Malayan covers golf clubs with its golfers insurance that comes with personal golf equipment coverage. This company’s equipment coverage doesn’t only extend to the golf clubs you own but also to other golfing equipment with the exception of tees and golf balls. If you’re looking for golfer’s insurance aside from golf clubs insurance, try this company as it offers personal accident coverage for you. And if you have a family, protection can be extended to your wife and child too.
Best for: Golfers insurance with golf clubs coverage
Average cost: Call Malayan insurance for accurate pricing
Our rating: 9/10
Ensure you check the features of golf clubs insurance to get the best coverage. If you want to compare golf club insurance quotes online, click the "Get Quotes " button.
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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