There are risks related to your job, and they may present significant challenges. You might encounter irritable students, clumsy golfers, and equipment issues. Anything can go wrong when teaching golf. And if you’re working for golf courses, trust that they might not protect you through their golf course insurance.
Golf instructor insurance is a tailored insurance package that covers the unique exposures present when teaching golf, such as bodily injuries, property damage, and sexual harassment claims. Examples of policies included are general liability, professional liability, commercial property, golf clubs insurance, and workers compensation insurance.
Read this guide that will teach you the functions of policies included in a golf course insurance package, how much you can expect to pay for premiums, and which companies you’ll find wholesome.
Along with protecting you from financial losses, insurance for golf instructors can help your business thrive in many ways.
After purchasing golf instructor insurance, you’ll receive a certificate of insurance. This indicates that your insurance is valid and updated, thus bolstering your sales package. Besides, many country clubs and driving ranges require instructors to have insurance coverage before offering golf training in their locations. Insurance certification shows them that you're covered, and they won't be liable for your actions if something goes wrong.
With golf instructor insurance, you can teach with more confidence and worry less about something going wrong. This means that your mind is less likely to drift away and you can focus more on your students
As a golf coach, you might be wondering: do I really need special golf instructor liability insurance?
The answer is yes. It's evident that students hire you because you're a professional, but remember that you're not immune to risks. While you may not be liable for accidents caused by a poorly-swung ball, we live in a litigious society, and you can be sued anytime.
Professional liability and general liability insurance are the two types of golf instructor liability insurance. Your insurance bundle isn’t complete without these. The two sections below discuss how each works.
|Per occurrence limit||$1,000,000||$500,000/$1,000,000||$1,000,000/$2,000,000|
|Products and completed operations aggregate limit||$2,000,000||$1,000,000||$1,000,000|
|Advertising injury coverage aggregate limit||$1,000,000||$1,000,000||$1,000,000|
|Tenant’s legal liability coverage limit||$100,000||$100,000||$5,000|
|Waiver of subrogation included?||Yes||No||Included|
|Hired/non-owned auto liability coverage included?||Yes||No||Excluded|
|Equipment breakdown floater included?||No||Yes||Yes|
|Can you get a certificate of insurance online?||Yes||Yes||Yes|
|Name additional insureds?||Yes||Yes||Yes|
Golf looks very easy at first glance. This is why your students might be careless with their swings and find themselves in an accident.
The occurrence of an accident during a golf lesson can fall on your shoulders. And so, it’s smart to have general liability insurance. Use the table above to see which insurance company offers the best general liability insurance for golf instructors.
Golf trainer general liability insurance grants protection if a student or any other third party files a claim because of:
Property damage–You may crash a golf cart into another cart full of golfing equipment. With liability insurance, you can cover the costs of replacing the damaged equipment
Bodily injuries–Suppose you failed to ask about underlying injuries, and your client aggravates a bad hip, causing them to miss an appointment at work. There's nothing you can do to stop them from holding you responsible. But if you have golf coach liability coverage, you can cover their medical costs and lost business
Advertising injury–As you're marketing your golf training business, you mistakenly use a copyrighted photo in one of your advertisements. The owner of the image can sue you for copyright infringement, which can carry hefty financial consequences. With golf instructor liability coverage, your insurer will be the one shouldering the financial burden, not you
Golf schools and golf clubs have their own general liability policy purchased from a country club or golf course insurance package. However, this doesn’t extend to you. That said, you need to have your own general liability policy with a $1 million-$2 million per occurrence and aggregate limit. It’s a plus if this has a $10,000-$25,000 customer property endorsement.
|Per occurrence limit||$1,000,000||$1,000,000||$1,000,000/$2,000,000|
|Name additional insureds?||Yes||Yes||Yes|
|Waiver of subrogation included?||Yes||No||Yes|
|License defense coverage included?||No||No||No|
You’re expected to employ the highest level of care and precaution while teaching students. This is why claims can also be filed if a student gets injured due to your inability to assess their ability, correct posture, or spot bad technique.
Any claims brought against you as a professional golf trainer aren't covered by general liability insurance. Rather, what provides help is professional liability insurance. Use the table above to see which insurance company offers the best professional liability insurance for golf instructors.
Professional liability insurance grants coverage if a student files a claim and accuses you of:
Overcharging for your instructor’s fees
Giving inaccurate advice
Faking your experience and credibility as a golf trainer
Being negligent by not correcting bad techniques and preventing possible accidents from happening
Sexual harassment and molestation is an exposure that’s included in the language of professional liability insurance. This is the reason why you need to purchase sexual harassment and molestation coverage as a stand-alone policy or endorsement.
Sexual harassment and molestation insurance will cover the cost for settlements, legal defense, and court judgments if an student accuses you of sexual abuse, assault, and molestation. This grants a $50,000 minimum worth of coverage. Insurance companies allow you to avail sexual harassment and molestation insurance as a stand-alone policy or endorsement to professional liability insurance.
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|Covers hired and borrowed equipment?||$3,000/$10,000||$2,500/$5,000|
|Miscellaneous equipment also covered?||$5,000/$10,000||No|
|Offered as an endorsement to general liability insurance?||Yes||Yes|
Golf clubs insurance is what many insurance companies offer as a stand-alone or optional tools and equipment insurance. The table above shows which insurance company offers the best tools and equipment insurance for golf clubs.
Tools and equipment insurance will reimburse the value of golf clubs, golf balls, golf bags, tees, ball retrievers, ball shags, ball washers, and club head covers that get damaged or destroyed because of fire, theft, vandalism, and other covered perils.
Yes. Your golf cart is also covered regardless if that’s kept in your residence or at the county club. Tools and equipment insurance can reimburse some of the value of the golf club if it gets destroyed. You can also use the policy to pay for the repair or replacement of parts.
You can include a commercial auto policy in your golf instructor insurance package. This is very useful if you own a car and use it to fetch students and visit different golf courses. You can use commercial auto insurance to:
Cover the medical treatment of injured third parties if you cause a vehicular accident
Cover the student’s medical treatment and your medical treatment
Pay the repair or replacement of parts if your vehicle sustains damage because of fire, theft, vandalism, and other covered perils
Cover the compensation for medical treatments you would have received from an uninsured/underinsured driver
Golf equipment can get damaged, lost, or destroyed during travel. This is why it’s important to purchase a policy that covers this exposure. There’s only one you can use and this is inland marine insurance.
Inland marine insurance will reimburse your financial losses if something happens to the golf equipment during the trip because of fire, theft, vandalism, upset, negligence, mysterious disappearance, and other covered perils.
It’s not a bad decision to purchase cyber liability insurance if you own a website where clients can automatically book lessons and pay their dues. A data breach can happen anytime and the function of cyber liability insurance is to cover this.
Cyber liability insurance helps you cover the resulting costs following a data breach; particularly, the expenses for customer notification, data breach containment, recovery of lost data, credit and fraud monitoring, and legal defense.
You might sustain injuries while teaching golf. For example, a careless student can hit you with the golf club. An errant ball might hit your head. You can experience heat stroke. Finally, it’s not ever far-fetched to say that you might get involved in an accident while driving a golf cart.
Consider purchasing disability insurance. Disability insurance will cover the cost of medical treatment, medication, and even reimburse lost income if you sustain injuries while teaching golf. By the way, another coverage option is workers' compensation insurance.
Aside from the policies above, you might want to consider including commercial property insurance, business owner’s policy, and employee dishonesty insurance in your tailored coverage.
|Building coverage limit (minimum)||$50,000||$25,000||$25,000/$500,000|
|Contents coverage limit (minimum)||$50,000||$25,000||$25,000/$500,000|
|Money and securities||Excluded||$2,500||$1,000|
|Lock and keys||Excluded||$2,500||Excluded|
|Business interruption floater||Excluded||Included||Included|
|Equipment breakdown floater||Excluded||Included||Excluded|
|Inland marine insurance floater||Excluded||Excluded||$10,000|
|Employee dishonesty floater||Excluded||$5,000||$2,500|
Commercial property insurance will reimburse financial losses if a golf facility you hire, rent, or lease sustains damage or gets destroyed because of fire, theft, vandalism, sinkhole collapse, weather, volcanic action, and other covered perils. This also covers the valuables inside. Use the table above to see which insurance company offers the best commercial property insurance for the facilities of golf instructors.
Commercial property insurance doesn’t reimburse the value of your students’ golfing equipment that gets damaged or destroyed while in your facility. This is due to the policy’s care, custody, and control exclusion.
|General liability aggregate limit||$2,000,000||$500,000/$2,000,000||$1,000,000/$2,000,000|
|Commercial property coverage limit||$50,000||$25,000||$25,000/$500,000|
|Optional policies can be added?||Yes||Yes||Yes|
|Name additional insureds for free?||Yes||Yes||Yes|
A business owner’s policy combines general liability and commercial property insurance. An insurance company might offer this so that you don’t waste money by purchasing general liability and commercial property insurance individually. Use the table above to see which insurance company offers the best business owner’s policy.
Note that you can find insurance companies that allow a business owner’s policy to include other insurance products such as professional liability, cyber liability, and employee dishonesty insurance.
Employee dishonesty insurance will take care of expenses if an employee commits theft, forgery, misrepresentation, embezzlement, social engineering, and other dishonest acts. You can purchase this as a stand-alone policy or as an endorsement to commercial property insurance.
|Cost per Month||Cost per Year||Deductible|
|General liability insurance||$22||$264||$0-$500|
|Professional liability insurance||$44||$528||$500-$1,000|
|Commercial property insurance||$30||$360||$1,000-$2,000|
|Business owner's policy||$50||$600||$1,500|
|Employee dishonesty insurance||$29||$348||$1,000|
|Commercial auto insurance||$35||$420||$500-$1,000|
|Tools and equipment insurance||Depends on the value of golf equipment to be insured||Depends on the value of golf equipment to be insured||$500-$1,000|
|Cyber liability insurance||$49||$588||$1,000|
The average golf instructor insurance cost is $22 per month or $264 per year for a $1 million general liability policy. The amount you pay in monthly premiums for your golf instructor insurance will be different from what another golf coach pays. Insurance companies usually consider several factors when pricing insurance policies. These factors include:
Type of instruction
The number of employees
Here’s a table that further gives a glimpse of the cost of premiums by showing how much the best companies charge for a $1 million general liability policy:
|Cost per Month||Cost per Year||Best for|
|NEXT||$12.50||$150||Best overall; Fastest general liability insurance for golf instructors|
|CoverWallet||$14||$168||Comparing golf instructor insurance quotes over the phone|
|Thimble||$17||$204||Golf coaches who require flexibility in insurance coverage period|
|Sadler||$25||$300||Golf teachers looking for a sports-oriented insurance carrier|
Get all the best quotes from leading providers in a click of a button!
It's essential to be selective about the insurance provider you partner with. Different carriers cater to various industries. And so, it’s important to know which insurance company grants comprehensive coverage to golf instructors. Below are the best golf instructor insurance companies. Read some of the reviews below to know their pros, cons, and cost of a $1 million general liability insurance.
Issues an online proof of insurance instantly
Fastest general liability insurance for golf instructors
Great customer service and reputation
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT was established in 2016 and operates differently from traditional business insurance companies. It's a digitally-focused insurer that sells products and services online. Golf teachers can purchase individual policies or custom-made insurance packages to suit their businesses. Once approved, NEXT offers buyers the convenience of accessing their insurance certificates online and even sharing them digitally for free.
Your golf instructor insurance package from this company is available in three plans-basic, premiere, and deluxe.
Basic-General liability coverage limit is $500,000, and workers' comp per-accident limit is $100,000
Premiere–General liability per-occurrence limit - $1 million; workers' comp per-accident limit - $500,000
Deluxe–General liability policy limit - $2 million; workers' comp per-accident limit - $1 million
NEXT is the best insurance provider for golf coaches who need expedited insurance coverage and want to manage their policies online.
A digital-first provider, Next accepts online claims reporting. And while that's convenient, traditional customers who're used to paper-based claims reporting may find the digital process cumbersome.
Best for: Best overall; Fastest general liability insurance for golf instructors
Average cost: $12.50 per month
Our rating: 10/10
Compare golf instructor insurance quotes over the phone
Easy online policy management
Get covered online or talk with an agent
Cancel a coverage anytime
Not an insurance company but an insurance broker
CoverWallet is an insurance broker that offers a tailored golf instructor insurance package by curating the quotes of its partners. To get a quote, you need to use this company’s online quotes comparison platform and provide some basic business information. Examples of what you can avail are:
$1 million general liability insurance
$1 million professional liability insurance
$50,000 commercial property insurance
Golf clubs insurance
Workers compensation insurance
Cyber liability insurance with cyber extortion and electronic data loss coverage
Best for: Comparing golf instructor insurance quotes over the phone
Average cost: $14 per month
Our rating: 10/10
Offers on demand coverage
Online quotes and purchases available
Available in all 50 states
Commercial auto insurance not available
Offers customer support only online
Policies are underwritten by the insurance carrier, not Thimble
Thimble provides flexibility regarding coverage lifespan. Golf trainers can buy insurance by the hour, day, or month, depending on their needs or schedule. That makes it an ideal company for golf coaches who require coverage quickly and temporarily.
Thimble's golf instructor insurance helps coaches protect themselves from liability and other common exposures. Policies you can avail are professional liability (E&O insurance), business equipment coverage, workers' compensation, general liability, and business owner's policy (BOP).
Best for: Golf coaches who require flexibility in insurance coverage period
Average cost: $17 per month for general liability coverage
Our rating: 9/10
Sports-dedicated insurance provider
Extensive risk management resources
Sports instructor insurance excludes trainers in other sports, such as skiing, diving, equestrian, etc.
Sadler Insurance was established in 1946 and has since expanded its product and service portfolio to include the sports and recreation industry. The company provides tailor-made insurance policies for instructors across various sports, from golf, baseball, and football to softball, swimming, soccer, and wrestling.
To protect sports instructors from risks, Sadler provides a range of policies, including general liability, professional liability, commercial property insurance, workers' compensation, commercial vehicle liability, and an Umbrella Insurance policy for businesses with high-value assets.
Sadler's knowledgeable and professional small business experts understand the risks involved in golf coaching. They can help you choose the specific policies for your business to save money on policies you don't need.
One advantage of purchasing Sadler's golf trainer insurance is that the company provides a fast-3-minute online quoting process, saving customers a significant amount of time. The insurer's website also offers an extensive library of risk management and insurance resources and tips to help golf trainers mitigate their risks. The only limitation is that its array of sports instructor insurance doesn't cover instructors in other sports.
Best for: Golf teachers looking for a sports-oriented insurance carrier
Average cost: $25
Our rating: 8/10
Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
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.
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
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.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
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!