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Golf Instructor Insurance: Cost & Quotes From $11/mo

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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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.


Why Invest in Golf Coach Insurance?

Along with protecting you from financial losses, insurance for golf instructors can help your business thrive in many ways.


Professional Credibility

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.


Feel Confident on the Course

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

Golf Instructor Liability Insurance

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.


General Liability Insurance for Golf Instructors


CoverWalletNEXT (Best)Thimble
Per occurrence limit$1,000,000$500,000/$1,000,000$1,000,000/$2,000,000
Aggregate limit$2,000,000$1,000,000/$2,000,000$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?YesNoIncluded
Hired/non-owned auto liability coverage included?YesNoExcluded
Equipment breakdown floater included?NoYesYes
Can you get a certificate of insurance online?YesYesYes
Name additional insureds?YesYes
Yes
Deductible$0$0$0


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.


What Perils Does General Liability Insurance Cover?

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


How Much General Liability Insurance Do I Need to Get Hired as an Independent Trainer of Golf Schools or Golf Clubs?

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.


Professional Liability Insurance for Golf Instructors


CoverWalletNEXTThimble (Best)
Per occurrence limit$1,000,000$1,000,000$1,000,000/$2,000,000
Aggregate limit$2,000,000$2,000,000$1,000,000/$2,000,000
Name additional insureds?YesYesYes
Waiver of subrogation included?YesNoYes
License defense coverage included?NoNoNo
Deductible$500$500$500


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.


What Exposure Does Professional Liability Insurance Cover?

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


Does Professional Liability Insurance Cover Claims for Sexual Harassment or Molestation?

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 for Golf Instructors

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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Golf Clubs Insurance


NEXT (Best)Thimble
Aggregate limit$3,000/$10,000$2,500/$5,000
Covers hired and borrowed equipment?$3,000/$10,000$2,500/$5,000
Miscellaneous equipment also covered?$5,000/$10,000No
Offered as an endorsement to general liability insurance?YesYes
Deductible$500$500


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.


Is My Golf Cart Also Covered?

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.


Commercial Auto Insurance for Golf Instructors

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


Inland Marine Insurance for Golf Instructors

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.


Cyber Liability Insurance for Golf Instructors

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.


Disability Insurance for Golf Instructors

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.


My Operations Can Be Considered as a Golf School. Do I Need Other Policies?

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.


Commercial Property Insurance


CoverWalletNEXT (Best)Thimble
Building coverage limit (minimum)$50,000$25,000$25,000/$500,000
Contents coverage limit (minimum)$50,000$25,000$25,000/$500,000
Outdoor signsExcluded$2,500Excluded
Accounts receivableExcludedExcluded$5,000/$10,000
Money and securitiesExcluded$2,500$1,000
Lock and keysExcluded$2,500Excluded
Business interruption floaterExcludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000
Employee dishonesty floaterExcluded$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.


Business Owner’s Policy


CoverWalletNEXT (Best)Thimble
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?YesYesYes
Name additional insureds for free?YesYesYes
BOP discount?YesYesYes


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

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.

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Golf Instructor Insurance Cost


Cost per MonthCost per YearDeductible
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
Disability insurance$60$720$2,500
Tools and equipment insuranceDepends on the value of golf equipment to be insuredDepends 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:

  • Location

  • Your experience

  • Type of instruction

  • Deductible level

  • The number of employees

  • Policy limits


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 MonthCost per YearBest for
NEXT$12.50$150Best overall; Fastest general liability insurance for golf instructors
CoverWallet$14$168Comparing golf instructor insurance quotes over the phone
Thimble$17$204Golf coaches who require flexibility in insurance coverage period
Sadler$25$300Golf teachers looking for a sports-oriented insurance carrier

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Best Golf Instructor Insurance Companies

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.


NEXT Golf Instructor Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for golf instructors

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies

Cons

  • 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


CoverWallet Golf Instructor Insurance

Pros

  • Compare golf instructor insurance quotes over the phone

  • Easy online policy management

  • Get covered online or talk with an agent

  • Cancel a coverage anytime

Cons

  • 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


Thimble Golf Instructor Insurance

Pros

  • Offers on demand coverage

  • Online quotes and purchases available

  • Available in all 50 states

Cons

  • 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


Sadler Golf Instructor Insurance

Pros

  • Online quoting

  • Sports-dedicated insurance provider

  • Extensive risk management resources

Cons

  • 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


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