fall. Although shorter days and cooler temperatures mark the beginning of many exciting seasons - football, hunting, festivals, parties - unless you are blessed to live in the South, it also marks the end of a the greatest seasons of all: the golf season!
Golf has been around for hundreds of years and has become one of the most popular times of the past. The amount of time, money, and effort spent trying to perfect the art of smacking a little white hundreds of yards balls down a narrow alley in a tiny hole has resulted in the construction of thousands of golf courses across the country. Many country clubs have clubhouses now several million dollars with impeccable facilities while smaller municipal courts, most affordable offer the basics of the game. They all, however, are facing similar insurable exposures.
Aside from common exposures most people are aware of the coverage of the property as a club for the coverage and business income, owners and managers should consider these guarantees protection against the many unique exhibits of this golf course:
- golf course Greens and grounds . This coverage is for the outside grounds of the course. Included in this coverage are green, trees, bushes, flags, walkways, starting markers, bunkers, bridges and cart paths, ball washers, coolers, sprinklers and retaining walls among others outdoor structures. Blankets and insured risks vary from program to program.
- golf carts. Many golfers love scooting around the course in a golf cart as they chasing their ball. These trucks can however create an exhibition that must be addressed by the course management. Some courses are own their own carts, while others rent them from a separate owner. Anyway, the coverage of the liability and physical damage to the carriages should be reviewed.
- Wandering Cloud Ball. This coverage hits very close to home for many golfers, including myself. Hitting that little ball right is sometimes a very difficult thing to accomplish. Many courses are bordered by houses or private roads and a stray bullet can cause serious damage. Have excess liability coverage are not covered by the golfer can protect the course when the golf ball does not cooperate!
- pesticides and coverage of the herbicide. These beautifully maintained greens and fairways are not that way naturally. Courts apply pesticides and herbicides to keep the grass green and weed free, open to the overspray liability pollution or poor.
Other owners and golf course operators exposures may need to consider include swimming pools, restaurants, courts the responsibility of alcohol, and tennis, to name a few -uns.
Although the game of golf can be very aggravating from time to time, those of us who play the love of the game. If the owners and managers of the courses we play know the risks they face and treat with appropriate covers, we can all continue to enjoy the game! If you own or operate a golf course, contact your independent agent to ensure that you have appropriate safeguards to maintain your course to the task!
The policy covers described above are in the most general terms and are subject to the exclusions and real political conditions. For specific coverage details and exclusions of the policy, refer to the policy itself or contact an independent insurance agent.
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