Golf clubs are more than fairways and flagsticks — they’re living, breathing sanctuaries of turf, trees, landscaping, and intricate outdoor assets. That’s why tee to green insurance is critical for protecting high-value components from weather, disease, and wear. As an insurance agent, you have the opportunity to connect clubs to this specialized coverage that goes far beyond what standard property policies provide.
Understanding High-Maintenance Features
Course elements like greens, tee boxes, bunkers, ponds, and ornamental trees demand constant upkeep — and they’re vulnerable to everything from heavy rains to pest outbreaks. These assets are the backbone of the playing experience, yet they require significant investment in time and resources.
Without the right protection, a single storm or drought could cause damage that costs tens of thousands to repair. Agents who understand key golf course operations and improvement strategies can better illustrate how valuable these assets are and why they need specialized coverage.
Where Standard Policies Fall Short
Most general property policies aren’t designed to protect golf courses. They may exclude outdoor playing surfaces or undervalue landscaping elements like trees.
For example, a club could face severe damage to its greens after a storm, only to learn that its standard policy doesn’t cover those surfaces. Without the right insurance, clubs pay out of pocket for expensive repairs.
What Tee to Green Insurance Covers
Tee to green insurance fills those coverage gaps. It includes outdoor property, playing surfaces — both coastal and inland — trees, and debris removal. It’s designed specifically for golf courses, covering areas that general policies often overlook. From a windstorm that scatters tree debris across fairways to flood damage that impacts greens, this tailored coverage helps clubs recover quickly and maintain their course quality.
Tailoring Coverage With T2 Green
Every golf course faces different risks based on location and design. Some sit near coastlines vulnerable to hurricanes, while others face wildfire or drought conditions. Agents can work with T2 Green to create coverage that matches each club’s specific exposure.
When discussing risk management with clubs in fire-prone areas, consider that this year alone, human activity has sparked nearly 40,000 wildfires. With T2 Green, policies are designed to address these unique challenges, and claims handling is streamlined to minimize downtime after a loss.
Why Agents Should Lead This Conversation
Agents who understand what golf insurance really entails — and its limitations — can provide far more value to their clients. Explaining why general policies don’t fully protect golf-specific assets positions you as a trusted advisor. Offering tee to green insurance shows clubs that you recognize their specialized needs and have access to solutions designed for their industry — not just generic commercial coverage.
Protecting Courses From Turf to Trees
From tee boxes to playing greens, tee to green insurance safeguards a course’s most exposed and valuable features. It allows clubs to focus on their members and the game rather than worrying about costly gaps in protection.
Now is the time to ask your golf clients: “How would your course handle damage to its most important outdoor features after a severe storm?” Opening that conversation helps clubs see the need for this coverage — and positions you as the agent who can deliver it.
About T2 Green Insurance
T2Green Insurance provides comprehensive insurance that is customized to your club, resort, or golf management company, from industry professionals whose sole focus is insuring this class. We are dedicated to providing you with innovative products, underwriting expertise, and exceptional results so that your insurance needs are covered with confidence. Reach us at 844‑223‑9005 with any questions or so we can begin tailoring a package that works best for your club.
