One quick Google search on “golf course vandalism,” and you’ll find a long list of news stories about golf course crimes. Whether doing donuts on the links in all-terrain vehicles, running golf carts into ponds, or damaging irrigation systems, vandals will seemingly stop at nothing to get their kicks.
These events are becoming more frequent and more costly, with repairs costing tens of thousands of dollars and golf course operators left dealing with the aftermath. This trend raises a critical question for agents: Are your clients protected with the right tee to green coverage? T2 Green Insurance’s program is built specifically to insure these high-value outdoor assets.
Understanding Modern Vandalism Risks for Golf Courses
It’s not uncommon for vandals to aim directly at the most valuable parts of a course. Incidents may involve greens, tee boxes, fairways, bunkers, and everything in between, with damage involving:
- Tire tracks through turf
- Slashed putting surfaces
- Destruction of bunkers
- Broken irrigation systems
- Damaged trees, shrubs, and landscaped areas
Restoring these areas is expensive because repairs demand specialized turf experts, agronomy teams, and sometimes full-surface reconstruction. Rural or lightly monitored courses face added challenges because vandalism that goes unnoticed overnight can lead to secondary damage. For example, there can be ongoing water loss from broken irrigation lines or turf deterioration that becomes more difficult to repair by the time staff discover it hours later.
For agents, understanding how these exposures convert to insurable losses is essential when reviewing tee to green coverage.
What Does Tee to Green Coverage Include?
Tee to green coverage is a golf-specific insurance solution designed to protect outdoor playing surfaces and related property that standard commercial property policies don’t fully address.
This coverage typically includes protection for:
- Greens, tee boxes, fairways, roughs, and bunkers
- Trees, shrubs, turf, and other vegetation
- Cleanup and debris removal following vandalism
Because T2 Green’s program specifically covers golf operations, it reflects the unique repair methods, materials, and valuation needs required to restore surfaces correctly — something generic policies may not account for.
Evaluating Coverage for Today’s Vandalism Trends
As vandalism becomes more complex and damaging, agents must verify that their clients’ coverage limits reflect today’s repair and replacement costs. Key areas to evaluate include:
- Course size and acreage
- Local crime patterns and any history of vandalism
- Turf replacement costs and irrigation system valuations
- Whether recent upgrades or expansions are included in the policy
When advising clients, agents can ask:
- Would current limits cover rebuilding a destroyed green?
- Are upgraded irrigation components fully valued?
- Does the policy include debris removal and cleanup?
- Are minor incidents being reported or overlooked?
- Are there security gaps such as poor lighting, outdated locks, or no cameras?
Strengthening Protection Against Vandalism
Vandalism-related losses can disrupt operations, impact member experience, and strain club budgets. Tee to green coverage is essential for a swift and financially manageable recovery.
Agents can provide meaningful guidance by reviewing limits, identifying on-course vulnerabilities, and aligning coverage with real-world risks. Partnering with T2 Green ensures clients receive golf-specific underwriting and support, helping protect every hole from tee to green.
For help evaluating tee to green coverage or updating a client’s protection strategy, connect with T2 Green Insurance today.
About T2 Green Insurance
T2Green Insurance provides comprehensive insurance customized to your club, resort, or golf management company, backed by industry professionals who focus solely on this class. We offer innovative products, underwriting expertise, and exceptional results so your insurance needs are covered with confidence. Reach us at 844-223-9005 to begin tailoring a package that works best for your club.
