Across the country, golf courses are expanding, redesigning holes, and upgrading facilities to meet modern expectations. But while these projects enhance the player experience, they also open the door to new risks that standard coverage might not fully address.
Many agents ask: What insurance do golf clubs need during course construction? T2 Green Insurance enables agents to stand out — by helping them build smart, industry-specific insurance for golf clubs that fits the realities of every stage of construction.
Identifying Course Construction Risks
When a golf club breaks ground, it also breaks routine. What was once a manicured fairway becomes a job site full of contractors, machinery, and potential hazards. Each step introduces exposures that require a different kind of protection:
- Unprotected greens or irrigation systems that could be damaged mid-renovation
- Third-party injury if a vendor, visitor, or member enters an active work area
- Equipment loss or storm damage that can delay project completion
These risks fall into two main categories: liability and property. If a contractor damages a member’s car, it’s a liability issue. If a storm tears through half-finished greens, it’s a property loss. Agents who help their clients address both types of exposures can build smarter, more reliable protection around the club’s assets and operations.
Aligning Insurance Coverage by Project Needs
Construction or renovation work doesn’t fit neatly into a single policy. As the project evolves, so do the risks. Early on, contractor and vendor liability becomes a primary concern. As work continues, property coverage — especially for outdoor areas — takes center stage.
T2 Green’s “Tee to Green” property coverage helps protect outdoor property, playing surfaces, and trees, while including debris removal if a storm or equipment malfunction disrupts progress. Our comprehensive liability offerings — covering members as additional insureds, errant golf ball damage, and umbrella extensions — help agents build layered protection that fits the project’s changing landscape.
Working with T2 Green ensures clubs don’t lose coverage continuity when construction temporarily reshapes the course.
Customizing Liability Protection for Active Sites
Even with fencing and signage, construction zones on a golf course present real-world liability risks. A delivery truck cutting through a parking lot or a guest slipping near an unfinished green can trigger unexpected claims.
T2 Green’s liability solutions are flexible enough to address these overlapping exposures. Agents can tailor coverage for both the club’s operations and temporary conditions caused by construction — covering both day-to-day risks and project-related incidents. That balance helps clubs stay protected without needing multiple carriers or piecemeal add-ons.
Partnering With T2 Green for Expert Guidance
Course renovations and innovative new design features are great for long-term sustainability and member retention. However, they also heighten exposure to property and contractor-related claims.
T2 Green’s underwriting and claims teams specialize in golf operations, not general commercial risks. That means agents gain access to coverages that truly fit the terrain, from playing surfaces and trees to member liability and environmental exposures.
For projects that reshape a course, T2 Green’s guidance helps agents match coverage to the realities of construction and beyond. When agents work with a partner who understands both golf and insurance, they can confidently support clients from the first blueprint to the finished back nine.
About T2 Green Insurance
T2 Green 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.
