Golf may appear leisurely, but the risks on and off the course are serious. Between 2011 and 2020, over 70,000 golf-related injuries sent players to U.S. emergency centers. Golf cart accidents accounted for nearly 45% of those injuries, followed by trips, falls, and swing-related mishaps. Add in the risk of stray balls striking players or guests, plus sun and heat exposure during long rounds, and it’s clear the game carries far more liability than most expect.
For golf clubs, these risks affect not only the facility but also their members — making golf course insurance an essential safeguard. As an insurance agent, your guidance shapes how well a club can protect its people and its reputation. One often-overlooked feature — covering members as additional insureds — can reduce liability exposure for everyone involved.
Why Members Face Liability Risks
Club members are deeply involved in the day-to-day activities that make a golf club thrive, but that involvement comes with liability exposure. A misdirected shot can injure another golfer or damage property. A cart collision during a tournament can cause bodily injury. Even volunteering at a club-sanctioned charity event carries risks.
Golf carts, in particular, pose a significant threat. Without proper coverage, a single incident could leave a member facing personal lawsuits, strained relationships within the club, and costly legal battles implicating the club itself.
What It Means To Be an Additional Insured
An “additional insured” is someone added to a liability policy — in this case, a club member — who gains legal protection for covered incidents. When members are named as additional insureds, they’re protected from personal liability for accidents that occur during club-sanctioned activities. If a golfer unintentionally injures a guest on the course, the policy responds on their behalf. This step shields members and simplifies the claims process, reducing friction between members and management.
Unique Coverage Advantage With T2 Green
Not all policies extend this level of protection. T2 Green’s liability package automatically includes members as additional insureds, along with other niche protections like errant golf ball coverage and volunteer liability. We focus exclusively on golf courses, country clubs, and resorts, ensuring tailored solutions that generic insurers simply can’t match.
Our nationwide reach — including underserved markets — means every club can access coverage designed specifically for its unique risks. Specialized protection like this not only reduces liability but also helps safeguard members and guests.
Real‑World Scenarios That Show Value
Here are a few scenarios illustrating how this coverage protects both clubs and members:
- A member tees off during a crowded tournament and accidentally strikes a spectator. Instead of facing a personal lawsuit, the club’s liability policy covers medical and legal costs.
- During a volunteer-led junior golf clinic, a member slips while helping set up equipment. T2 Green’s coverage steps in, avoiding gaps left by standard policies.
- A guest on the driving range is hit by a ricocheting ball. Both the club and the member responsible are protected under the same policy, preventing internal conflicts.
By including members as additional insureds, T2 Green helps clubs avoid internal disputes, reduce litigation risk, and strengthen the trust between members and management.
Help Clients Play With Confidence
When recommending policies to golf clubs, don’t let member protection be an afterthought. Including members as additional insureds enhances safety, simplifies claims, and builds stronger relationships within the club. Backed by T2 Green’s specialized expertise, you can offer golf course insurance coverage that goes beyond the basics — delivering true peace of mind for your clients.
Want to give your clients a competitive edge in protection and member satisfaction? Partner with T2 Green and offer coverage designed specifically for the golf industry.
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.
