Golf tourism is projected to surpass $41 billion globally by 2030, according to Grand View Research. As more golfers travel for leisure, business events, and destination tournaments, clubs and resorts can expect to see higher guest traffic and more mixed experience levels on the course.
This increased activity brings higher accident potential — from golf cart collisions to errant ball injuries — which makes golf accident insurance an important coverage discussion for agents. T2 Green’s accident-related coverages help clubs and resorts manage these evolving exposures.
How Golf Tourism Expands Risk Exposure
More visitors mean more players who are unfamiliar with the course layout, equipment, or general safety expectations. Subsequently, the chance of injuries and guest-related incidents naturally increases.
Accidents involving errant golf balls, golf carts, or property damage may rise during peak seasons or large gatherings. A destination resort hosting a charity tournament, for example, may experience a surge in inexperienced players, which can increase both injury risk and third-party claims.
For agents, this trend underscores the need to reassess how seasonal spikes and event-driven tourism affect a client’s risk profile. Golf accident insurance provides additional protection against unforeseen guest-related incidents that may occur during periods of increased traffic.
Coverages That Strengthen Client Protection
Golf accident insurance commonly includes medical payments, member and guest liability, and protection for incidents involving errant golf balls. These coverages complement a club’s broader liability program, especially in hospitality-heavy environments.
Agents should review existing general liability policies to address high-volume guest exposure and traveling events. Because T2 Green specializes in this class, agents can structure coverage for destination resorts, management companies, and multi-course operations with a clear understanding of the risks involved.
Why Agents Should Revisit Accident Coverage Now
Golf tourism continues to grow as travel and events return to pre-pandemic levels. It’s an ideal time for agents to review accident coverage limits, identify outdated exclusions, and ensure guest-injury protections line up with current exposure.
Accident coverage also shows that a club is committed to maintaining high safety standards. It helps reassure members and guests that the organization prioritizes strong risk management.
At T2 Green, we provide agents with underwriting guidance and claims coordination, enabling clients to receive knowledgeable support when accidents occur.
Helping Clients Stay Protected as Golf Tourism Grows
Higher guest volume creates operational pressure, making accident coverage an essential part of annual policy reviews. Working with a specialized MGA allows agents to match coverage to real-world exposures and maintain competitive pricing.
Key action items for agents include:
- Review accident and liability coverages before tournament season.
- Evaluate protections for members and guests on and off the course.
- Confirm that claims-handling procedures are updated and clearly communicated.
For more insights on strengthening your clients’ golf accident insurance programs, contact us today.
About T2 Green Insurance
T2Green Insurance provides comprehensive insurance tailored to clubs, resorts, and golf management companies. Our team focuses solely on this class and offers innovative products, underwriting expertise, and responsive support. Contact us at 844-223-9005 to discuss a coverage package that fits your clients’ needs.
