When unexpected damage strikes — a storm ripping through greens, vandalism to fairways, or an irrigation breakdown — golf course owners face steep repair bills and operational headaches. Agents familiar with tee to green insurance can show how it provides comprehensive protection — reducing repair costs, protecting revenue, and giving clients peace of mind.
The Costly Reality of Golf Course Repairs
Golf courses face unique vulnerabilities. Greens, fairways, bunkers, and irrigation systems all bear the brunt of weather, pests, vandalism, and wear. Any of these events can result in six‑figure repair bills and revenue lost if a course needs to close temporarily.
Renovations alone have become dramatically pricier. Projects that used to cost $4 million now commonly run $10 million to $20 million.
These figures underline the financial peril courses face without protection. Many course operators assume their general property policy covers these exposures, but gaps often exist when it comes to playing surfaces, trees, and irrigation.
What Is Tee to Green Insurance?
Tee to green insurance provides comprehensive coverage for outdoor property, playing surfaces, trees, and debris removal — far beyond standard property insurance. It’s designed specifically for golf course exposures, protecting everything from fairways to tree-lined vistas.
This coverage doesn’t just protect against day-to-day damage. It also plays a vital role during renovations and expansions.
As courses invest in upgrades to stay competitive, this specialized coverage helps safeguard outdoor property, greens, and infrastructure throughout construction. It protects high-cost projects from risks such as heavy machinery damage or severe weather, helping operators build with confidence and avoid costly interruptions.
How Much Can Tee to Green Reduce Repair Costs?
Golf course repairs can be costly. Damage to greens, fairways, and irrigation systems often carries high price tags that strain operating budgets.
As the TPF Golf guide on building a golf course explains:
- From piping and installation costs to technology for central irrigation control, irrigation systems for 18 holes are complex. Depending on the course size and the extent of damage, total costs for building an irrigation system and infrastructure can reach $1 million or more.
- Subsurface drainage typically runs $30,000 to $40,000 per hole.
- Greens installation is $8 to $12 per square foot, so a 6,000-square-foot green is roughly $48,000 to $72,000.
When unexpected events strike — a hailstorm that destroys greens, flooding that washes out fairways, or an irrigation breakdown that halts play — tee to green coverage may cover regrassing, debris removal, and restoration. That protection helps avoid large out-of-pocket costs and limits downtime.
Premiums vary by location, course size, and risk profile, but the ability to offset major repair costs while protecting revenue makes tee to green coverage an essential safeguard for golf course operators.
Why Agents Should Recommend Tee to Green Coverage
When you recommend tee to green insurance, you set yourself apart as a specialist in a niche market. Clients see you as proactive, knowledgeable, and genuinely invested in their success. That credibility helps you retain accounts and stand out in a competitive field.
Try these talking points for your client conversations:
- Golf courses face costly risks from severe weather, flooding, and erosion.
- Turf diseases, pest damage, and irrigation failures can devastate playing conditions.
- Vandalism or damage to greens and fairways can disrupt operations and revenue.
- Specialty coverage helps protect not only the course but also long-term business stability.
Contact T2Green to explore tailored coverage options that help your clients reduce risk and keep their courses thriving.
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.
