Do country clubs need earthquake insurance? For many clubs in high-risk seismic areas, the answer is yes. Earthquake exposure can pose substantial financial and operational threats to facilities from the clubhouse to turf irrigation and garages.
Agents who help clients build a comprehensive country club insurance program can set themselves apart by proactively addressing this exposure, especially in regions where tremors are more likely. The proper protection goes beyond general liability and property coverage to include specific policies such as earthquake insurance and golf course liability insurance, all within a tailored package from T2 Green.
Why Earthquake Insurance Matters for Country Clubs
Country clubs are more than greens and fairways. They include high-value buildings such as clubhouses, member lounges, pro shops, maintenance facilities, and sometimes guest accommodations. An earthquake can damage foundations, roofs, interior systems, and critical equipment.
Beyond structural losses, operational disruption can lead to significant income loss if play and services are halted. Standard property policies often exclude earthquake damage, leaving a club without this coverage to face tens of thousands of dollars in out-of-pocket costs. Solutions offered through a specialized country club insurance program help fill that gap.
What Earthquake Insurance Covers
Earthquake insurance is designed to protect tangible assets and certain losses caused by seismic events. Coverage commonly includes:
- Structural damage to buildings and permanent fixtures caused by shaking or ground rupture
- Equipment loss for machinery and tools essential to daily operations
- Debris removal when parts of the property are destroyed or destabilized
- Business interruption to offset lost income while repairs are underway
Agents should also note what it typically does not cover. Cosmetic damage, normal wear and tear, and losses to items or exposures not listed in the policy are often excluded from earthquake coverage. Because of these exclusions, earthquake insurance works best when paired with broader property and liability protections found in T2 Green’s key coverages.
Protect Clubs in High-Risk Regions
Seismic hazard maps from the U.S. Geological Survey show that nearly three-quarters of the United States could experience damaging earthquake shaking. California, Oregon, Washington, Alaska, and Hawaii are known for elevated activity, with Southern California facing some of the highest potential losses due to its dense fault network.
Even in inland regions such as the Midwest’s New Madrid Seismic Zone, earthquake risk extends well beyond the West Coast. Agents should evaluate their clients’ geographic exposure and discuss how earthquake insurance fits into the larger protection strategy.
Help Your Clients Build a Resilient Coverage Program
Earthquake insurance adds vital protection to a country club insurance program by covering a potentially catastrophic and often overlooked risk. As an insurance agent, educating club owners about seismic exposure — and packaging earthquake coverage alongside offerings such as golf course liability insurance — can strengthen client relationships and improve coverage outcomes. For help building an earthquake-inclusive package, contact T2 Green today.
Earthquake Insurance FAQ
Do most standard property policies include earthquake damage?
No. Most base property policies explicitly exclude earthquake losses, which makes targeted earthquake insurance necessary for complete protection.
Can earthquake insurance cover business interruption?
Yes. Many earthquake policies include business interruption coverage, which helps replace lost income when a club cannot operate after seismic damage.
Where is earthquake insurance most important?
Locations along major fault zones like California, the Pacific Northwest’s Cascadia region, and the central U.S. face elevated risk and should be prioritized for this coverage.
About T2 Green Insurance
T2Green Insurance provides comprehensive insurance tailored 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.
