Golf Courses

This program provides complete protection for all exposures to your golf course facilities.

Liability Highlights

  • Professional Liability for Golf Instructors – covers bodily injury or property damage caused by rendering or failing to render professional services as a golf instructor.
  • All golf professionals and staff including employees and volunteers are considered additional insureds.
  • Liability Coverage Up to $100,000,000.00.
  • Directors & Officers Coverage available on request.
  • No sub-limit on Liquor Liability.
  • Non-Owned Auto Liability included.
  • Non Owned Auto Property Damage subject to $500.00 Deductible.
  • Personal Injury Coverage Included.
  • Intentional Injury to protect persons included.
  • Cross Liability Clause included.
  • Legal Liability for members & guests property not held for club storage.
  • Legal Liability for members & guests property held for club storage.
  • Voluntary Compensation Benefits.
  • Forest Fire Fighting Expense.
  • Limited Pollution.
  • $1,000,000 Employers Liability Coverage included with CGL (Ontario).

Property Highlights

Peak Season Increase-Pro Shop only 25%, subject to $150,000 maximum
Exterior Sign $10,000
Fire Department Service Charges $25,000
Fire Equipment Recharge $25,000
Valuable Papers and Records $25,000
Fine Arts $25,000
Extra Expense (100% payable 1st month) $50,000
Profits (18 month POI) $100,000
Accounts Receivables $50,000
Professional Fees (excl Public Adjusters) $25,000
Money and Securities $2,500
Arson Award $10,000
Land/Water Pollution Clean-Up $50,000
Waste Removal $25,000
Lock n’ Key $10,000
Exhibitions $25,000
Temporary Locations $25,000
Personal Effects of Officers/Employees $1,000/person; $25,000 max per event
By-Laws 15% of building value
Consequential Loss Assumption includingoff premises power caused by an Insured peril $25,000
Parcel Post $5,000
Transit $10,000
Sales Representative $5,000
Newly Acquired Proeprty – Building $1,000,000 / 60 day reporting
Newly Acquired Property – Contents $250,000 / 60 day reporting
Tee, Greens and Fairways $35,000/hole; $200,000 maximum
Debris Removal Included
Glass Included
Inflation Protection Included
Landscape (shrubs/plants/trees) $1,000/item; $10,000 maximum
Rented Motorized Golf Carts, Greenskeeping Equipment & Equipment $100,000 per occurrence for a period not exceeding Thirty (30) consecutive days
Building damage by theft $3,000
Force Course Closure 5 weeks/$5000 per week/ $25,000 Aggregate

Claims Information

SRIM prides itself on having been recognized as a firm with top quality claims services. We are not afraid to utilize the services of Independent Adjusters. We work directly with the insureds to resolve outstanding claims issues fast.

SRIM maintains “inhouse” claims authority that is sufficient to resolve over 95% of all outstanding claims. The claims authority allows us to issue settlement cheques within 24 hours of resolving the claim.

SRIM allows adjusters to report electronically to “speed” up the claims process and assist in claims resolved “fast”.

We allow the adjusters to negotiate “FAIR” labour rates with Insured when the Insured does clean up and repairs.

We have long standing relationships with Vendors which assists in quick resolution of claims.



For information on any of our products submit an online information request.