Verlingue provides specialist insurance and risk management solutions for golf clubs, courses and event venues across the UK. From clubhouses and grounds to members, events and day-to-day operations, golf clubs face a range of evolving risks and responsibilities. Our tailored insurance programmes are designed to protect your assets, support operational resilience and help your club achieve its long-term objectives.
Clubs must also manage ongoing operational and liability exposures. Handling sensitive member and financial data brings cyber security considerations, while incidents on the course - including accidents and stray golf balls - can lead to claims.
Expertise on hospitality
We understand the unique risks hospitality businesses and golf clubs face and offer tailored insurance to help protect against disruption.
Dedicated support
With a dedicated adviser and expert claims support, your golf club is protected and, when needed, restored efficiently to minimise disruption for your operations and members.
Trusted service
Our Investor in Customers Gold award, held since 2018, reflects our commitment to delivering an exceptional client experience.
Our approach
No two golf clubs are the same, which is why our approach to golf club insurance and risk management is always tailored. We work closely with you to understand your club’s operations, facilities and key people, acting as an extension of your team to build a clear picture of your risk profile.
Our relationship-led, risk-focused approach helps identify the key risks affecting golf clubs and ensures we deliver expert, tailored insurance and risk management solutions. As your club evolves, we provide ongoing advice and support to help you stay protected.
Loss or damage to club house facilities
Loss or damage to the course
Rising inflationary costs & potential underinsurance
Fire risks associated with Lithium-Ion Batteries
Cyber security from storing financial & personal data
Accidents on the golf course
Stray golf balls
Keeping up to speed with legislation
Insurance solutions for golf clubs
Insurance solutions for Golf Clubs include:
Buildings (options for desk top valuations)
Loss of Revenue
Fine Art and Trophies
Buggies
Guest Effects (Members Clubs and trolleys)
Damage to greens and tees
Member to member liability
Terrorism and lone wolf attacks
Cyber incidents for loss of data or Phishing attacks
Loss of major event (Captains Day)
Hired in plant (hire of key equipment during the year)
Risk Management & Claim Defensibility advice
People & risk strategy
We take a holistic approach to protecting your golf club, combining risk management and employee benefits to support both your operations and your people. Our additional services are designed to strengthen resilience, safeguard your assets, and support long-term success.
Looking after your people
We support your people as a key part of your overall risk strategy. By advising on employee benefits solutions, we help you attract, retain and protect your workforce, ensuring your club remains resilient, well-supported and prepared for change.
Risk management
We help you identify, manage and reduce risk across your golf club. From property surveys and business continuity planning to ESG guidance and claims defensibility workshops, our expertise supports better decision-making and long-term protection.
Our specialist
John O'Hara, Director Hospitality & Corporate
As a director of Corporate Insurance specialising in hopistality sector, John has over 20 years of experience working with many leading hospitality businesses, including UK golf clubs, helping them to identify, manage and mitigate risks across their business.
What is golf club insurance?
Golf club insurance is a tailored insurance and risk management solution designed to protect golf clubs against the wide range of risks they face. This can include cover for property damage, liability claims, business interruption and other operational risks, helping to keep your club running smoothly.
It goes beyond standard insurance by addressing the specific needs of golf clubs, from protecting facilities and equipment to supporting staff, members and visitors - ensuring a golf club or events venue is financially secure and resilient against unexpected events.
How can golf clubs reduce claims and improve insurance terms?
We believe in preventing incidents before they occur – which may help reduce claims and support positive outcomes.
Our services include:
Claims Defensibility Workshops
Verlingue Health and Safety Audit – a robust gap analysis tool supporting Employers’ and Public Liability risk
Presentation of a claims defensibility awareness session to your management and supervisory teams
What insurance covers help golf clubs maintain business continuity?
To maintain business continuity, golf clubs should consider cover such as business interruption insurance, which protects against lost income following events like fire or storm damage. Additional cover can include all-risks insurance for equipment used away from the premises, public liability insurance for third-party damage or injury, and specialist options such as terrorism cover. Together, these protections help ensure your club can continue operating and recover quickly after a loss.
How can golf clubs achieve ESG accreditation and improve sustainability?
What optional covers should a golf club insurance programme include?
In addition to core property and liability cover, golf clubs should consider a range of optional covers to address their specific risks. These may include cyber liability insurance to protect against data breaches, vehicle fleet insurance for course machinery and vehicles, and directors’ and officers’ liability insurance for management decisions.
Additional protections such as event cancellation insurance, engineering and inspection insurance, and property owners’ cover can help safeguard facilities and revenue, while personal accident insurance provides support for staff and members. We work with you to recommend the right combination of covers to ensure your golf club is fully protected.
Should golf clubs integrate employee benefits with their insurance and risk management strategy?
Yes. Integrating employee benefits with your insurance and risk management strategy helps golf clubs take a more holistic approach to protecting both their people and their operations. By aligning these areas, you can improve resilience, support staff wellbeing, and ensure continuity of service for members and visitors.
It also plays a key role in attracting and retaining skilled staff, reducing absence, and maintaining high service standards. A joined-up approach creates greater efficiency, strengthens your overall risk strategy, and helps manage long-term costs more effectively.
Cover is subject to underwriting criteria, policy terms, conditions, and exclusions. Not all risks can be covered; we will discuss any limitations relevant to your property.