Texans Insurance Group

Of all your company's specialized needs, few are more important than an agency that understands each and every one.
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Insurance for Golf Courses

The program for golf courses and clubs is designed around the needs of your business. Important coverages are built in, and you can tailor your protection from a selection of optional coverages. With Texans’s outstanding claims service a phone call away, you can be assured you have chosen the best insurance value available. The exposure bases for golf courses is number of rounds played. Four classes are available: The rates for these classes also include coverage for other selected activities usual to the operation of a golf course. Class inclusions are receipts from pro shops, driving ranges, golf cart/club rental and self-service refreshment stands.
  • Private golf courses/clubs, 9-hole rounds
  • Private golf courses/clubs, 18-hole rounds
  • Municipal or public golf courses, 9-hole rounds
  • Municipal or public golf courses, 18-hole rounds
Key Coverages that can be included in your Golf Course Policy

Property Insurance
  • General Loss—protects your buildings and business personal property from certain losses due to fire, vandalism, theft, windstorm, and other hazards.
  • Lawns Coverage—provides coverage for greens, tees and cut fairways.
  • Golf Course Property—provides coverage for items including foot bridges, retaining walls, fences, underground sprinklers, hole or tee markers, benches, water coolers, ball washers, hole cups and pins, exterior light poles, paved walks and patios.
  • Golf Carts and Grounds Maintenance Equipment— coverage is provided for a covered cause of loss.*
  • Spoilage—provides coverage for perishables such as refrigerated food service stock.*
  • Hole-In-One Coverage—provides coverage of prizes, up to $1,000, when award procedures are established.
  • Business Income and Extra Expense—provides coverage for loss of earnings and/or extra expenses after a covered loss
  • Accounts Receivable—provides coverage for amounts due from your customers that you are unable to collect because of loss or damage to records.
  • Valuable Papers or Records—provides coverage for loss of documents, manuscripts and records, including data media, caused by a covered hazard.
  • Forgery or Alteration—provides coverage for losses involving forgery or alteration of checks, drafts, and other covered instruments.*
  • Outdoor Signs—provides for damage to your outdoor sign caused by a covered hazard.*
  • Sewer or Drain Backup—provides coverage for damage caused by water that backs up from a sewer, drain, or sump.
Liability Insurance
  • General Liability—provides coverage for damages legally owed to others as a result of your business operations. Limits of liability are available to cover claims of the following:
    • Bodily injury
    • Property damage
    • Personal and advertising injury
  • Professional Liability—coverage provided for bodily injury or property damage caused by the rendering or failure to render professional services as a golf instructor.
  • Limited Pollution Liability—limited coverage for operations usual to a golf course.
  • Additional Insureds—includes coverage for your golf pro, golf cart users, club members, and volunteers.
  • Vehicle Damage—provides coverage per vehicle for damage caused by golf course patrons’ golf balls.
  • Tenants’ Property Damage Liability—provides for property damage, for which you are legally liable, to premises rented to you. Equipment Breakdown—covers damages related to certain equipment failure which is often not covered by warrantees or property policies.
  • Liquor Liability
    Coverage may be provided for Liquor Liability. Availability varies by state; contact us for more details.
Value for Your Insurance Dollar

Texans offers quality protection that represents a great value. This includes: Quality coverage—designed with your company’s needs in mind
  • A broad range of property and liability coverages designed to protect businesses like yours
  • Options to tailor your coverage and add higher limits that reflect the unique insurance needs of your business
Consider These Options for Additional Protection
  • Catastrophe Liability—to help protect your business from the kind of lawsuits that can devastate a company
  • Equipment Breakdown—covers your equipment for loss due to certain damage which is often not covered by property insurance, warrantees or maintenance contracts
  • Commercial Auto—if your business has vehicles, we can insure them properly
  • Workers’ Compensation—coverage available in those states without mandatory plans
Copyright © 2006-2007 Texans Insurance Group. All Rights Reserved. Phone: 800.707.6677