Country Club Insurance in Harrisonburg, VA

Running a country club involves a distinct mix of responsibilities, including maintaining sprawling grounds and aquatic facilities while also often hosting private dining, golf tournaments and other events. Standard commercial policies may fall short of covering these many exposures, necessitating a tailored country club insurance package that addresses the full scope of your operations.

What Country Club Insurance Covers

A comprehensive program typically draws from several policy types, combined to match your club’s specific activities and assets:

• General liability insurance can financially protect against third-party bodily injury, property damage or personal and advertising injury, such as if a member is injured while using the club’s facilities.
• Commercial property insurance can cover clubhouses, golf course structures, equipment, furniture and landscaping against many common perils, such as fire, hail, theft and vandalism.
• Liquor liability insurance is essential for clubs that operate a bar or serve alcohol at events, as you might otherwise be responsible for injuries and property damage caused by intoxicated guests.
• Workers’ compensation insurance is required for most clubs with employees, including restaurant staff, grounds crew and maintenance workers. It can cover losses and expenses if they’re injured on the job or develop a work-related illness.
• Commercial auto insurance is typically required if your club operates vans, trucks and other vehicles.
• Special event insurance may be essential when hosting galas, parties, conferences and other gatherings, as it can help pay for cancellation and rescheduling fees, as well as guest and vendor liability claims.
• Employment practices liability insurance can assist with legal costs and damages if a current, former or prospective employee accuses your club of discrimination, wrongful termination, harassment or other improper workplace conduct.
• Commercial umbrella insurance can provide additional coverage for particularly costly liability claims that may exceed the limits of other policies, such as general liability, workers’ compensation and commercial auto.

Protecting Your Club’s Future

The right coverage can keep your club financially stable when the unexpected happens, potentially covering members, staff and the institution you’ve built. Contact HIS Insurance & Services to review your current coverage or acquire new policies tailored to your country club’s needs.