Insurance for golf tournaments

Charities, companies, and alumni groups all rent tournament days. The applicant should be the group that signed the outing agreement and that will be responsible if a guest is hurt because of the way the event was run. The club may still require that it be named as an additional insured. Send the exact legal name from the agreement.

If a professional at the club is running the day under the club's event, you may be a sponsor rather than the insured. Say so. Buying a second policy in the wrong name does not fix a contract that names someone else.

Volunteers at a registration table, a beverage cart you staff, and a scoring tent are part of your event even when club employees drive the refreshment cart the club owns. Describe the split.

Give the number of players and whether spectators are invited to a dinner or only to the course. Carts are usually the club's equipment, operated under the club's rules. Still mention whether every group has a cart and whether the event includes a night round or a scramble format that changes pace of play. Unusual formats are worth a sentence.

Alcohol on the course is common and should not be omitted. Say whether the club sells it and keeps the proceeds or whether your committee does. That distinction shows up in liquor questions. Coverage options may include liquor-related terms when they apply, and may treat a club-operated bar as the club's activity.

A clinic, a long-drive exhibition, or a skills contest beside the tournament is an extra activity. Name it. If it includes a prize, look at the prize guide as well as this one.

Raffle boards, silent auctions, and a single insured hole are different promotions. A donated set of clubs for closest to the pin may be small enough to fund yourself. A vehicle for a hole in one should not be advertised until you know how the prize would be paid. The charity hole in one guide on this site walks through contest rules.

Live and silent auctions of donated goods are part of many dinners. Mention the dinner and the auction. They do not usually dominate the quote, but the room rental and the bar might. If the dinner is at the club the same evening, include it in the hours.

Sponsorship banners do not make every sponsor an insured. If a sponsor contract asks for additional-insured status, pass that request along. Do not promise it in the sponsor deck until the quote allows it.

Lightning procedures belong to the club and to common sense. Insurance does not tell you when to sound the horn. If a shortened round would force you to refund entries or lose a catering minimum, that is a cancellation or weather conversation. Weather coverage must be purchased at least 7 days before the event. A forecast the morning of the round is too late for that option.

Tell us the entry fee only so we understand ticket revenue. This page does not publish a premium. A written quote usually follows within a few hours on business days and can change if the field size changes.

Liability for the outing, a certificate for the club, and a prize on one hole can be discussed together and still be different parts of the placement. Read the quote in pieces so a prize term is not mistaken for the certificate, or the other way around.