how much does insurance cost for a miniature golf course

Average costs of these types of insurance

Types of insurance	Price range
Equipment insurance	$360 – $1465
General liability insurance	$640 – $1205
Commercial vehicle insurance	$1970 – $2630
Commercial insurance	$1075 – $2580

Apr 26 2022

Full Answer

How much does it cost to start a mini golf course?

On average, startup costs for developing a mini-golf course run about $150,000-$250,000. For larger courses, startup costs may run up to $500,000. The biggest variable in start-up costs is the price of the land, which can differ drastically depending on the state.

What kind of insurance do I need for a golf course?

Though it is one of the most basic forms of insurance that a business can have, commercial general liability insurance is one of the most important types of insurance coverage that you should have as the owner of a golf course and/or country club.

What industry group are miniature golf courses in?

Miniature golf courses and golf driving ranges are classified in Industry 7999. Division I: Services | Major Group 79: Amusement And Recreation Services | Industry Group 799: Miscellaneous Amusement And Recreation

How much does it cost to insure a golf cart with Hoa?

In many golf communities, the HOA requires golf cart owners purchase specific insurance for golf carts and name the HOA as an additional insured. Peyton says that his firm sells a golf cart insurance policy for $50 per year and adds an HOA as an additional insured at no additional cost.

How do you make a putt putt course?

Miniature Golf (Putt Putt) CourseStep 1: Materials. Purchase or scrounge the material. ... Step 2: Build the Bases. Build 4 by 8 rectangles with pressure treated 2x4s. ... Step 3: Create Bases for the Courses. ... Step 4: Mount Rectangular Bases Onto the 4x4 Foundation. ... Step 5: Put on the Carpet. ... Step 6: Finishing Touches. ... 4 Comments.

What advantages are there to having a miniature golf course?

Mini golf can help children develop hand-eye coordination, balance, improve math skills, problem-solving skills, focus, and decision-making skills.

Can you get golf insurance in the US?

In general golf insurance will cover you for: Golf equipment – Repairing or replacing damaged or stolen golf gear. Public / Third Party liability – Any damage you cause to someone or someone else's property while you are playing golf.

How many calories do you burn playing miniature golf?

Miniature golf offers cardiovascular exercise - you can burn around 300 calories during a game of mini golf. Adults, seniors and especially children may not need to burn calories for weight loss - but everyone benefits from burning off energy to better enjoy times of quiet.

Do kids enjoy mini golf?

Perfect for all ages, our fun activities are great fun for everyone. Whether you're celebrating your 5th or 85th birthday, looking for a team-building exercise, going on a date or looking for a fun way to learn, our courses and adventures are sure to be a success.

Should you get golf insurance?

Golf insurance FAQs Do you need golf insurance? You do not legally need insurance to play golf, but it can cover the cost of damage to your equipment or any damage you cause to others' property while playing.

Do you need golf insurance to play golf?

Golf insurance doesn't just cover the bad times Tales of injuries and loss of clubs aside, golf insurance doesn't always have to come into play when something goes wrong. Many policies provide Hole In One Cover as standard.

What is golf hole in one insurance?

Hole in one insurance (also referred to as prize indemnity insurance) is a type of insurance policy which is designed to cover golf tournament sponsors offering prizes to any golfer who can score a hole in one on the golf course.

What is the insurance for mini golf?

If you own your building, commercial property insurance protects your business equipment, tools, furniture, and other supplies in the event of a fire or other disaster. This coverage helps replace damaged property so you can reopen as soon as possible.

What is general liability insurance?

About General Liability Insurance. All businesses, regardless of industry, face risks that should be covered by insurance. The most common and comprehensive type of policy business owners invest in is general liability insurance (or CGL). Some of the risks CGL insurance covers are: Bodily injury. Property damage. Medical payments.

What is a business owner's policy?

A typical business owner's policy includes general liability, business interruption, and property insurance. However, BOPs are often customizable, so your agent may recommend adding professional liability, commercial auto, or other types of coverage to your package depending on your company's needs.

Do mini golf courses need insurance?

Types Of Coverage Some Mini Golf Courses May Need . In addition to the policies outlined above, there are a few other types of coverage your mini-golf course may require depending on certain aspects of your operations. Some of these might not apply to you, so be sure to ask your agent which policies are right for your business.

Does general liability insurance cover delivery drivers?

Your general liability policy would pay for your legal defense and any settlements awarded to the delivery driver. Of course, this is not an exhaustive list of perils a general liability insurance policy will cover, and some conditions may result in a particular peril not being covered.

Does insurance protect your business?

Although it’s easy (and essential) to invest in business insurance, it should not be your frontline defense. Yes, insurance will compensate for your business’ financial losses after an incident occurs, but it’s much better to avoid losses altogether.

Workers Compensation

Workers Compensation coverage is a requirement in most states if you have employees. It provides coverage for bodily injury, medical bills, loss of income, death for all employees, full time or part time. Download Workers Comp Application

Indoor Inflatables

If you have an Indoor Inflatable Center inside of your fun center you will need to fill out this supplemental application.

Ropes Course

If you have Rope Courses in your FEC you will need to fill out this supplemental application.

Go-Kart

For Go-Karts tracks at your center you will need to fill out this supplemental application.

Commercial Auto

Your personal auto policy has an exclusion for business use so you will have no coverage under your current auto insurance policy. A commercial auto policy will cover you for both business use and personal use.

Cyber Liability Coverage

Cyber Liability coverage is ecspecially important if you process credit cards or obtain personal information from customers.

Available Coverages

Covers equipment breakdown, business income with extra expense, and ordinance of law. Special form/replacement cost policies, agreed value options, and comprehensive property extension endorsement available. Flood and quake sub limits available in select regions.

About ESP Specialty

and managing insurance product lines for A+ rated carriers for over 10 years.

What is mini golf?

Miniature golf, also known as mini-golf, midget golf and Putt-Putt, is an offshoot of the sport of golf which concentrates solely on the putting aspect of the regular game. It is played on courses of usually nine holes similar to regular golf, but distinguished by their short length between holes and the use of artificial putting surfaces such as carpet, Astroturf and concrete. Miniature golf frequently has a geometric layout that may require non-traditional putting lines such as bank shots and artificial obstacles such as tunnels, tubes, ramps, concrete, metal, fiberglass forms and moving impediments such as windmills. There are many miniature golf courses and businesses throughout the nation. Although accidents and injuries are extremely rare and uncommon, they still occur from time to time. In the rare instance that someone is injured, you are definitely going to want to be covered with the best miniature golf insurance in the industry – Westpoint Insurance!

What is Westpoint Sports Insurance?

As a family-owned and operated sports insurance agency that provides insurance coverage in all 50 states, Westpoint Insurance possesses over three decades of experience in the sports insurance industry! Over the years, we have been making certain that our miniature golf clients receive the finest insurance policies that don’t just meet their expectations, but actually exceed them! Additionally, Westpoint Insurance is well-known for delivering our miniature golf insurance at a reasonable price. Most injuries that occur while engaging in miniature golf involve tripping over a piece of equipment on the miniature golf course or possibly being struck by a careless person swinging a club. As with any leisure activity, it is extremely important that participants use common sense, stick with the rules of the game for the course, and exercise caution. Lastly, you will want to assure that everyone associated with your miniature golf club or business is covered by Westpoint Insurance.

Does Westpoint Insurance cover mini golf?

Whatever you do, don’t run the risk of injuries without the protection of a miniature golf policy from Westpoint Insurance. Individuals who are involved in the sport of miniature golf should realize that injuries involving players, course owners, volunteers and coaches can occur while a miniature golf game is in progress or your group or team hosts or travels to a tournament. An injury could very well be in the form of food poisoning while traveling to a playoff in another community. This is the reason you are going to want to invest in an all-inclusive and comprehensive insurance plan from Westpoint Insurance since injuries are not always caused by the sport. Our insurance company is recognized for tailoring insurance policies specifically for our miniature golf family for an affordable price. Not only do our policies include protection for miniature golf, but it also provides coverage for owners, directors, instructors, employees and players against any claims of bodily injury, property damage and any litigation costs to defend against such claims. If you find your group needs customized miniature golf insurance, it’s time to pick up the phone and call Westpoint Insurance today, at: (800) 318-7709.

Golf Course Liability Insurance

Golf course liability insurance coverage protects your business against third-party claims due to damages. Cases of personal injury, property damage, unintentional bodily injury, or advertising injury to third parties can result in claims against your business.

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Golf Course Insurance Cost

The average golf course insurance cost is about $273 per month, or $3,276 a year. However, the cost varies from one golf course to another, making it hard to estimate accurately. Depending on the size of your golf course, you should budget for around $500 monthly and a few thousand dollars per year.

Best Golf Course Insurance Companies

So, you have seen the importance of golf course insurance and decided to purchase one for your golf course business; however, which insurance company should you work with? This is a challenging question that most golf course owners want to know the answer to. There are many insurance companies offering golf insurance, but not all are good for you.

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Recent Reviews

Very unprofessional. Raised my premium without me knowing and wouldn't refund $550 for 1 day of insurance. They are scam artists with no explanation of why. It's probably because of all of the law suits they are dealing with. I would not recommend them to my worst enemy.

Why do you need insurance for a country club?

In order to protect your business, yourself, your staff, and your clientele, having the right insurance coverage is a necessity. Country clubs offer many recreational opportunities to members and their guests.

What are the personal injury exposures in pool?

Personal injury exposures include assault, discrimination, defamation of character, false arrest, invasion of privacy, or unlawful detention.

Do golf courses require workers compensation?

Workers Compensation. It takes a large staff to operate a golf course or country club. As such, you are going to need to have workers' compensation insurance. This coverage protects all of your staff from any accidents, injuries, or illnesses that they may sustain while they are on the job.

Is golf course insurance good?

Golf Course & Country Club Insurance Golf courses and country clubs offer an excellent business opportunity for those who invest in them. They can prove to be quite lucrative, as golf is a very popular pastime and country clubs can be used for a variety of purposes, including different functions and events.

Do you need to carry unemployment insurance?

If you have any employees most states will require you to carry worker's compensation and unemployment insurance. Some states require you to insure yourself even if you are the only employee working in the business.

How much does it cost to maintain a mini golf course?

Overall, maintenance costs for running a mini-golf course can vary but mostly fall in the $40,000-$70,000 range annually. Now let’s talk about revenue.

How many holes are there in a mini golf course?

Traditional mini-golf courses usually consist of one 18- hole course. However, having two 18-hole courses can be key to gaining repeat business and driving profits up. Having 2-18 hole courses give customers more variety and reduce crowding and lines, which is good for keeping customers around.

How many people play mini golf?

It is estimated that every year over 130 million people play mini-golf, generating a total annual revenue of over $1 billion for course owners. Mini-golf is a lucrative business because it has great potential for growth ...

What are some examples of features and costs to take into account when building a course?

Some examples of features and costs to take into account when building a course include: Water systems like streams, ponds, pumps, and drainage ditches. Water hazards are a popular addition to mini-golf courses. Elevation changes. A flat course is a boring course, some dips and dives add to the experience.

What is flat course?

A flat course is a boring course, some dips and dives add to the experience. Elevation changes can dramatically alter costs. Themes and structures. Depending on how extravagant you want your course to be, building structures to match the theme may cost the most of your building budget. Lighting.

When is mini golf season?

Mini-golf typically has an on season during the warmer spring and summer months and an offseason during the fall and winter. Zooming in even further, mini-golf attendance shows clear peaks and valleys during each individual week, typically being higher during evenings and weekends and slower during weekdays.

Is mini golf recession proof?

The reason why is that mini-golf is virtually recession proof.

How much does golf cart insurance cost?

Here is some general information on monthly costs: You may pay as little as $4 a month. If you add golf cart coverage to your current homeowner's insurance.

What is golf cart insurance?

KEY TAKEAWAYS. Golf cart insurance is an insurance policy that covers damage to your golf cart and damage that your golf cart causes. Buying golf cart insurance depends on where you ride and how you use your golf cart. It covers bodily damage liability, property damage liability, collision and comprehensive damage to your cart.

Do you have to have liability insurance on a golf cart?

Not every policy will let you add the golf cart as a rider to your homeowner's insurance policy. Sometimes, you'll have to get it separately. Think about Florida and Arizona, where the weather is warm where and riding around in a golf cart, even on public roads, is almost a way of life. In fact, in Arizona, if you drive a golf cart on the road, you are required to have liability insurance on your golf cart.

Can you drive a golf cart in a retirement community?

But before you hop on, be sure to check out the insurance requirements for the state you'll be driving it in.

Does golf cart insurance cover off road driving?

Other states, like Arizona and North Carolina have set minimum coverages required for any golf cart that will travel on public roads. If you won't be driving the cart on public roads, it's still a good idea to get some insurance coverage for an off-road vehicle.