Coverage Highlights

Property Coverage

• Blanket building & personal property with agreed value
• Replacement Cost provided
• Direct physical loss to buildings, all other structures and personal property at the Club is covered.
• Newly acquired buildings to $2M
• Newly acquired business personal property to $1M
• $2,000,000 "tee to green" coverage with no per hole limit and on a "special" perils basis
• Business income protection, including extra expense, is provided with no waiting period or coinsurance percentage and an unlimited period of indemnity
• Business income protection provided for golf holes
• Actual loss sustained coverage available.
• Club Professional replacement expense
• Flood and Earthquake available (state exceptions may apply)
• Errant golf ball property damage
• Damage to golf bags, clubs and golf equipment of others coverage
• Debris coverage to $250,000
• Trees, Shrubs, Plants and Lawns Coverage
• Hole-in-one reimbursement expense
• Ordinance & Law
• Back-up of sewers and drains
• Electronic data processing
• Power interruption
• Valuable papers

Liability Coverage

• $1,000,000 per occurrence/$3,000,000 aggregate primary liability limit
• Non-auditable policies
• Additional insureds wording extended to include members, employees, volunteers, golf and tennis pros.
• Accident medical limits for injuries to members and athletic participants.
• Liquor Liability
• Pollution liability limits including off premises cleanup and above ground storage tanks
• Professional liability coverage for club golf and tennis professionals
• Garagekeepers' Coverage (Valet Parking)
• Umbrella limits can be extended to include liquor, employee benefits, directors and officers coverage.

Directors & Officers Liability and Employment Practices Liability

• Primary limits up to $15 million, with excess limit available
• Duty-to-defend
• Hammer clause with a 50% / 50% provision
• Two year deal options with two separate annual aggregate limits of liability - even if there is a claim in the first year.
• Defense cost coverage for both individual insureds and the organization with respects to breach of contract
• Defense outside of the limit
• Side A non-indemnifiable pollution coverage (important for club exposures such as water run-off)
• Broad definitions of "Employment Practices Vilation" and "Wrongful Act"
• Full Prior Acts coverage
• Coverage for illegal alien penalties
• Crisis Fund® for reputation defense
• No exclusion, sub-limit or separate retention for membership discrimination allegations