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For golf courses and private country clubs
Our program is designed to keep you out of
the rough
We can provide all aspects of your business protection, starting
with the special coverages you need for your business, plus you can add plenty of optional
coverages and related life insurance protection. The result is a unique business owners
package that is very good for your business.
If you’d like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.
We help you navigate the hazards.
Our Master Links Insurance Program for public golf courses and private country clubs
has evolved from decades of experience in insuring America’s businesses-and a
well-earned reputation for doing business on the golf course. We have all the right
"clubs" to protect your business with exceptionally broad property and liability
coverage. Plus options that make sense for your operation, savings your deserve, and
payment plans that suit your cash flow needs.
Liability based on rounds played
Designed to match the needs of individual courses, our Master Links Program bases
general liability rates on rounds played instead of receipts. This means you’re not
penalized a single stroke if you have higher-than-average greens fees. It means you can
increase greens fees without paying more for insurance. And it means other income you may
enjoy-from your snack bar, pro shop, golf cart rentals, golf and tennis lessons, or a
driving range-do not affect premiums.
To make it easy on you, we may waive audits of rounds played if you supply sufficient
documentation. (Full-service restaurants, marinas or beaches, swimming pools, and other
non-golf-related facilities are rated separately.)
Long-off-the-tee property coverage
In addition to your buildings and facilities, you have hundreds of acres of property to
protect. So we’ve stretched property coverages under our Master Links Program to
match your exposure.
Our coverage for buildings and business property you own, manage or lease provides
coverage on a replacement cost basis (with no coinsurance penalty) against most types of
direct loss, including burglary and robbery.
- We list all property, including golf carts, under one blanket limit, to greatly reduce
the chances of an uncovered or underinsured loss.
- Your business property is covered within 3,000 feet (compared to the standard 1,000
feet) of any building you insure with us.
- We won’t replace divots, but we do cover replacement of trees, shrubs and plants
due to any insured cause of loss.
- We cover your underground sprinkler systems.
- We cover your accounts receivable.
- We include coverage for business income and extra expenses-including earnings, rents and
extra expenses. Higher limits are available.
- We cover fire department service charges each time you call them to protect or preserve
the property you insure with us.
- Your computers carry broader than usual coverage.
- And, yes, our property coverage also insures your bridges, roadways, patios and property
of others.
Liability coverage includes pesticide/herbicide applicators
Our Master Links Program gives you peace-of-mind liability coverage for your
pesticide/herbicide operations. This generous coverage protects your club if drifting
chemicals damage property of others. Or, if a golfer inhales a noxious noseful just as
he’s lining up a critical putt.
Other liability protection
Our program gives you comprehensive general liability coverage for bodily injury and
property damage arising from operations you own, manage or lease. Of special interest to
you:
- We automatically add golf and tennis professionals as insureds for liability coverage.
- We include coverage for fire damage you accidentally cause to a building you lease
And, you’re covered if...
- Due to your negligence, a product you provide causes damage or injury.
- Employees acting on behalf of your business cause property damage or injury.
- You assume liability for others under written or verbal agreements.
- Medical expenses are incurred by anyone (other than your officers and employees) because
of an accident related to your premises.
- You’re accused of libel, slander, false arrest, or invasion of privacy.
Other coverages automatically included:
- Property off-premises and in transit
- Money and securities
- Valuable papers and records
- Sewer/drain backup
- Glass breakage-exterior and interior
- Outdoor signs
Choose from a full bag of options
We offer over 35 options to help you customize your Master Links Golf Program,
including:
- Systems breakdown For HVAC systems that serve your facilities.
- CompuPak® Comprehensive coverage to insure your information processing systems
against mechanical breakdown, electrical or magnetic erasure of tapes, sabotage and many
other types of loss. Covers both your hardware and software.
- Group coverages Group term life and short-term or long-term disability coverage
is available to protect—and help you retain—your employees. The cost is
surprisingly low.
- Business continuation This coverage integrates a funded buy/sell agreement into
your plan, protecting the interest of all owners of your club and the future of your
operations.
- Employee dishonesty We offer limits of $10,000 or $25,000 per occurrence.
- Employment practices liability This coverage protects you against loss resulting
from a wide range of employee lawsuits, including discrimination, sexual harassment and
wrongful termination.
- Low-cost fidelity bond If you provide a qualified pension plan, this is the ideal
way to meet your legal requirements (ERISA) to protect plan participants against theft of
funds.
- Workers compensation Yes, this absolutely essential coverage is available for
your golf club or course. Ask your agent for details.
Life insurance to protect you and your business
We can also handle all of your business life insurance needs. Some examples include:
- Key employee coverage Designed to protect your business upon the loss of a key
employee. Funds can be used to find, hire and train a replacement, as well as compensate
for lost business during the transaction.
- Simplified pension plans Owners of small businesses can turn to either a SEP-IRA
or a Simple IRA to get the benefits of a qualified pension plan without the higher
administrative costs and paperwork hassles.
- Debt protection This coverage can secure the funds needed to pay off a
company’s debt upon the death of an owner, helping the business continue as a viable
entity during this difficult time.
- Non-qualified executive plans A business may want to reward key people in the
organization with such executive plans as deferred compensation, executive bonus and split
dollar coverage. Each plan rewards the executive while tying them more closely to the
continued success of the business.
Your other insurance needs
Harleysville offers a full line of products to cover all of your other business and
personal protection needs:
- Automobile For your business and personal use
- Homeowners Complete coverage for your personal property and liability needs
- Life Choose from a wide variety of life insurance plans to protect you and your
family
- Excess liability Broader coverage for losses above the limit of your underlying
policies
- Shipmate® Coverage for your boat and liability for protection for you
- And much, much more
Want to know more about our Master Links program? Contact
an agent in your area, or get in touch with our
office nearest you.
Note: These coverages are not available in all states. In the event
there are discrepancies between this information and your policy, the terms of your policy
will govern. Consult your independent insurance agent for more information.
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