Golf Insurance

Protect your Golf team, league, camp, or tournament with General Liability, Accident, Directors & Officers, Crime and Equipment insurance.


*Please Note: You will be redirected to a Sadler Insurance Program. If you feel that the quote is not competitive, please contact Sadler & Company for more options.


Golf Insurance Policies for adult and youth teams and leagues includes coverage for Accident, General Liability, Directors and Officers Liability, Crime and Equipment.

  • Rock-solid Protection
  • Up to 38% Savings
  • Online Application Process & Fast Turnaround
  • INSTANT Proof of Coverage in Most Cases

Sadler is Pleased to Offer these Best-in-Industry Golf Insurance Programs:

Golf Insurance for Adults

Golf Insurance for Youth

Specialty Areas

  • Regular season golf
  • Travel golf
  • Golf leagues
  • Golf teams
  • Tournament golf

Programs Others Have Purchased

The game of golf is extremely popular among professionals and amateurs, and played by people of all ages. Golf Golf insuranceis one of the safer competitive sports, but accidents and  injuries can and do occur. Flying golf balls, swinging golf clubs, rolling golf carts can all cause considerable damage to people and property, which is why golf insurance is critical. Golf coaches and course owners and managers need to be aware of the potential risks on the green from lightning to repetitive stress injuries.

Golf is such a particularly popular sport among young people, Therefore, it’s important that coaches supervise players closely to make sure game and safety rules are being followed and prevent  roughhousing, which are all frequent causes of injuries.

Most traumatic injuries can be avoided by using common sense and following the rules. However, a comprehensive golf insurance policy, including Accident and General Liability, offers the protection needed for when the inevitable accidents or injuries occur.

Safety on the green

Golf insuranceThe first step in golf safety is being aware of the the weather. Severe weather can roll in suddenly and a golf course is the last place you want to be in a lightning or hail storm.  Most golf courses will sound an alarm if lightning is spotted in the area. However, it’s best that at least one member in the golfing party have a severe weather alert app on their cell phone. Please read Special Events May Require Special Coveragefor more detailed information on safety and liability issues for events such as golf tournaments and fundraisers.

A round of golf, whether playing only 9 or all 18 holes, takes a few hours and most courses provide limited shelter from the hot sun. It’s important to be well-hydrated before teeing off and drink plenty of water during play. Sunscreen, sunglasses, and a hat are highly recommended for protection against the burning rays of the sun.

Golf shoes offer much better traction than sneakers to prevent slipping when swinging the club or while walking a damp course.

Always be aware of your surroundings while on the course, paying attention to the people around you. Serious injuries can happen if someone gets hit by a flying golf ball or club. If, you hear someone yell “Fore!” don’t look for the oncoming ball. Seek protection behind a tree, in a golf cart, or by covering your head and face with your arms.There are, unfortunately rare reportings of people having died from being hit by golf balls.

Golf cart safety

golf insuranceSerious injuries can occur when golf carts are driven in a hazardous manner or aren’t kept in good repair.

Drivers should

  • drive at a reasonable speed, especially in bad weather
  • avoid sharp turns.
  • be at least 16 years old
  • not operate a cart after drinking alcohol

Course owners/managers should

  • never make post-factory modifications to golf carts
  • keep carts in good repair and document a regular maintenance schedule
  • post safety policies

Most golf injuries are the result of overuse. A golf swing that is repeated over and over again puts stress on the same muscles, tendons, and joints, which can cause injury over time. Golfer’s elbow  is a common overuse injury of the forearm muscles and tendons that leads to pain on the inside of the elbow.

Strains and sprains are common golfing injuries, with muscles and tendons in the lower back and shoulders being the most frequently affected. Research shows poor mechanics are the cause of most of these types of injuries in amateur golfers. Proper swinging techniques and maintaining core strength and flexibility are the best defense against developing back strain.

Shoulder strains typically refer to rotator cuff injuries.

The experts at Sadler Sports and Recreation Insurance will be happy to answer any questions you have about golf insurance for teams, leagues, courses and driving ranges, or to assist you in assessing your unique insurance needs. Give us a call at (800) 622-7370 or fill out our quick online application for a quote now.

What Our Clients Have To Say About Sadler Sports Insurance Programs


  • “First policy with Sadler and extremely pleased with website and staff.” – Nick Stay, American Underwriters Insurance Agency
  • “Good Morning from the Rockies! This is first time applying for sports insurance. I did speak initially to a staff member and found that she helped me immensely and calmed my nerves. Thanks! I chose the letter “A” for Accurately Acceptable!” – Beverly Sunie, Bev’s Barracudas