We insure golf. That's the entire agency.
Courses, clubhouses, tournaments, and the golfers who play them — placed through the specialty programs built for golf risk, not the generic commercial markets that decline it.
Four ways golf gets insured
Most operations need two or three of these stitched together. We handle the stitching.
Golf Course Insurance
The whole operation — course property, irrigation, maintenance fleet, cart barn, grounds crew payroll, and the liability that comes with hosting play all day.
Clubhouse Insurance
Where the real claims live: commercial kitchen fire, liquor liability, banquet and wedding events, pro shop retail, member data, and the building itself.
Hole-in-One & Tournaments
Prize indemnification so a $50,000 car doesn't come out of your charity's pocket, plus one-day event liability with the additional insureds sponsors demand.
Individual Golfers
Coverage that follows the player — scheduled clubs and rangefinders, golfer liability for the shot that finds a windshield, and personal golf cart policies.
Your agent writes eleven kinds of business. We write one.
A generalist agency sends your course to the same standard markets it uses for restaurants and roofing contractors. Those carriers either decline golf or price it like they're guessing — because they are. Specialization is the whole product here.
We know what a golf underwriter is going to ask before they ask it, which is the difference between a submission that gets quoted and one that sits in a queue.
| Generalist agent | Birdies | |
|---|---|---|
| Golf accounts written | A handful | All of them |
| Dedicated golf programs | Rarely | Primary market |
| Knows errant-ball liability | Sometimes | Always |
| Pollution from chemical apps | Often missed | Quoted every time |
| Tournament COIs | Days | Same day |
The gaps we find on almost every course we review
Not hypotheticals. These are the four that show up again and again when a golf operation has been insured by a generalist.
Pollution exclusion left in place
Every standard general liability form excludes pollution. Courses apply pesticides, herbicides, and fertilizer, and store fuel for the fleet. Without a carve-back or a separate environmental policy, a runoff claim from the neighboring watershed is uninsured.
Property values years out of date
Clubhouse and cart-barn values get carried forward unchanged for a decade while construction costs climb. When the building burns, coinsurance penalties do the rest of the damage.
Liquor liability under-limited
The beverage cart and the banquet bar are the same exposure as a standalone bar, but they get treated like an afterthought on the BOP. Dram-shop verdicts do not care that golf was the main business.
Employment practices with no coverage
Seasonal grounds crews, high turnover, tipped F&B staff. EPLI claims are among the most common losses a club actually files, and it's the line most often left off the program entirely.
How a golf placement works
No lead forms sold three times over. You talk to the person who markets your account.
Send us what you have
Current declarations pages, 3–5 years of loss runs, a statement of values, and payroll by class code. If you don't have all of it, we'll request it from your carrier for you.
We market it properly
Your submission goes to the golf programs with real appetite for your operation, packaged the way their underwriters want to see it. Not blasted to twenty markets.
You get a real comparison
Side-by-side coverage, not just premium. We flag what each carrier excludes so the cheapest number isn't hiding the biggest hole.
Frequently asked
What does Birdies Insurance actually write?
Golf, and only golf. Golf courses and country clubs, clubhouse and pro shop operations, tournaments and hole-in-one prize coverage, and coverage for individual golfers. We don't write personal auto, homeowners, or general commercial business — if that's what you need, we're the wrong agency and we'll say so on the first call.
Do you only cover courses in Tennessee?
No. Golf is written nationwide. The golf-specialty programs we place through are licensed across all 50 states, and we carry non-resident licensing and wholesale access to match. Our office is in Franklin, Tennessee; our book is national.
Why does a golf-only agency beat my current generalist agent?
Because golf risk gets declined or badly priced by generic commercial markets. A generalist agent sends your course to the same standard BOP carriers they use for restaurants and contractors. We go straight to the programs that were built for golf — the ones that already have appetite for errant-ball liability, chemical application, cart fleets, and seasonal payroll.
How fast can you turn around a certificate of insurance?
Same day for existing clients, usually within the hour. Tournament sponsors, municipalities, and event venues get them sent direct — you don't have to play middleman.
When should I start a renewal conversation?
Ninety days before your expiration date. Golf programs want complete submissions — 3 to 5 years of loss runs, current statement of values, payroll by class code — and rushing that in the last two weeks is how courses end up renewing as-is at a bad number.
Do you work with small operations, not just private clubs?
Yes. Municipal and daily-fee courses, 9-hole tracks, par-3s, driving ranges, indoor simulator businesses, and standalone pro shops. Smaller operations often fit a packaged golf BOP that's cheaper and far simpler than a full commercial program.
Renewal coming up? Start ninety days out.
Send us your expiration date and we'll tell you what we need and when. Reviews are free, and we'll tell you honestly if your current program is already good.