The experts at Howden Insurance Brokers explain how golf clubs can protect their assets, members, and reputation through effective risk management and tailored insurance cover.
Golf clubs are more than just sporting venues; they’re vibrant social hubs with valuable assets that face a variety of risks. Without proper risk management, clubs may find themselves dealing with costly insurance claims and losses that can’t be replaced.
As clubs grow, host events, and invest in their facilities, it’s essential they adopt a proactive approach to safeguarding their people, property, and reputation. Here’s what every club manager needs to know to stay protected and prepared.
Understanding the risks
Clubhouses are vulnerable to a variety of exposures:
- Theft and burglary: Trophies, memorabilia, cash, and bar stock are common targets.
- Fire and water damage: Electrical faults, kitchen incidents, and burst pipes can cause significant disruption.
- Storm and flood damage: Especially for clubs near rivers or in low-lying areas.
- Vandalism: Malicious damage can affect both aesthetics and operations.
- Public liability claims: Stray golf balls damaging neighbouring property are more common than you might think.
Protecting valuable items
Trophies and memorabilia often hold sentimental and historical value. To ensure they’re properly insured:
- Get regular valuations from reputable experts — ideally every couple of years.
- Maintain a detailed inventory, including photographs, stored securely (e.g. in the cloud).
- Update your sum insured whenever new items are acquired or valuations change.
Security measures that matter
Insurers look favourably on clubs that invest in robust security protocols:
- Monitored intruder and fire alarms, preferably with police-level response.
- CCTV coverage inside and out, with footage retention policies.
- Secure storage for valuables — locked safes or display cabinets.
- Controlled access systems like keypads or swipe cards.
- Routine maintenance of fire safety and electrical systems.
These measures not only reduce risk but can also help lower premiums.
Howden Insurance Brokers specialise in managing the insurance and risk management clients within the Sport and Leisure sector. Working with some of the largest national and international governing bodies, we truly understand the risks associated with our sector.
When to review your insurance
Annual reviews are essential ideally 6–8 weeks before renewal. But certain events should trigger an immediate reassessment:
- Clubhouse refurbishments or new buildings
- Acquisition of new equipment or memorabilia
- Changes to alarm systems
- Hosting large-scale events
- Significant shifts in revenue or staffing
The role of staff training
Your team is your first line of defence. A well-trained staff can prevent incidents before they occur:
- Ensure they understand security protocols and reporting procedures.
- Encourage regular checks and accurate record-keeping.
- Implement a written risk management policy or handbook to reinforce accountability.
Responding to an incident
If the worst happens, swift and organised action is key:
- Notify the police and obtain a crime reference number.
- Take steps to prevent further damage (e.g., boarding up affected areas).
- Contact your insurance broker immediately.
- Gather evidence CCTV footage, witness statements, receipts for emergency repairs.
Golf clubs are custodians of tradition, community, and sport. Protecting their physical and cultural assets requires more than just insurance it demands foresight, diligence, and a commitment to best practice.
If your club hasn’t reviewed its risk management strategy recently, now is the time.
Take the first step toward safeguarding your club’s people, property, and legacy. Fill in this short form today to speak with a specialist who understands the unique exposures golf clubs face and can help you protect what matters most.
Let’s make sure your club is prepared not just insured.
