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  • Club/ Course Insurance

    Does anybody have any experience in obtaining liability insurance for a local club or course? We are moving forward with a new course in Woodland Creek Park (Lacey, WA) but we may need to obtain insurance.

    Thanks
    A bad day on the golf course is better than a good day at work!

  • #2
    Chris you should ask Keith about this, I'm pretty sure he has lots of information on the subject.
    Sometimes my mind boggles. It's so deep my mind actually boggles.

    ~ Cyndi Lauper ~

    Comment


    • #3
      Hi Chris,
      We have been through this in the West Sound with every new park entity we have worked with. Bottom line is there is no general liability insurance that fits what parks departments are looking for. There is amateur insurance your club can get but if your club plays at any private courses or if anybody gets paid cash money (like Tuesday night doubles) it would nullify amateur insurance.
      There is tournament insurance available with PDGA tournaments. Professional club insurance is cost prohibitive.
      If they are concerned about insurance for course installers, again there is nothing that is not cost prohibitive.
      Also, be very careful before having the club sign maintenance agreements that could stick you with large charges for illegal dumping, HazMat clean ups, etc.
      Remember you are offering the parks a tremendous asset that will help them meet their mission and functions much the same as skate parks and other more risk prone parks activities.
      Keep up the good work Chris

      Comment


      • #4
        You bring up some good points about the maintanence agreement Paul. And I don't really know why we would even need insurance. It seems that our volunteering is no differant than any other group that volunteers to clean up a park. And we are fully prepared to insure our events.


        From what I understand, there is at least one club in the area that does have insurance. I don't know all of the details, but Im going to contact the agent this coming week and see what kind of info I can get. Im really hoping we can get around the issue, but I wanna cover all of our bases anyway.
        A bad day on the golf course is better than a good day at work!

        Comment


        • #5
          Francis L. Dean & Associates out of Florida specializes in Sports events/organizations and club insurance. Our dg club got a general liability insurance policy from them for less than 1/3 of the price of our previous liability policy. They also did the additional certificates of insurance for no additional cost (to list the local Parks & Rec as additional insured, or whoevers land we were going to be on as required for the permits to build a new course and also as needed for some event permits, etc). They don't have much info on the website regarding disc golf events/club insurance, but if you call Julie Sordam she'll have all the info to you shortly and will take care of you:
          Julie Sordam
          jsordam@fdean.com or 1-877-671-3326
          www.fdean.com
          Last edited by kemi; May 1st, 2012, 12:55 PM.

          Comment


          • #6
            Originally posted by kemi View Post
            Francis L. Dean & Associates out of Florida specializes in Sports events/organizations and club insurance. Our dg club got a $1M general liability insurance policy from them for less than 1/3 of the price of our previous liability policy. They also did the additional certificates of insurance for no additional cost (to list the local Parks & Rec as additional insured, or whoevers land we were going to be on as required for the permits to build a new course and also as needed for some event permits, etc). They don't have much info on the website regarding disc golf events/club insurance, but if you call Julie Sordam she'll have all the info to you shortly and will take care of you:
            Julie Sordam
            jsordam@fdean.com or 1-877-671-3326
            www.fdean.com
            Thank you. I will check into it, and let you know what we come up with.
            A bad day on the golf course is better than a good day at work!

            Comment


            • #7
              If you still need more info on Liability Insurance let me know in a PM and I'll give you my phone number. The North Idaho Disc Golf Club has pretty extensive liability insurance and we are in our second year with it now. The nice thing is also that if we hold PDGA events we don't have to pay the $50 or more for their coverage. We do have to pass some cost on to the players though but we charge non-members more

              Comment


              • #8
                Originally posted by ScottW View Post
                If you still need more info on Liability Insurance let me know in a PM and I'll give you my phone number. The North Idaho Disc Golf Club has pretty extensive liability insurance and we are in our second year with it now. The nice thing is also that if we hold PDGA events we don't have to pay the $50 or more for their coverage. We do have to pass some cost on to the players though but we charge non-members more
                PM sent.
                A bad day on the golf course is better than a good day at work!

                Comment


                • #9
                  Originally posted by ScottW View Post
                  The nice thing is also that if we hold PDGA events we don't have to pay the $50 or more for their coverage.
                  Just to make sure you know - all sanctioned events are automatically insured (just for being sanctioned), but if you need a hard copy "proof of insurance" - that's what will cost you $50.

                  "Their coverage" is paid with the cost of sanctioning.
                  WA ST Approved PDGA Schedule


                  4DiscGolf - a tournament directors best friend!!!

                  Tournament Directors - register your event HERE

                  Comment


                  • #10
                    good ol boys like to help the community

                    Originally posted by olydiscgolf View Post
                    Does anybody have any experience in obtaining liability insurance for a local club or course? We are moving forward with a new course in Woodland Creek Park (Lacey, WA) but we may need to obtain insurance.

                    Thanks
                    We've used Rotary's and Lion's Club insurance before.
                    This was done for specific events though and not just for a course.
                    Still may be something worth inquiring about.
                    bueno suerte
                    He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart. You owe it to him to be worthy of such devotion.
                    - Anonymous

                    Comment


                    • #11
                      I never knew

                      Originally posted by Rideout View Post
                      Just to make sure you know - all sanctioned events are automatically insured (just for being sanctioned), but if you need a hard copy "proof of insurance" - that's what will cost you $50.

                      "Their coverage" is paid with the cost of sanctioning.
                      Wow, I didn't know it worked that way.
                      He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart. You owe it to him to be worthy of such devotion.
                      - Anonymous

                      Comment


                      • #12
                        I think I have come up with an inexpensive way to get the insurance coverage we will need. I'm still working out the details to maximize our coverage, but it looks like we should be around the $250/ year range. Taking into account that we won't need certificates of "additional insured" when we run events, we will be "saving" $50 each event. I was pleasantly surprised in the cost.

                        If anybody would like info on it, let me know.

                        Thanks everybody for your input and PM's on the subject.
                        A bad day on the golf course is better than a good day at work!

                        Comment


                        • #13
                          looks like you guys might want to to run a fundraiser tournament for the insurance costs...

                          ...wait...who insures that?...ha (you could sanction that... see the wheel keeps on spinning)

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                          • #14
                            olydiscgolf, I responded to your PM and my dad who obtained the policy for our club said it is the same group as the one mentioned above Francis L. Dean & Assoc. feel free to call him if you have any questions though.

                            Comment


                            • #15
                              Originally posted by olydiscgolf View Post
                              Thank you. I will check into it, and let you know what we come up with.
                              Thats the same group the DOS uses to insure Lakewood and Seatac.
                              Good rates,and pretty knowledgable about Disc Golf events.
                              At least our agent is.
                              Sounds like you got a grasp on it,but if you need any info feel free to ask.
                              Cheers

                              Comment

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