Miniature Golf Course Business Insurance
Getting business insurance for your miniature golf course is essential.
Miniature golf courses need to be protected against things like claims of things like personal injury, breach of contract, and premises liability.
For example, if a child or adult is hit in the head by a golf ball, your golf course may be liable for compensating injured parties for medical expenses and lost wages in damages.
We’ll help you find the most personalized and affordable coverage for your unique business.
Recommended: Next Insurance is dedicated to matching small businesses with the right policy at the best price.
Best Insurance for a Miniature Golf Course
General liability insurance is — generally speaking — one of the most important insurance policies for miniature golf courses.
Some of the risks general liability insurance covers are:
- Bodily injury
- Property damage
- Medical payments
- Legal defense and judgment
- Personal and advertising injury
Miniature golf course owners should consider investing in some of the following different types of insurance policies:
- Umbrella policy: Provides additional protection beyond the limits of primary liability policies. This type of policy can help protect businesses from large lawsuits or claims that exceed the limits of their primary coverage.
- Property insurance: This policy provides coverage for losses due to theft, vandalism, fire, flood or other damages caused by natural disasters or human-made incidents.
- Robbery and burglary coverage: Protects your business against losses it may suffer due to violent crimes such as hold ups or break-ins.
- Workers' compensation insurance: Provides your golf course’s employees with financial compensation if they are injured on the job.
When it comes to purchasing business insurance for your miniature golf course, there are two options available:
- Brick and mortar agencies: They provide their clients with a more personal touch when it comes to selecting the right type of coverage. Their in-person consultations with licensed agents are also a great way to obtain expert advice on the best policy types for your needs.
- Online insurers: These firms are generally preferred for their greater convenience, flexibility, and competitive pricing compared to traditional agents. Additionally, they also frequently offer customizable policies without incurring additional costs or fees.
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Cost of General Liability Insurance
On average, mini golf courses in America spend between $400 - $1,100 per year for $1 million in general liability coverage.
Compare the average cost of general liability insurance for a miniature golf course to other professional industries using the graph below.
Several factors will determine the price of your policy. These include your:
- Location
- Deductible
- Number of employees
- Per-occurrence limit
- General aggregate limit
You may be able to acquire general liability insurance at a discounted rate by purchasing it as part of a business owner’s policy (BOP) rather than as a standalone policy.
A BOP is a more comprehensive solution that includes multiple forms of coverage, such as business interruption and property insurance.
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Common Situations That General Liability Insurance May Cover for a Miniature Golf Course
Example 1: As an employee demonstrates how to swing the putter to a group of guests, he accidentally topples an overhead display shelf. The shelf falls off the wall onto a guest’s foot, breaking several small bones. General liability insurance would pay for the guest’s medical costs and any settlement money awarded in a lawsuit.
Example 2: You’ve been meaning to fix a tear in the AstroTurf near one of your holes, but a busy weekend kept you from closing the area to make repairs. Guest accidentally knock over the “caution” sign you placed near the tear and a child trips and knocks out two teeth. The child needs stitches and the parents are angry. General liability insurance would cover the child’s medical bills and any legal costs if the parents decide to sue.
Example 3: As a delivery driver stops by with a shipment of golf balls, they seriously injure themselves by slipping on a wet floor. The delivery driver sues not only for their medical costs but also for additional damages. Your general liability policy would pay for your legal defense and any settlements awarded to the delivery driver.
Other Types of Coverage Miniature Golf Courses Need
While general liability is the most important type of insurance to have, there are several other forms of coverage you should be aware of. Below are some of the most common types of coverage:
Commercial Property Insurance
Your mini golf course requires plenty of specialized equipment to run smoothly. If you own your building, commercial property insurance protects your business equipment, tools, furniture, and other supplies in the event of a fire or other disaster. This coverage helps replace damaged property so you can reopen as soon as possible.
Workers’ Compensation Insurance
Most states require businesses to carry workers’ compensation insurance for their part-time and full-time employees. If one of your employees becomes injured at work or falls ill as a result of a work-related accident, workers’ compensation insurance would cover their medical bills and, if appropriate, any disability benefits.
Commercial Umbrella Insurance
While you’ve invested in comprehensive liability insurance to protect your business in the event of a lawsuit, certain situations could exhaust the limits of your primary insurance policy. That could leave you responsible for paying legal fees and damages out-of-pocket. Commercial umbrella insurance goes beyond your primary policy limits to protect your business in these situations.
Data Breach Insurance
If you offer a loyalty program for your repeat customers, you likely store some of their personal data in your computer system. This sensitive information may then be vulnerable to cyber attacks. Data breach insurance offers peace of mind with an extra layer of protection in the event of a system breach.
Additional Steps To Protect Your Business
Although it’s easy (and essential) to invest in business insurance, it shouldn’t be your only defense.
Here are several things you can do to better protect your miniature golf course:
- Use legally robust contracts and other business documents. (We offer free templates for some of the most common legal forms.)
- Set up an LLC or corporation to protect your personal assets. (Visit our step-by-step guides to learn how to form an LLC or corporation in your state.)
- Stay up to date with business licensing.
- Maintain your corporate veil.
Miniature Golf Course Business Insurance FAQ
Yes, absolutely. You will need to first get a quote from an online business insurance provider like Next Insurance. Next allows you to then purchase a policy immediately and your coverage will be active within 48 hours.
A typical business owner’s policy includes general liability, business interruption, and commercial property insurance. However, BOPs are often customizable, so your agent may recommend adding professional liability, commercial auto, or other types of coverage to your package depending on your company’s needs.
"Business insurance" is a generic term used to describe many different types of coverage a business may need. General liability insurance, on the other hand, is a specific type of coverage that business owners need to protect their assets.
Yes, your miniature golf course needs business insurance before it starts up, as a failure to have adequate coverage can lead to severe financial difficulties if an accident occurs on your premises.
This is particularly true during the construction phase of your operations, which makes it even more important to acquire insurance proactively.
Not necessarily. Certain exceptions may be written directly into your miniature golf course insurance policy, and some perils may be entirely uninsurable.
Yes, an LLC is meant to create a legal barrier between your business and your personal assets and credit. If you haven’t formed an LLC yet, use our Form an LLC guide to get started.
An LLC doesn’t protect your business assets from lawsuits and liability– that’s where business insurance comes in. Business insurance helps protect your business from liability and risk.