Driving Range Business Insurance
Getting insurance for your driving range business is essential.
Driving ranges need to be protected against things like claims of personal injury, negligent hiring, and property damage.
For example, a stray ball breaks the window of a neighboring property, or a visitor injures themselves due to poorly maintained grounds.
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 Driving Range Business
General liability insurance is — generally speaking — one of the most important insurance policies for driving range businesses.
Some of the risks general liability insurance covers are:
- Bodily injury
- Property damage
- Medical payments
- Legal defense and judgment
- Personal and advertising injury
Driving range businesses often choose to enhance their coverage with a number of policies in addition to general liability, such as:
- Commercial property insurance
- Workers’ compensation insurance
- Commercial umbrella insurance
- Business interruption insurance
During the process of deciding where to buy coverage from for your driving range, being aware of the two distinct types of insurers is a big help:
- Traditional brick-and-mortar insurers — These providers, such as The Hartford and Hiscox, are the conventional options that come to mind when you think of insurers. They operate out of physical locations and use insurance agents to offer quotes.
- Online insurers — These providers, such as Tivly and Next, are a more contemporary option that is based entirely online. This option has been gaining popularity among small businesses due to its convenience, affordable prices, and high-quality, reliable insurance.
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Cost of General Liability Insurance
The average driving range in America spends between $400 - $1,100 per year for $1 million in general liability coverage.
Compare the average cost of general liability insurance for a driving range business 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 Driving Range Business
Example 1: A customer decides to sue when a stray ball hits their eye and the injury requires surgery. While a court may rule in your favor because customers take on certain risks while using your facility, general liability insurance would cover your legal fees and any damages awarded in a settlement.
Example 2: While organizing the golf carts, an employee accidentally knocks a customer to the ground. The fall breaks the customer’s hip and she demands repayment for her medical treatment. General liability insurance would cover the customer’s medical bills.
Example 3: A competitor sues your business over marketing materials they claim include defamatory statements about their business. General liability insurance would pay for your legal fees and any damages awarded in a settlement.
Other Types of Coverage Driving Range Businesses 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
You’ve made major investments in your equipment and other golf supplies. If you own the building in which you operate, you’re responsible for all business-related property housed there in the event of a fire or other natural disaster. Commercial property insurance would cover the cost of replacing your equipment and supplies after an accident so you can recover quickly.
Workers’ Compensation Insurance
Most states require businesses to carry workers’ compensation insurance for their part-time and full-time employees. This coverage protects your employees if they become injured at work or fall ill after a work-related accident. It not only covers an employee’s medical bills and lost wages if they need time to recover but also any disability benefits stemming from a work-related accident.
Commercial Umbrella Insurance
While your general liability insurance policy covers most claims, some accidents or lawsuits may be so catastrophic that they threaten to exhaust the limits of your primary coverage. Commercial umbrella insurance protects you from paying out-of-pocket for any legal fees and awarded damages that exceed your primary policy.
Business Interruption Insurance
If a fire, tornado, or other incident forces you to temporarily close, business interruption insurance would help cover your financial losses until you can reopen. You can usually purchase business interruption insurance as part of a business owner policy or BOP.
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 driving range business:
- 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.
Driving Range 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, it is strongly recommended. Due to the high level of risk that your driving range can expect to be exposed to, business insurance should be a prerequisite to starting.
Furthermore, in some situations, certain types of insurance policies (e.g., workers’ compensation insurance) may be a legal prerequisite for your business to be able to launch legitimately.
Not necessarily. Certain exceptions may be written directly into your driving range business 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.