What is golf insurance in Australia is specialist insurance for golfers, golf clubs and golf professionals covering liability, equipment and personal accident arising from playing golf. For amateur golfers, golf insurance includes personal public liability up to $10M to $20M if your golf ball injures someone or damages property like car, window or person, plus personal accident cover if you are injured on course, plus equipment cover for clubs, bag and trolley against theft, accidental damage and loss, and sometimes hole-in-one cover for bar expenses if you get hole-in-one during competition. For golf clubs and societies, golf insurance includes public liability $20M for club events, property insurance for clubhouse and equipment, and professional indemnity for coaches. For professional golfers and coaches, it includes public liability and professional indemnity for coaching errors. Golf insurance is often included in Golf Australia membership via your golf club, which gives you $20M personal liability and personal accident cover as part of annual membership $300 to $800 club fee plus Golf Australia fee $50 to $80. Standalone golf insurance can be bought from Golf Insurance Australia, Gow-Gates, Marsh and Guild for $100 to $300 per year for amateurs. It is similar to other sports insurance but tailored to golf risks like errant balls and expensive equipment worth $2K to $5K.
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