Running a miniature golf course can provide both children and adults with fun and entertainment, but it also comes with certain risks and liabilities. In this article, you can find information regarding the types of insurance coverages miniature golf courses may want to look into, factors that may impact the cost of such insurance, and other insurance considerations.

Requesting Quotes for Your Miniature Golf Course  

To help protect the investment you have made into your business, you should be sure to have appropriate insurance coverage. To get a quote for your mini golf course, you can submit a request through our form here. If you prefer to call someone to start the quoting process, you can see a list of our offices and contact numbers here.

Coverages Miniature Golf Courses Should Consider

There is no “one-size-fits-all” approach to insurance, as each mini golf course and the amenities it provides are unique. That said, there are some common coverages that every mini golf course should consider. Below are some examples of insurance options that we can help you explore. Additional types of coverage may also be available, so don’t hesitate to reach out to one of our experienced agents for more information.  

Commercial Property Insurance

Commercial property insurance is something every course should consider. Commercial property insurance can cover your buildings, course, course props, and even some landscaping features.

General Liability for Your Miniature Golf Course

General liability insurance can help to provide your business with protection for certain third-party liability claims related to your business operations, such as a guest injuring themselves as the result of a trip-and-fall accident on your course. General liability can also include coverage for certain types of personal and advertising injuries, such as claims for defamation or copyright infringement.

Product Recall and Product Liability

Many miniature golf courses also sell food, such as ice cream, burgers, hot dogs and the like. Selling food to customers presents a significant risk for any business. Product recall insurance can help to cover certain costs that you may incur if your food products are part of a covered product recall claim, such as:

• Retrieval costs
• Storage costs
• Disposal costs
• Replacement costs

Product liability coverage may also be available to help cover costs associated with customers who are injured or become ill as a result of ingesting a defective product.

Liquor Liability for Golf Courses

In addition to ice cream and other treats, some mini golf courses sell alcohol. If you are a miniature golf course that offers alcohol, having liquor liability coverage is something you ought to seriously consider. Liquor liability coverage can help provide your business with coverage for claims of bodily injury or property damage for which it may become liable as a result of serving alcohol to an intoxicated customer. This type of policy may cover settlements, legal costs, and medical expenses.

Workers’ Compensation Insurance for Mini Golf Employees

Miniature golf courses take more than one employee to operate smoothly, and as a business with employees, workers’ compensation insurance may be legally required. Workers’ comp can help cover medical bills for employees who are injured or become ill because of work related events. It can also help cover a portion of lost wages while they are recovering.

Cyber Coverages

Miniature golf courses, along with many other businesses, are increasingly reliant on technology. As customers regularly pay for goods and services with debit and credit cards rather than cash, the need to protect your and your customers’ personal information becomes increasingly important.

How Much is Insurance for a Miniature Golf Course?  

Regardless of whether your miniature golf course is part of a large chain or is an independent small business, budgeting and finding the right insurance for you is an important aspect to take into consideration. When you reach out to us, we will gather information on the types of policies and coverages you may be looking for so we can provide you with appropriate quotes. The following are some common factors that can influence the cost of insurance when obtaining a quote:

• The size of your business
• Number of employees you have
• The location(s) of your business
• Whether or not your business serves food or alcohol
• Claims history

These, and other factors, can help determine what you will pay for insurance premiums. To get a picture of what it could cost to insure your mini golf course, you can request a quote from us.

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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.