PRODUCT: Pin High^TM Golf Course Coverage

COMPANIES: Arbella Insurance

BEST RATING: A

AVAILABILITY: Available to appointed agents and brokers only.

FOCUS: Arbella's Pin High^TM Golf Course Coverage is tailored to meet the unique insurance needs of golf courses and country clubs. Arbella's golf course program offers robust and comprehensive property and general liability coverages for industry-specific risks and exposures and is specifically directed toward public and municipal courses, as well as private and semi-private country clubs.

“We recognized the increasing need for golf course coverage, especially during the recent years as the demand for affordable business insurance has risen," says David Zawilinski, director, commercial lines underwriting, Arbella Insurance. “Our product was launched to both meet the needs of our agents, who were looking for a customized solution for this industry, and to increase our market share in this competitive sector."

“There aren't many 'true local carriers' providing a program for golf courses and we felt we could fill that gap for our agents who were searching for an alternative to national programs or multiple carriers providing coverage through a managing general agent or broker," he adds.

COVERAGE DETAILS: The Pin High^TM endorsement consolidates three golf course property categories under one form with the ability to customize coverage limits. This contrasts with other golf programs where coverage for trees, shrubs and plants is often covered separately and priced using ISO loss costs and tee to greens coverage is afforded under a separate form.

Arbella's Pin High^TM Golf Course coverages include:

• $1 million annual aggregate coverage for golf course grounds
• Golf professional business personal property: $30,000 per occurrence
• Club member or guest personal property: $3,000 per person and $50,000 aggregate
• Key employee replacement expense: $25,000 per occurrence
• Customer inconvenience expense: $25,000 per occurrence
• Hole-in-one reimbursement expense: $250 per occurrence and $2,000 aggregate
• Golf ball property damage: $2,500 per occurrence and $25,000 aggregate
• Golf or tennis pro professional liability

Optional package coverage also includes cyber, employment practices liability insurance, liquor liability, herbicide or pesticide applicator coverage, employee benefits liability, and golf carts and course maintenance equipment.

UNDERWRITING: A completed ACORD application and supplemental application, as well as five years of currently valued loss runs are required to quote.

Insureds must enforce proper controls to ensure safety with respect to pools, golf courses, tennis courts, playgrounds, restaurants and other amenities. Professional and subcontracted services are not covered under Arbella's endorsement.

TARGET: Public and municipal golf courses, as well as private and semi-private country clubs.

COVERAGE AVAILABILITY: Massachusetts.

CONTACT: David Zawilinski, director, commercial lines underwriting, Arbella Insurance.

Will Jones is IA editor-in-chief.