Golf Course Insurance Virginia

Golf Course

Holley Insurance has partnered with Erie Insurance to provide outstanding coverage for Golf Courses in Virginia.

At Erie Insurance, it’s been their commitment since 1925 to provide their Policyholders with the best possible service and protection at the lowest possible cost. In order to provide you with the best possible protection, ERIE offers the Golf Course ERIEplaceable Enhancements.

This special endorsement tailors the policy to meet the unique needs of golf courses. And because it’s packaged in an all-in one endorsement, we are able to offer it to you at the lowest possible cost. The policy deductible applies to coverages in the endorsement unless a separate deductible is noted.

You have $100,000 Blanket Coverage limit for use at the time of a covered loss for one or a combination of the following coverages:

Fine Arts Accounts Receivable Business Personal Property Temporarily Off-Premises Debris Removal

Electronic Data Processing— Mechanical and Electrical Breakdown Valuable Papers and Records Transportation

This limit is over and above the limits provided for these individual coverages in the Extensions of Coverage contained in the UltraflexSM policy.

Here are some of the reasons why you may need the Golf Course ERIEplaceable Enhancements.

Is it covered?	…Yes, it is!
A golf ball slices into the parking lot and breaks a member’s windshield.	Vehicle Damage — pays up to $1,000 for damage to an automobile, not owned by you, at the premises described on the Declarations.
A cart/foot bridge is demolished by a tree blown over in a windstorm.	Bridges, Roads, Flags, Tee Markers and Other Golf Course Property — pays up to $25,000 for losses from specific insured perils to walks, patios, ball washers, retaining walls, benches, in-ground sprinkler systems, underground wiring, bells and the property mentioned in the coverage title.
Vandals break into the grounds keeper’s storage garage and inflict damage to several pieces of mowing equipment.	Mobile Equipment — pays up to $25,000 for any one loss or damage to mobile equipment caused by an insured peril. Mobile equipment includes vehicles used at the premises described on the Declarations to service your golf course.
A covered loss to the business also damages an employee’s personal property.	Personal Articles — Your coverage for Personal Articles is increased from $5,000 to $10,000 for any one loss.
Temporary electric lines have to be run to a storage shed to charge electric golf carts while repairs are made to the lightning damage in the regular cart garage.	Extra Expense — pays up to $10,000 for extra expense due to interruption of business resulting directly from a covered loss to covered buildings, business personal property or personal property of others. No deductible applies to this coverage.
A total fire loss at the Pro Shop destroys the entire summer inventory. The value of the inventory exceeds the Business Personal Property limit stated on the Declarations by 10%.	Peak Season Coverage — pays up to 25% of the limit of coverage for Business Personal Property and the Personal Property of Others during a peak season.
The Pro Shop’s products are damaged when a sewer backs up and floods the basement storage room.	Sewer and Drain Back-Up — Pays up to $5,000 for any one loss caused by sewage or water which backs up through the drains or sewers. This coverage is subject to a $500 deductible separate from the policy deductible.
The golf course is burglarized and cash is stolen from an office safe.	Money and Securities — Your coverage for money and securities is increased from $1,000 to $5,000 for any one loss.
The day’s credit card slips are destroyed by rain after a fallen limb breaks the window in the office.	Credit Card Slips — Pays up to $5,000 for loss or damage to credit card slips caused by an insured peril at the premises described on the Declarations.
A newly constructed and recently planted green is badly damaged during a hailstorm.	Trees, Shrubs, Lawns and Plants — coverage is increased from $5,000 to $25,000 for any one loss. The limitation of $2,500 for any one loss to lawns is eliminated. Coverage is extended to include golf course greens, tee areas, fairways, fairway rough, sand traps and practice driving ranges.

This endorsement also increases the limits for Expenses for Loss Adjustment from $1,000 to $5,000, increases Medical Payments coverage from $5,000 to $10,000, adds $25,000 of Utility Services—Direct Damage coverage and adds $15,000 in Leasehold Interest coverage.

General Liability 
We can also provide Virginia golf courses with liability coverage.  We can cover anything from a simple slip and fall to events held at your clubhouse.

We can provide coverage limits of $1 million per occurrence / $2 million aggregate with the option to purchase an additional $4 million umbrella.

Obtaining a FREE quick quote is as easy as 1…2…3!

1. Dowload our EZ APP
2. Fill in the information
3. Fax or email it to us.  Our contact info is on the bottom of the form.

Do Not Wait!  We have saved our clients as much as $5000 a year!

Business Property

Let us find the right coverage for you.  We will work to provide your business with superior coverage for your business property.  We can cover your:

• Buildings (Clubhouse, Pro Shop, Storage Buildings, etc.)
• Stock held for sale in the Pro Shop
• Office Equipment / Furniture
• Income Protection
• Carts
• Tools
• …and more!

Workers Compensation

If your employees are injured on the job or develop employment-related illnesses, they are most likely eligible to collect workers’ compensation benefits. As an employer, the law requires that you provide some way of assuring benefits to these workers.

Our Workers Compensation and Employers Liability program provides coverage to comply with the workers compensation law of your state and loss control services to mitigate or prevent work-related accidents.

Commercial Auto

Our Commercial Auto Insurance Policy meets the specific needs of Electronic Security Dealers and Installers. When it comes to commercial auto insurance, we have a variety of coverages to make sure you stay protected.

• Owned Autos – provides protection for claims arising out of ownership.
• Hired Autos – provides protection for a vehicle you or your employee rent or borrow for business.
• Non-Owned Autos – provides protection for partners, employees, or members of households using the vehicle for your business or personal affairs.
• Temporary Substitute Autos – provides protection when your owned auto is disabled and you’re using another vehicle temporarily.
• Newly Acquired Autos – provides protection for new or additional autos acquired during the policy period.
• Light Trailers – provides protection for trailers designed for highway use weighing 3.500 pounds or less pulled by a truck or private passenger auto.

If you are interested in obtaining more information, contact us today or simply fill out our EZ APP and we will get to work for you right away.