Why golf instructors need business insurance

You most likely became a golf instructor because you have a passion for the sport, and spending your working hours outdoors probably doesn’t hurt either. However, the last thing you want to think about after giving a lesson is whether or not your student will sue you for something that occurred as a result of your instruction. That may sound sinister, but crazier things have happened, and you should take the proper steps to ensure that it doesn’t happen to you. 

If you are a self-employed golf instructor, make sure you’re aware of the risks unique to your industry and how to protect yourself against them. Here’s what you need to know. 

Why do golf instructors get sued?

Golf instructors, just like any other kind of business owner, face risks common to their industry. Those risks most common to golf instructors include claims of bodily injury or property damage, and claims of negligence.

3 Examples of lawsuits against golf instructors

1. One reason that golf instructors may face lawsuits is due to injuries on the golf course or driving range. Even if it’s not your fault, your student could sue you if they get hurt. For instance, they could blame your instruction for causing them to throw out their back. 
2. You could also be sued if you lose your client’s personal information that is protected by HIPPA. For instance, say you misplace a new student information form that consists of the home address, emergency contact and primary care physician of your client. You could be sued under these circumstances.
3. The last common reason that golf instructors may get sued is for damage to personal property. If a golf cart runs over your student’s golf bag, crushing their clubs, you could be on the hook for damages. 

What types of insurance policies are available to golf instructors?

There are two kinds of business insurance policies that golf instructors need: professional and general liability insurance. A professional liability policy protects you from claims of negligence and loss of personal information. General liability insurance will cover you for claims of bodily injury and property damage.

How can insurance help grow your golf instructor business?

If you are getting into a contract with a new club, golf course, or driving range, you may need to provide proof of insurance, known as a COI or an ACORD. With an insurance policy through Hiscox, you can get easy access to an ACORD in minutes and prove that you’re covered.

Students will appreciate knowing that you’re covered, too – it demonstrates that you operate a legitimate business and are protected if the unexpected occurs. 
Learn more about business insurance tailored for golf instructors.