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Sports & Recreation Sector

Bowling centers, golf courses and country clubs. Small in page count, and every one of them is three businesses in a single building: the activity, the bar, and the property.

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A participant is not a bystander, and a waiver is not a policy.

California courts read waivers narrowly, so the coverage has to stand on its own.

Participant and sports accident cover responds where general liability will not, and both these classes carry a liquor licence on top. A golf course adds two more that surprise owners: errant-ball damage to the homes next door, and chemical liability for what goes on the course.

Sports & Recreation Coverage

Participant liability, liquor, and the exposures unique to the venue.

Bowling Centers

Approach and lane slips, bar and kitchen exposure, pinsetter breakdown, and league participant cover.

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Golf Courses & Country Clubs

Errant-ball liability, cart fleet, chemical and irrigation exposure, and the event business.

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How we work

However you arrive at this page, the path from here is the same.

  1. Understand your risk

    We start with how you actually operate — your assets, your people, and the exposures that come with them.

  2. Match it to the right carrier

    We shop carriers whose appetite and specialization fit your risk, then lay the options out side by side.

  3. Stay with you

    We stay on through renewals, mid-term changes, and claims — adjusting as things change and advocating when it counts.