Package Plus Golf Program   

The Package Plus Golf Program is unique in its structure. Not only is the General Liability rated on the more equitable basis of “ROUNDS of golf" rather than receipts, but it also provides coverage for many exposures that would be separately rated in other programs. The General Liability classification includes coverage for practice greens and driving ranges and for the use of golf carts on the grounds. Coverage for fungicide, herbicide and pesticide* application is also included in the rates. In addition, we have assembled specific Endorsements for the Package Plus Golf Program that will fill many of the needs of a privately owned public golf course. These Endorsements are automatically included in all policies.
 

1. The Masters Endorsements were developed specifically for the Package Plus Golf Program. These coverage Extensions relate directly to the operation of a golf course. Option 1 is included at no additional charge. Option 2 and Option 3 offer higher limits of coverage and are available for an additional premium charge as an optional coverage.
2. The Value Plus Supplementary Property Endorsement (VP) offers Property extensions that generally benefit a course owner. 
3. The General Liability Complete Endorsement broadens the risks liability protection.
    

Value Plus - VP
The Value Plus package Extension Endorsement; the VP broadens coverage provided by the standard Property Forms. It is included without charge as part of the Package Plus Golf Program. The VP fills coverage gaps that may exist for an insured. Its coverage is considered primary, unless the Masters Endorsement option on the policy replaces that specific Extension of coverage. Here is a summary of what the VP provides:
 

• Accounts Receivable- Provides $25,000 coverage for extra expenses incurred, interest charges on loans required to offset uncollectible accounts, and additional payments incurred to reestablish records of receivables that result from the destruction of those records by a covered Cause of Loss. $2,500 coverage for Accounts Receivable away from the premises is also provided. No deductible applies to this coverage.
•  Building Glass- A $250 deductible for a vandalism loss applies. (Coverage for glass is now included in the basic Forms, but the policy deductible applies).
• Consequential Loss to "Stock"- Provides coverage for the reduction in value of the remaining "stock," resulting from a loss to the damaged portion of "stock," from a covered Cause of Loss.
•  Debris Removal- Increases the amount of coverage provided under the Standard Property Form from $10,000 to $20,000.
  Electronic Data Processing Equipment, Data and Media Coverage- Provides coverage for loss or damage to equipment, data or media caused by a covered Cause of Loss. $25,000 equipment coverage, $10,000 media coverage and $5,000 extra expenses are provided by this Extension. Most golf courses need some EDP coverage and the limits of this Extension should be sufficient protection for most.
• Employee Dishonesty- Provides for loss of money, securities and Property, other than money and securities, caused by Employee Dishonesty. The limit of coverage provided by this Extension is $10,000. Most competitors charge extra for this coverage.
• Extra Expense- Affords reimbursement for necessary expenses that result from suspension of business operations because of direct physical loss to the insured Property from a covered loss. The limit for this coverage is $25,000.
• Fine Arts- Includes $5,000 per premises to cover damage to fine arts belonging to the insured, or in his care, resulting from a covered Cause of Loss.
• Fire Department Service Charges- Offers $10,000 coverage for service charges required by the fire department. No deductible applies to this Extension.
• Money and Securities- $10,000 on premises and $2,500 off-premises coverage is provided for theft of money from the insured premises or from a messenger. This Extension contains an exclusion for Employee Dishonesty and is subject to a $250 deductible.
• Newly Acquired or Constructed Property- The Extension increases limits for new Buildings (up to $1,000,000) or new Business Property (up to $500,000).
• Non-Owned Detached Trailers- $5,000 coverage is provided for damage to non-owned trailers that are used in your business and for which you have a contractual responsibility.
• Off-Premises Utility- Business Personal Property damaged by an interruption of electrical power or water supply services to the premises is covered for up to $25,000, if the interruption is the result of a covered Cause of Loss. Damage to overhead transmission lines is excluded. Coverage does not apply to Business Income or Extra Expense.
• Ordinance or Law Coverage- Offers coverage for the loss brought about by the enforcement of a Building or zoning law after a covered Cause of Loss occurs.
  

Masters Endorsement Option 1
Option 1: Designed to fill the needs of a golf course risk. This option is included at no additional charge and provides the following coverage’s:
 

• Golf Pro as Additional Insured- Provides coverage for the non-employee golf pro as an additional insured under the Commercial General Liability coverage. It covers the golf pro, but only with regard to his operations for the insured, for example, providing golf lessons on the insured premises and operating a pro shop.
• Aggregate Limit- Per Location Provides the General Aggregate Limit to apply separately to each location on the policy. This would be beneficial to any risk with more than one location.
• Flood Damage- $25,000 is provided for loss or damage to covered Property caused by flood, mudslide or underground water pressure. A sudden downpour can turn a minor water hazard into a roaring river, washing out the cart bridge and preventing use of that hole. This coverage assists the owner with necessary repairs.
• Fungicide, Herbicide or Pesticide* Application- This Extension deletes the pollution exclusion from the Commercial General Liability with respect to operations performed for the insured by a certified or registered fungicide, herbicide or pesticide applicator.
• Golf Carts and Maintenance Equipment- Coverage is included for damage to golf carts or maintenance equipment used on the golf course premises. Damage must be caused by a covered Cause of Loss. The limit for this Extension is $50,000, regardless of how many items are damaged in one occurrence.
• Golf Course Grounds (“Tee to Green”)- Coverage is provided for the course grounds (including tee, fairway and green areas) up to a limit of $10,000 per hole with a maximum limit of $180,000 per occurrence.
• Golf Facilities Loss of Income-Provides coverage for the actual loss sustained that result from suspension of business operations due to a direct physical loss to the insured premises caused by a covered Cause of Loss. The limit for this extension is $100,000, or a restoration period of 120 days, whichever is less.
• Golf Specific Property-Coverage is extended to the outdoor property usual to a golf course premises damaged by a covered Cause of Loss. The limit for this Extension is $50,000.
  Ball washers, flagpoles and irrigation piping sound like small items but they can add up in a loss.
• Property Damage from Errant Golf Balls-$250 per person and $25,000 aggregate coverage is included. This will cover damage to Property of Others and vehicles of others caused by a misdirected golf shot made on the insured's premises. No deductible applies to this Extension.
  Spoilage-$5,000 food spoilage coverage is provided to cover loss of food resulting from utility failure at the insured location. No deductible applies to this Extension.
   

Masters Endorsement Option 2
Option 2: provides coverage’s identical to Option 1 with the exception of the following:
Premium: $500 for the first location; $250 for each additional location on the policy.
 

• Employee Dishonesty-Provides for loss of money, securities and Property, other than money and securities, caused by Employee Dishonesty. This will increase the limit of coverage provided under the VP to $17,500.
• Golf Carts and Maintenance Equipment-The limit is increased to $100,000.
• Golf Course Grounds-Coverage is increased to a limit of $25,000 per hole. The Occurrence Limit remains the same with a maximum limit of $180,000.
• Golf Facilities Loss of Income-The limit is increased to $125,000, or a restoration period of 150 days, whichever is less.
• Golf Specific Property-The limit is increased to $100,000.
• Money and Securities-The VP coverage is increased to cover up to $15,000 on premises and $5,000 off-premises coverage for theft of money from the insured premises or from a messenger. This Extension contains an exclusion for Employee Dishonesty and is subject to a $250 deductible.
• Personal Effects and Property of Others-The limit is increased to $1,500 for Property owned by any one individual with a total limit of $15,000. A $100 deductible applies.
• Property Damage from Errant Golf Balls-Coverage is increased to $500 per person. The Aggregate Limit remains the same at $25,000.
   

 Masters Endorsement Option 3
Option 3: provides coverage’s identical to Option 1 with the exception of the following:
Premium of: $1,000 for the first location; $500 for each additional location on the policy.
 

• Employee Dishonesty- Provides for loss of money, securities and Property, other than money and securities, caused by Employee Dishonesty. This will increase the limit of coverage provided under the VP to $25,000.
• Golf Carts and Maintenance Equipment-The limit is increased to $250,000.
• Golf Course Grounds- Coverage is increased to a limit of $50,000 per hole. The Occurrence Limit remains the same with a maximum limit of $180,000.
• Golf Facilities Loss of Income- The limit is increased to $150,000, or a restoration period of 180 days, whichever is less.
• Golf Specific Property- The limit is increased to $200,000.
• Money and Securities- The VP coverage is increased to cover up to $20,000 on premises and $10,000 off-premises coverage for theft of money from the insured premises or from a messenger. This Extension contains an exclusion for Employee Dishonesty and is subject to a $250 deductible.
• Personal Effects and Property of Others- The limit is increased to $2,000 for Property owned by any one individual with a total limit of
  $20,000. A $100 deductible applies.
• Property Damage from Errant Golf Balls- Coverage is increased to $1,000 per person. The Aggregate Limit remains the same at
  $25,000.
   

General Liability Complete Endorsement
The General Liability Complete Endorsement expands coverage provided under the Commercial General Liability section of a Package Policy. This Endorsement is provided free of charge on the Package Plus Golf Program. The General Liability Complete Endorsement includes the following:

• Additional Insured- By Contract, Agreement or Permit The "Who Is An Insured" provision is automatically extended to cover any organization the insured is under written contract to add as an additional insured. The coverage is applicable on a primary basis.
• Additional Insured- Vendors provides coverage to vendors where the insured, under a written contract or agreement, is required to add the vendor as an additional insured.
• Duties in the Event of Occurrence- The insured will be considered to have knowledge of an occurrence only after the loss is reported to an owner, partner, officer, risk manager or insurance manager. Also, the notice of loss, claim or suit requirement will not apply until such claim or suit is actually known to an owner, partner, officer, risk manager or insurance manager. For the owner, this eliminates the concern that the first person to discover a loss may not know the requirements of the insurance contract.
• Fire, Lightning or Explosion Damage- Damage to Premises Rented to You coverage is broadened to provide property damage coverage for the additional perils of lightning and explosion, and is increased from $100,000 to a limit of $300,000.
• Incidental Medical Malpractice Liability- Coverage is broadened to cover the insured for any employees who provide incidental medical procedures, unless the insured is in the business of providing such services.
• Insured Contract- The definition of Insured Contract is replaced with specific wording.
• Liberalization- If this Endorsement is revised to provide broader coverage without a premium charge, the revised coverage will be provided to insureds with policies containing the original Endorsement Form. If we amend this Extension Endorsement to expand coverage or to increase limits, the insured will automatically get the benefit of the improved coverage, as long as no Additional premium charge is related to the change.

For pricing, coverage details or request a consultation please call  800-382-1470 or E-mail us at info@eatoninsuranceservices.com so we can tailor a package for you.