Specialty Golf Insurance

What Specialty Golf Insurance does

Specialty Golf Insurance, LLC is a Minnesota-based specialty insurance program that provides excess umbrella liability coverage exclusively to golf and country clubs in the United States. The company's flagship product is a $15M excess umbrella liability policy available from a starting premium of $3,950 per year, designed to sit on top of a club's existing $6M minimum underlying coverage and to cover exposures tied to weddings and events, on-site bars and restaurants, pool and water activities, and fitness and recreation facilities. An optional Abuse & Molestation endorsement is also offered, subject to additional underwriting.

The product is distributed through a direct online application process and an agent-compatible channel that allows clubs to retain their existing insurance broker while adding the Specialty Golf umbrella layer. Underwriting and quotes are handled by insurance specialists, with rapid quote-to-bind cycles; existing clients self-serve renewals, certificates, and policy documents through a dedicated client portal. The policy paper is backed by carriers rated A.M. Best 'A' (Excellent) 'XV' with at least $2B in assets, providing financial-strength credentials typical of regulated insurance products.

The business operates as a subsidiary program under Christensen Group Insurance, a privately held Minnesota brokerage founded in 1952, which provides operational infrastructure, claims handling, and policy administration. Specialty Golf Insurance was established in 2007 with its first policy period running 2007–2008, transitioned out of its Risk Purchasing Group (RPG) structure into its current LLC form as of the March 1, 2020 renewal, and now serves over 500 participating clubs nationwide with a small team (11–50 employees).

Name

Specialty Golf Insurance

Legal name

Specialty Golf Insurance, LLC

Website

https://specialtygolfinsurance.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Specialty Golf Insurance, LLC provides excess umbrella liability coverage, up to $15M, exclusively to U.S. golf and country clubs, operating as a specialty program under Minnesota-based Christensen Group Insurance and serving over 500 clubs nationwide.

Ownership category

akta.pro rank

Product category

Specialty Commercial Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial Umbrella / Excess Liability (FSAJADAL)

akta.pro secondary industry

Commercial Umbrella Insurance (FSAJANAB)

Keywords

• Golf club insurance
• Umbrella liability coverage
• Specialty commercial insurance
• Country club liability
• Excess liability policy

Headquarters

HQ city

Eden Prairie

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales

Revenue model

1. Excess Umbrella Liability Insurance Premiums: Annual insurance premiums for excess umbrella liability coverage. Clubs pay premiums for $15M additional protection with a minimum $6M underlying coverage requirement. Pricing starts at $3,950 for $15M coverage.
2. Insurance Policy Administration: Administration of specialty insurance policies designed specifically for golf club exposures, including claims handling support through Christensen Group Insurance.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Specialty Golf Insurance provides excess umbrella liability coverage of up to $15M exclusively for golf and country clubs, requiring a minimum $6M of underlying coverage. The policy addresses golf club-specific exposures including weddings and events, bars and restaurants, pools and water activities, fitness centers, and outdoor recreation, with annual premiums starting at $3,950. Clubs may retain their existing insurance agent and add the Specialty Golf umbrella policy on top of existing coverage, with policy administration and claims handling delivered through parent partner Christensen Group Insurance.

Product overview

Specialty Golf Insurance offers a single core product: excess umbrella liability coverage providing up to $15M in protection for golf clubs. The offering requires a minimum $6M underlying coverage baseline and provides additional protection for high-risk areas including weddings/events, bars/restaurants, pools/water activities, and fitness centers. An optional Abuse & Molestation coverage addon is available for clubs meeting underwriting requirements. The company also provides a web-based online application and client portal for managing applications and policies. Coverage is backed by Christensen Group Insurance, with partner carriers rated A.M. Best 'A' (excellent) 'XV'.

Differentiator

Problem solved

Functional benefit

Products and services

• Excess Umbrella Liability Coverage $15M of additional excess umbrella liability coverage designed exclusively for golf and country clubs, requiring minimum $6M in underlying coverage (typically $1M primary general liability plus $5M umbrella). Protects against liabilities from weddings and events, bars and restaurants, pools and water activities, fitness centers, and outdoor recreation; priced from $3,950 annually.
• Online Client Portal Web-based client portal that lets golf clubs and their agents submit applications, track application status, download quotes, invoices, certificates, and loss letters, and manage multiple club accounts under a single login.
• Abuse & Molestation Coverage Add-on Optional add-on coverage for abuse and molestation exposures that follows underlying Abuse & Molestation policies, requiring minimum $6M underlying coverage and additional underwriting to verify appropriate controls.

Quantifiable outcome

• Up to $15M additional liability protection available for as low as $3,950 annually
• +1 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Christensen Group InsurancecoreStrategic or Co-development Partner · 1 January 2007Christensen Group Insurance founded in 1952, one of the largest locally owned independent insurance and employee benefits brokers in Minnesota. Partnered with a leading insurance company in 2007 to create an umbrella insurance policy specifically for golf club exposures. Provides the foundation for Specialty Golf Insurance, handling claims support, customer service, and policy administration.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• K&K Insurance Group: Specialty insurance program manager focused on sports, leisure, recreation, and fitness facilities. K&K is one of the most direct competitors to Specialty Golf Insurance, providing tailored liability and umbrella coverages to country clubs and similar venues through a program-administrator model analogous to Christensen Group's role here.
• USLI (United States Liability Insurance): Specialty carrier known for small- to mid-commercial commercial package and umbrella products, including programs targeting country clubs and recreation facilities. Directly comparable as a specialty underwriter competing for the same golf club umbrella business.

Broad incumbents

• Markel: Specialty insurer with significant exposure to sports, leisure, and recreation risks. Markel competes for golf and country club accounts through specialty underwriting teams and is comparable to Specialty Golf Insurance as a broad incumbent providing umbrella and liability solutions to the same niche.
• The Cincinnati Insurance Companies: Mid-sized commercial carrier with country club and recreation programs. Overlaps with Specialty Golf Insurance's customer base as a broader incumbent offering umbrella and commercial package solutions to golf clubs nationwide.
• Crum & Forster: Specialty commercial insurer whose products include liability and excess coverage for hospitality, sports, and recreation. Comparable as a broad incumbent writing overlapping umbrella coverages to golf and country club accounts.
• Philadelphia Insurance Companies (PHLY): Large specialty commercial carrier with established programs for golf and country clubs, recreation facilities, and hospitality. Comparable as a broad incumbent offering overlapping umbrella and commercial package coverage to the same end customer as Specialty Golf Insurance, but as part of a much wider portfolio.
• Brownyard Group: Specialty liability insurer with deep experience in hospitality, recreational, and country club exposures. Overlaps with Specialty Golf Insurance's umbrella and excess liability offerings as a broader specialty incumbent serving similar end customers.

Emerging players

• RPS (Risk Placement Services): Wholesale insurance distributor specializing in placing niche and hard-to-place risks, including country clubs and recreation facilities. Comparable as an emerging/specialty distributor that can compete for the same golf club accounts through broker relationships.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Specialty Golf Insurance