Clubs--Country or Golf

What Does GL Code 11138 Cover?

ISO GL class code 11138 covers country clubs and golf clubs that operate on a membership basis. This includes the golf course, clubhouse, dining facilities, tennis courts, pools, and other amenities typically found at private clubs.

Who Uses This Class Code?

Private country clubs, golf and country clubs, membership-based golf facilities, and private social clubs with golf operations.

Common GL Claims for This Class

Common claims include errant golf ball injuries, slip-and-fall in clubhouse, pool-related injuries, and golf cart accidents.

Coverage Tips for Code 11138

• Ensure your policy covers all club activities including golf, dining, tennis, and pool operations
• Golf cart liability is typically included but verify coverage for member-operated carts
• Liquor liability is a significant exposure for club dining and bar operations — purchase separately
• Consider umbrella/excess liability given the high-net-worth membership profile