Golf Courses--Miniature

What Does GL Code 44069 Cover?

ISO GL class code 44069 specifically covers operations related to miniature golf courses, including the maintenance of the course, rental of equipment, and associated concession sales. This code is applied to businesses primarily engaged in providing miniature golf as a recreational activity, classifying the unique general liability exposures inherent in such entertainment venues.

Who Uses This Class Code?

This code is applicable to businesses such as standalone miniature golf courses, family fun centers featuring putt-putt, amusement parks with miniature golf attractions, and resorts offering miniature golf facilities to their guests. It specifically targets operators whose primary or significant revenue stream comes from miniature golf activities.

Common GL Claims for This Class

Common general liability claims for miniature golf courses include participant injuries such as slips and falls on wet or uneven surfaces, injuries from errant golf balls or clubs, and property damage caused by patrons to course features or adjacent property.

Coverage Tips for Code 44069

• Implement clear signage regarding course rules and potential hazards to mitigate premises liability claims from slips, trips, and falls.
• Ensure your policy includes coverage for participant liability, as injuries to players from golf clubs or course features are common.
• Regularly inspect and maintain course features, pathways, and equipment to prevent accidents and demonstrate due diligence in risk management.
• Given Florida's climate, verify your policy covers property damage from severe weather events, including wind and flood, which can impact outdoor course structures.