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Australia’s leading golf-specific insurance and finance provider Golf Business Australia (GBA) is celebrating five years in the trade by tallying over 100 golf clubs and facilities to their budding clientele. 

The Sydney based company has provided golf clubs and facilitates with cost-effective and broad coverage insurance solutions since 2016, and is the fastest growing insurance broker in its field.

Through partnerships with golf industry experts and government bodies, including the [PGA of Australia](https://www.golfindustrycentral.com.au/golf-industry-news/golf-business-australia-renews-partnership-with-pga-of-australia/), [Golf NSW](https://www.golfindustrycentral.com.au/golf-industry-news/golf-business-australia-become-golf-nsw-partner/) and [ePar](https://epar.com.au/). GBA is able to tailor strategy solutions for a broad range of clients and provide them with intimate golf insurance market knowledge.

The raft of industry customers extends beyond traditional golf club and pro shops, with the company now also servicing contemporary golf facilities including driving ranges, indoor golf venues, golf community clubs and more.

“We want our value proposition to extend beyond insurance expertise via working partnerships with like-minded peers, to improve a facilities risk profile and negotiate more favourable insurance premiums as a result,” explains Managing Director Daniel Bateup.

Bateup is a skilled golf industry risk management strategist with over 10 years’ experience insuring the golf industry. He is well acquainted with the challenges clubs are facing around Australia and is regularly out on field visits to his clients.

“As your insurance partner, we believe in interaction and providing on-going risk management advice to assist you in eliminating and reducing the risks associated with your club’s activities.”

“With GBA you’re getting more than just experienced golf industry insurance advice, you’re getting a risk management partner with a plan.”

“GBA clients are more than just a number- they are a partner in business.”

Moving into their sixth year in the business, GBA’s priority is and has always been to provide partnering clubs, big or small, with best-in-class risk solutions.

The company is able to do so by engaging in the community, on the course, and in the pro shops.

“These interactions result in better quality insurance solutions because we understand exactly what it is you do, the risks involved and how to match the right level of cover at a price that is affordable,” says Bateup.

We operate in the same network as your business, and more importantly, your clients. By keeping in touch with about your organisation as it grows and changes over time we can advise on any relevant changes you may require to your cover as a result.

GBA believes in a united industry front, so if you have existing or upcoming insurance needs don’t hesitate to get in touch.

If you would like to talk about your business’s insurance & finance needs, however big or small, give Daniel a call on 1300 852 025 OR visit [www.golfbusinessaustralia.com.au/](http://bit.ly/2GR1PgZ) and get a quote today!

![](/images/post36-our-clients.png)


100+ Golf Facilities Protected by Golf Business Australia– Australia’s #1 Golf Insurance Specialist

**Don't let your insurance be your handicap.**

It’s an inconvenient truth for golf clubs and pro shop businesses in Australia today that there’s a lack of options for industry specific insurance protection. Unfortunately, many of the available coverages are packaged as a one-size-fits-all policy.

These insurance policies pay little to no regard to your actual business and won't respond to many of the risks that you have in your golf business.

So we've decided to approach the game differently.

At Golf Business Australia, we love golf and have built our business around protecting the golf industry and the people in it. We believe businesses thrive when people have the confidence to do what they love and operate like they should.

As a golf specialist insurance provider, we protect the passions of golf clubs and pro shops around the country, and provide sound advice and a selection of insurance covers to suit most businesses.

**How do we do it?**

GBA’s priority has always been to provide our partnering clubs, big or small, with best-in-class risk solutions. We do this through engaging in the community, on the course, and in the pro shops.

These interactions help us deliver better quality insurance solutions because we understand exactly what it is you do, the risks involved and how to match the right level of cover at a price that is affordable.

We want our value proposition to extend beyond insurance expertise via working partnerships with like-minded peers, to improve a facilities risk profile and negotiate more favourable insurance premiums as a result.

As your insurance partner, we believe in an interactional relationship and provide on-going risk management advice to assist you in eliminating and reducing the risks associated with your club’s activities.

We operate in the same network as your business, and more importantly, your clients. By keeping in touch with about your organisation as it grows and changes over time we can advise on any relevant changes you may require to your cover as a result.

Our interactional approach has gained invaluable partnerships with industry peers such as [Martin Minett](http://martinminett.com.au/), Business Interruption specialists, and other golf industry risk pioneers such as [Epar](https://epar.com.au/), [Country Club Intl](https://www.countryclub.com.au/) and [Employsure](https://employsure.com.au/), to deliver an end-to-end risk solution for our clients.

Our passion is assisting other golf businesses to achieve success in theirs through our value-adding products and qualified, experienced service. If the industry wins, we win, SIMPLE!

What are you getting with GBA?

\-We believe in partnerships & interactions, NOT transactions!

\-We assist on ANY outstanding claims matters through to satisfactory settlement.

\-We address cover concerns recognised in your current and quoted insurance program

\-We provide priority first-class service and ongoing experienced advice.

\-We maintain unrivalled insurance protection at the markets most competitive premiums.

\-We introduce innovative finance solutions aimed to reduce costs and add value to your club.

\-We promote and support your club via social media & our industry network.

GBA believes in a united industry front, if you have existing or upcoming insurance needs and could use some added time to weather the storm, let us help!


An interactional, not transactional insurance partner for your golf business

**Needless to say, since coronavirus entered the world scene in early 2020 things have had to change. This includes golf. The way we play it, and the way we spectate it.**

It’s only a few months ago stringent Covid-19 restrictions forced professional golf tournaments around the world on hiatus indefinitely. Gratefully, although a pandemic-shuffled tour schedule, the year’s first and only PGA major has ushered back the sport in a major way.

There were no spectators present at [TPC Harding Park ](https://tpc.com/hardingpark/)last week, but the millions who watched on TV and through live streaming had a bittersweet taste of what the future of the sport may look like.

## Social distancing rules

Viruses are a fiddly thing. They spread like wildfire and are tough to protect against.

Restrictions have been needed to contain the spread. This has cause upheaval in our ordinary lives and we have had to pivot around the way we normally do things. The phrase “social distancing” has forever made its way into our day-to-day vocabulary.

The restrictions on public gatherings, to ensure social distancing, have caused major disturbance across this year’s Tour’s schedule. The constraints forced officials to cancel July’s British Open and to shift the PGA Championship from May to August. The US Open was also shuffled from June to September and the Masters from April to November.

And even though Australia has now been able to ease most of these restrictions (Victoria excluded) there are still many factors at play before we get back to our regular calendar of major public events.

The vast majority of the industry agrees that if golf, or any sport for the matter, can carry on during this pandemic, it will be without fans.

Also read: [Is The Digital Scorecard Revolution Here To Stay?](https://www.golfindustrycentral.com.au/golf-industry-news/is-the-digital-scorecard-revolution-here-to-stay/)

## Silence, please

The 102nd PGA Championship played on the weekend (August 6-9), taken out by Collin Morikawa, was not only viewed as a triumph for him, but for the PGA of America and sports fans everywhere. While Covid-19 still lingers, this championship was a major step toward normalcy. For players and for viewers.

There may not have been any spectators, but the millions who watched from a safe distance on TV and through live streaming were still able to watch Morikawa hit one of the greatest shots in the history of golf.

And it was a product of what tournament officials and the Tour have been planning for – a TV-only sport and a fundamentally different product to what we’re used to.

![](/images/post27-sounds.jpg)

The lack of crowd noise has forced broadcasts to get creative, in golf as well as other sporting events. For instance, Germany’s top football league the Bundesliga has a sound engineer pipe ‘fake’ crowd noise into the broadcast to create atmosphere for players and spectators. The AFL has had similar effects in discussion.

In golf some broadcasters have filled the audio void with mic’d up players during their rounds as well as “confession cams” where players can answer a question mid-round.

The results have been mixed, according to Golf Digest.

Also read: [105th Australian Open has been postponed to 2021](https://www.golfindustrycentral.com.au/golf-industry-news/105th-australian-open-has-been-postponed-to-2021/)

## How will the new format impact players?

Some pros have been anticipating an atmosphere like they had in college, with no fans and a lack of energy the crowd usually brings.

“That will be really weird,” said Erik van Rooyen ahead of the PGA Championship on the weekend. “I haven’t played a million majors yet, so I’m still always in awe of the crowds and the atmosphere. Will be very strange to not have that \[at Harding Park], and I’m not sure it will really have that major feel.”

“You miss the positivity, the energy,” said Martin Kaymer, whose round of 4-under 66 put him within one of the lead after the morning action Thursday. “But you have to create it somehow yourself.”

While the absence of spectators and the presence of masks and hand sanitizers has a new and uncomfortable feel for many, other just wants to get on with the game.

“I’ve played in tournaments where there’s nobody around so it’s kind of normal for me,” said Jeff Hart, one of the 20 club pros in the field last week.

“It’s just different,” Tiger Woods said. “That’s probably the only way to say it. This is what we’re going to have to get used to in the near future, and for probably for a while.”

“Maybe \[it’s] a little easier, if anything, just because you’re not worrying about crowd noise, or telling someone to be quiet, or moving in your guy’s swing. There’s none of that, for the time being. But other than that, I haven’t noticed a huge difference in my job or our routine.”

## Sports around the world

As various sports leagues and tournaments around the world are now slowly making a come back, the way forward isn’t crystal clear.

In America, the NBA and Major League Baseball plans to resume will initially not include fans in the stands and the NFL and college football are still wrestling with whether their seasons this fall can include fans in attendance.

But some sports and organisers seem to be moving quicker than others. NASCAR’s top series has already held 10 races over the past month. The All-Star Race on July 15, moved to Bristol, Tenn., from Charlotte Motor Speedway, allowed up to [30,000 in the stands](https://www.msn.com/en-au/news/world/nascar-moves-all-star-race-to-bristol-plans-for-30000-fans/ar-BB15x8CF).

**How could it possibly be safe, you might ask?**

“It’s not that hard,” said Charlotte Motor Speedway executive vice president Greg Walter. He is convinced that sports can proceed although in a vastly different manner. “We are over-thinking it. It’s common sense. It’s attention to detail. But it’s really not that hard.”

Every procedure — from how fans enter and leave a venue or arena, to where they sit, to how they get tickets or get food and beverages — must be reviewed and pivoted, according to Walter.

He believes the hardest part will be satisfying fans’ concerns about catching the virus, and showing commitment to putting measures in place to protect people from getting sick.

If we want sports to return, and if we want life to return to some sense of normalcy, we have to accept that things will have to be done differently, and that it is the new normal.

Event organisers will have to make sure soap dispensers don’t run empty and that people are wearing face mask and keeping the distance.

**Other changes will be more complicated.**

How are we going to avoid making hundred or thousands of people waiting on public transport after the event? How are we going to avoid hour-long delays at entry when having to temperature-check patrons entering the premises? And how are we going to manage the contact tracing and distancing requirements, all while keeping evenst running on schedule?

These types of scenarios may not seem to have a practical solution right now. But, these are questions which we need answers to in order for the sports to return again.

![](/images/post27-crowd.jpg)

## What about Ryder Cup?

Just as the industry agrees that spectators must not be present during some major events during the pandemic, the industry also agrees that some events might not suit a crowd-less format.

Players and organisers alike has understood that holding a Ryder Cup without spectators would remove one of the central elements of the competition.

“It goes without saying, really, that we’re hopeful that we can do it with fans, but that remains to be seen,” PGA of America Seth Waugh told Golf Digest.

“If we can’t have fans, I think we have to kind of go back to the drawing board and talk about it at length. The Ryder Cup is unique. I mean, every event needs fans and every major needs fans. But certainly our event or the Masters would not be the same. The Ryder Cup is all about the fans.”

The organisers have considered all options, including playing with a limited attendance, but the event’s stakeholders and some players agrees, a crowd-less format would dilute the magic of the occasion.

“The players are the ones that make the Ryder Cup,” said Rory McIlroy. “If they are not on board with it and don’t want to play then there is no Ryder Cup. “I see it being [pushed back until 2021](https://www.golfdigest.com/story/ryder-cup-postponed-until-2021) and, honestly, I think that will be the right call.”

The full ramifications of crowd restrictions may yet to be fully evaluated, for players, and viewers. But last week should still be viewed a major step forward in the sport’s future viability and give some hope for the year’s remaining events.

Hopefully, when people look back on the first major golf championship after the Covid-19 restrictions eased, they will remember people’s, player’s and organiser’s tenacity in keeping the game on it’s feet, crowd or no crowd.

## **Covid-19 impacted golf events:**

The Masters at Augusta National Golf Club has been rescheduled for Nov. 12-15 from April 9-12.

The U.S. Open at Winged Foot Golf Club, Mamaroneck, New York, is rescheduled to Sept. 17-20 from June 8-21.

The Ladies Professional Golf Association (LPGA) has cancelled the Dow Great Lakes Bay Invitational from July 15-18 due to the pandemic.

The Women’s PGA Championship has been postponed from late June to Oct. 8-11.

The Australian PGA Championship will take place at the Royal Queensland Golf Club from Dec. 3-6.

Golf’s Asian Tour said it is planning to resume its 2020 season in September with the Shinhan Donghae Open in South Korea.


Are crowd-less golf events the new normal?

**Who ever said that golf is not a contact sport has clearly never been struck by a golf ball.**

FORE!!!

Imagine you had a busy week at work so you got distracted, or your hands were a bit shaky or your vision blurred after a few too many cold ones at the clubhouse. So you shank your tee shot (to the great amusement of your mates), and unintentionally send an errant golf ball flying through the air and into the woods, like a war missile. Heartbreakingly you watch it descend, shattering the kitchen windows of one of the nearby residential units along the Fairway. Ouch! This is going to hurt your wallet.

Golf courses increasingly find themselves surrounded by more intensive housing and busier roads, which inevitable increases the risk of damage which you as a player might be liable. Courts have universally rejected the defense that the neighbour brought the nuisance upon himself and rules that a landowner is entitled to the enjoyment of his property, including freedom from golf balls replicating surface-to-air projectiles.

The golf course owner should be just as concerned. The law on liability resulting from injuries caused by errant golf balls is not clear and the damage to the golf course owner could be financial and substantial. The owner's liability depends, however, on the circumstances of each case.

**Now, imagine even worse; your soaring golf ball commits the ultimate sin and hits another player in the head. Ouch! **

Most golfers are well aware of the risk of oncoming golf balls hitting you in the head when out on the course, but few would know that the injury rate is in fact 1.8 per 1,000.

According to [Golf Digest](http://www.golfdigest.com/story/getting-hit-smith-061999), some 40,000 golfers visit emergency rooms each year after being injured on the course, usually due to wayward golf balls and dislodged club heads. Terrifying enough, even though rare, there’s even reportings of golf course accidents which have been fatal. This may also happen to a passerby, spectator, or neighbor of the golf course.

Furthermore, Golf.com recently reported that between 16-41 percent of amateur golfers are injured by golf balls annually, which has now caused for a UK based proposal by insurance companies to require golfers to wear crash helmets when playing golf **in order to reduce the financial burden of injuries. **

A spokesperson for the agency said thousands of pounds are paid out in golf related injuries, especially head injuries caused by errant golf balls, and that the sport now needs to take greater precautions and put safety measures in place.** **

The UK helmet campaign could be considered a tongue in cheek proposal that sugarcoats a serious issue with dire consequences.

Whilst wearing a helmet on course might seem ridiculous to most, increased cases of serious injury or death on (or around) Australian golf courses would suggest having steadfast insurance is vital. And golf ball incidents only scratches the surface – Swinging golf clubs, rolling golf carts and horseplay around the course can all cause considerable damage to people and property ­– which is why golf insurance is critical.

**Golf Clubs need to be aware of risk and manage it effectively.  **

Golf Business Australia (GBA), Australia’s premium provider of golf industry insurance, has teamed up with Epar & Country Club International among others to deliver an end-to-end risk solution for its partnering clubs.

Our premium range of golf insurance products aim to offer a total golfing peace of mind – whether you are looking for golf insurance for your golf equipment, insurance cover for your buggy or that all important on course third party liability protection, GBA got you covered!

Call one of our dedicated professionals today on 1300 852 025 or fill out the form on our [website](http://www.golfbusinessaustralia.com.au/) and we’ll be in touch to start your journey soon.


Are you protected from bad tee shots? Make sure you cover your ass(ets)

Wish as we might, mulligans don’t exist.

We can curse & practice swing in retrospect but the fact remains our ball is submerged on the muddy floor of an all too familiar hazard. We know it’s there so why, every week, do we end up scoop in hand trying to salvage our overpriced tour ball?

How many balls did you hit with your coach at the practice range last week? “Coach?! I’m not a pro” EXACTLY! Tour professionals spend the best part of their week preparing at the range with their trusted swing advisor so, more often than not, they are splitting the fairway & avoiding the hazards.

Just for a moment, say you employed a coach. Wouldn’t it be nice standing on the tee, water hazard to the left & bunkers on your right but the only thought you have is what club you’re going to hit next from the middle of the fairway after you smash a drive dead centre?

You’ve done it! As your ball sails through the air you know already it’s perfect & it comes to rest on the short grass. Hazards averted, why? Because preparation gave you peace of mind, gave you confidence & all you had to do was swing the club.

When you’ve been advising customers on risk management & insurance programs for several years you start to realise that as a priority it just doesn’t rank on the first page. It’s therefore rarely seen as value adding to a business but one thing remains consistent & that’s people would always rather be playing from the fairway (financial security) than suffering in the hazard (financial ruin)

**Here’s my top five musts when insuring your golf business/facility;**

**1.** Engage a broker/advisor. You wouldn’t attempt to rewire your own home, so don’t try to navigate the insurance minefield.Leave it up to a qualified professional!

**2.** Take the time to understand your insurance program. Once prepared your broker should be able to demonstrate the strengths & any deficiencies in your cover.

**3.** Annually review your sums insured. Under-insurance is a common issue that leaves many out of pocket. I suggest completing systematic property valuations, inventory stock-takes & financial audits to best safeguard your business

**4.** Inquire about ways to reduce your premium WITHOUT sacrificing cover. Consider higher excesses on certain insurances or implement risk management strategies to demonstrate to your insurer you present a reduced risk.

**5.** Don’t be afraid to make a claim, it’s why you have insurance!

***

**"It wont happen to me"... But what if it does?!**

 

**Case Study #1 Nelson Bay Golf Club, Australia**

A fire in September 2015 all but demolished this iconic Australian club of 55 years. Fast forward to December 2016 & rebuilding efforts are far from complete.

<http://www.golf.org.au/newsdisplay/fire-guts-nelson-bay-clubhouse/87501>

**Case Study #2 Jacks Point Golf Club, New Zealand**

<https://youtu.be/72YOqaU6m1s>

A spot fire turns into an inferno at this picturesque golf club. Events due to be held at the clubhouse where cancelled for the next 12 months whilst rebuilding.

**Case Study #3 Warringah Golf Club, Australia**

<https://pesticides.australianmap.net/2001-warringah-golf-course-10000-dead-fish/>

A Sydney golf club was yesterday ordered to pay $600,000 for its role in an environmental disaster that killed more than 10,000 fish, as well as numerous ducks and other wildlife.

**Case Study # 4 Gardens Park Golf Links, Australia**

<http://www.abc.net.au/news/2016-04-21/death-of-man-struck-by-tree-branch-preventable-says-coroner/7345302>

Tree falls on course killing man. Does Liability lie with the golf club or the government who own the land? Needless to say both would have been quick to speak to their insurance advisor.


Avoiding The Hazards

If there’s one thing I’ve learnt from my time in the industry, it’s that your business brand drives your sales, which drives your profit.

The brand, and the image associated with the brand, are two of the driving forces which pushed Bentley Motors to launch its own line of golf clubs and accessories at the PGA Merchandise Show in January this year.

Bentley. What do you think of when you read that word?

I think of style, sophistication and to acknowledge the pink elephant in the room, I think of dollars.

Now there’s a strong brand if I ever saw one. The 96-year-old British carmaker has managed to create an image which carries the suave and class of its target demographic in just one word.

Now as expected, these Bentley golf clubs come at a price. A standard set of eight irons ( 3-pitching wedge) will set you back about $3500. Add on a driver for $750 and a putter for $500 and you’re ready to go. Let’s not forget about all those extra add-ons Bentley have been so kind to think of, including custom-made $10,000 shafts and alligator skin grips.

I think I can safely say that I’ll be very excited to see these products out on the golf course and how they measure up to other clubs already established on the market.

It will be interesting to hear of user feedback from the Bentley merchandise and if Golf clubs in Australia start stocking the equipment for their members.

I’m still amazed that the Bentley brand has jumped from the motor industry to the golfing industry - it’s fantastic.

Golf Business Australia will be keeping an eye on the products, who knows, next we could be seeing Bentley Golf Carts. I’d be very interested to know your thoughts on this product launch. Let me know.


Bentley branding takes flight

***Board Members may be personally liable** **for decisions made on behalf of the association or organisation – make sure you’re covered!***

If you are a board or committee member of an association or not-for-profit organisation (NGO) you can be held personally liable for decisions made on behalf of that association. The consequences can lead to civil, or even criminal action. The continued safety of staff, members, suppliers and guests is paramount.

Associations and NGOs and their office bearers and employees may be exposed to a variety of risks arising from their services and the management of the association.

Many of these bodies run on a thin operating margin. A sudden liability or loss can, therefore, be devastating to the business, and subsequently compromise the personal assets of your directors and management team.

*It’s vital you don’t take the risk of operating without the security of proper cover.*

[**Golf Business Australia**](http://www.golfbusinessaustralia.com.au/) (GBA), one of Australia’s leading golf insurers, and \*\*industry leader in EHS (Environment, Health & Safety) management [**epar** ](https://eparconnect.com/)have combined forces in an effort to protect against such risks present to associations and board members.

**WHAT IS ASSOCIATION LIABILITY?**

As a board or committee member, you are at risk of expensive litigation arising from the provision of services to their members or the public. You may also be at risk of increased litigation costs and corporate governance requirements.

Once an association or organisation is registered, its separate legal status, property, rights and liabilities continue until the company is officially deregistered by ASIC. However, even after the business has ceased trading and has been deregistered, obligations as a board or committee member may continue.

A fundamental duty of a company director is to cease trade while a company is insolvent. Therefore, under certain circumstances, directors may be personably liable for debts incurred by the company if the company is unable to pay those debts.

*So how does this happen?*

Well. Directors of a company in financial distress generally appoint an administrator. This administrator may subsequently put the company into liquidation. The liquidator then alleges the directors have allowed the company to trade while insolvent during the six months leading up to the administrator’s appointment.

Defence costs and the directors’ personal liability in such cases have the potential to reach a 7-figure sum.

**Common signs of insolvency include:**

1\. Low operating profits or cash flow from the business

2\. Problems paying trade suppliers and other creditors on time

3\. Trade suppliers refusing to extend your business further credit

4\. Problems with meeting loan repayments on time or difficulty keeping within Overdraft limits

5\. Legal action taken, or threatened, by trade suppliers or other creditors over money owed to them.

**RISK AVOIDANCE & PROTECTION BY EPAR AND GBA**

[Worker’s Comp claims are on the rise](https://www.afr.com/companies/financial-services/businesses-fear-flood-of-workers-comp-claims-20200312-p549bv) due to COVID19 are an area to focus on mitigating. We must always ensure a safe work environment and have all staff undertake regular training on all aspects of Coronavirus safety. Keep records of their attendance.

[Complimentary ePar Stand up Talk documents now available](https://www.golfindustrycentral.com.au/golf-industry-news/complimentary-epar-stand-up-talk-documents-now-available/)

The joint effort on risk avoidance (Epar) & protection (GBA) provides clients with expert advice on, and access to, premium coverage options offered by industry insurers.

Epar and GBA can with help of their combined expertise, help provide protection to the individual member and the association against wrongful acts in the management, employment practices liability and fidelity.

By seeking risk avoidance and protection, Epar and GBA can advise you on a policy which covers your association or organisation against legal costs that can arise from allegations of misconduct, breach of duty or mismanagement.

These types of covers are designed to protect entities and their directors and officers by offering multiple coverage sections, including but not limited to;

1\. Employment Practices

2\. Directors & Officers Liability

3\. Professional Indemnity

4\. Tax Audit

5\. Fines & Penalties

6\. OHS Defence Costs

 However, it’s important to note that insurance does not replace the need for risk management and best-practice governance to avoid occurrences.

**Additional Stand Up Talks from epar:**

[How Long Does Coronavirus Stay on Surfaces](https://www.golfindustrycentral.com.au/wp-content/uploads/2020/04/How-Long-Does-Coronavirus-Stay-on-Surfaces.pdf)

[Social distancing](https://www.golfindustrycentral.com.au/wp-content/uploads/2020/04/Social-distancing.pdf)

[Washing Our Hands](https://www.golfindustrycentral.com.au/wp-content/uploads/2020/04/Washing-Our-Hands.pdf)

**ABOUT GBA**

![](/images/GBA-300x269.jpg)

[Golf Business Australia](http://bit.ly/2GR1PgZ) (GBA) is the fastest growing golf industry insurance and finance provider in the country. Last year, GBA teamed up with [Epar](https://epar.com.au/) to deliver an end-to-end risk solution for its partnering golf clubs.

Every golf business has a unique risk profile – let Golf Business Australia customise a plan that works to protect your assets and revenue.

Our premium range of golf insurance products aim to offer total golfing peace of mind – whether you are looking for golf insurance for your golf equipment, insurance cover for your buggy or that all important on-course third party liability protection, GBA has got you covered!

Feel free to call [The Golf Insurance Guy Daniel Bateup](https://www.linkedin.com/in/daniel-bateup-5869b932/) anytime on 1300 852 025 or fill out the form on our [website](http://bit.ly/2GR1PgZ) and we’ll be in touch to start your insurance review journey soon.

**ABOUT EPAR**

![](/images/EPA_epar_group_logo_FA_NOTAG-large-300x185.jpg)

epar is a team of EHS experts who can provide your business with a complete EHS management solution.

epar has managed and revolutionise the complex world of environment and safety management since 2003, and are unique in the level of advanced research and development relating specifically to a sustainable workplace.

epar has quickly become a leading provider of EHS management solutions within Australia and internationally, with an experienced team who are passionate about ensuring businesses understand their legal responsibilities, and are practically achieving their goals.

At epar it starts with the best team and the best compliance materials and carries through to the best software and document design and better delivery methods – all with the philosophy that their customers deserve the best.

Because every golf business has the potential for greatness.

To find out more about epar, epar Connect 2.0 and Connect Lite please visit [www.epar.com.au](http://www.epar.com.au/) or [eparconnect.com](http://bit.ly/2CVAqGR), OR contact Terry Muir on <terry@epar.com.au>.


Board Member responsibility in these challenging times

[Golf Business Australia](http://www.golfbusinessaustralia.com.au/) (GBA), the country’s fastest-growing golf industry-specific insurance and finance provider, has united with [Country Club International](https://www.countryclub.com.au/) (CCI), Australia’s leading distributor of golf course accessories and safety equipment.

The new partnership was formed with the objective to reduce the many risks at Australian golf clubs and facilities by providing unrivaled safety fencing and insurance products.

The two market leading companies, offering groundbreaking products to Australian sporting facilities, have connected over the mutual goal to better the setting around golf courses and protect clubs against the increasing hazard of wayward golf ball incidents.

GBA Founder and Managing Director Daniel Bateup said the new collaboration would introduce new safety measures to the golf industry and provide a more secure environment around golf courses in Australia.

“GBA’s priority has always been to provide our partnering clubs, big or small, with best-in-class risk solutions,” said Mr Bateup.

“We wanted our value proposition to extend beyond insurance expertise via working partnerships with like-minded peers, such as CCI, to improve a facilities risk profile & negotiate more favourable insurance premiums as a result.”

The innovative partnership took form earlier this year when GBA got involve with CCI’s insurance program after recognising potential non-insurance cover issues in the business.

GBA was subsequently able to provide CCI with an unrivaled insurance product based on the company’s extensive industry knowledge and experience.

CCI National Sales Director John McCafferty said it had been greatly beneficial for the company to be working together with another industry expert, and that the combined forces of the two business moving forward would provide client with an inclusive protection cover and safety outcome.

“Time and time again we see clubs facing litigation from errant golf balls where public liability becomes a concern, that’s where our expertise in safety fencing kicks in,” said Mr McCafferty.

“On the water management side of the business the EPA are certainly becoming more away of contaminated water discharge from simple every day activities such as washing down equipment,”

“Unlike before, it’s been GBA who have helped clubs with such considerations for these activities and that’s where we fit in to help with the solution.”

Both GBI and CCI are founding members of Golf IQ, a golf industry collaborative developed to deliver mixed professional services to Australian golf clubs, such as marketing, WHS, recruitment, water management.

**ABOUT GBA**

[Golf Business Australia](http://bit.ly/2GR1PgZ) is an official partner of [Golf NSW](https://www.golfnsw.org.au/) and is an Official Licensee of [The Australian PGA](http://www.pga.org.au/), and is the fastest growing golf industry-specific insurance and finance provider in the country, and with great understanding of the struggle many clubs and golf business are facing.

Every golf business has a unique risk profile – let Golf Business Australia customise a plan that works to protect your assets, and revenue, from the unique conditions and threats of your golf business.

To find out more call [The Golf Insurance Guy Daniel Bateup](https://www.linkedin.com/in/daniel-bateup-5869b932/) anytime on 1300 852 025 or fill out the form on our [website](http://bit.ly/2GR1PgZ) and [get a quote today](https://gba5.typeform.com/to/lJ3MWp) and we’ll be in touch to start your journey soon.

**ABOUT CCI**

[Country Club International](https://www.countryclub.com.au/) support Australia’s most complete range of services to provide a one stop shop for all your facility needs. The company has grown to support the best product supply partnerships with a vast local and International relationship base.

With a range that covers, course hardware, range automation, water treatment, high safety fencing, fuel storage and many more solutions, it is the company’s goal in “Supplying the best and nothing less”.


Country Club International & Golf Business Australia unite to reduce risk at Australian golf clubs

**New technology, new business practice**

The internet and modern-day technology has profoundly changed the way we make business today, and the golf industry is no different.

Golf clubs and facilities are increasingly more reliant on technology, digital products and third party services to conduct their operations, while collecting and sharing information and data is becoming more computerised. For many golf business, this includes the data your business creates and stores, as well as the information your customers share.

While technology has undeniably improved the way we communicate, transact and compete, it has also created new risks.

Cyber crime in Australia has become growing threat to individual and businesses, as online fraud is becoming an attractive way for criminals to steal information, money or disrupt business.

Socially engineered theft is a trending exposure in Australia and globally. Most breaches are caused by employees opening fraudulent emails that have already made it through existing technology defences. In a period over two years, 2016 to 2017, reports to the ACIC’s Australian Cybercrime Online Reporting Network (ACORN) indicated losses of over $20 million due to business email compromise alone.

**Managing the risks**

The exponential growth of web enabled devices and social media has made us more interconnected, but it has also provided fertile ground for criminal activity. As technology grows, so does the insurance cover needed to protect against any new risks unique to these devices.

There are thousands of adversaries around the world willing to steal information, illegally make profits, and undermine their targets. Malicious is deliberately crafted to exploit known vulnerabilities and take advantage of gaps in cyber defences. This further emphasises the need for cyber protection as part of a business’ risk mitigation strategy.

![](/images/scam-alert.jpg)

A cyber attack or breach can cause direct financial loss, damage and/or disruption to business operations. It can also give rise to third party liabilities if a negligent or malicious online act results in identify theft, credit card fraud, invasion of privacy or any number of other losses.

Protecting your golf business against losses associated with cyber risk makes good financial sense and should be a key component of your cyber risk mitigation strategy.

[Golf Business Australia](http://www.golfbusinessaustralia.com.au/) (GBA) specialises in protecting businesses from cyber risks to every IT facet of their business – hardware, software, networks and employee error.

At GBA, we understand cyber security. Our policies are the result of our extensive cyber risk and insurance expertise, combined with the technology, knowledge and partnerships with experts.

**Insurance Options**

Recently, a golf industry professional had his online identity stolen, resulting in;

\-Individual financial loss (theft of own funds)

\-Company financial loss (misappropriation of funds i.e. online purchases)

\-Third Party financial loss (false invoices made out to golf industry customers)

\-Inability to have an online identity ongoing following the inappropriate use of social media by hackers (i.e. radical extremist posts)

\-Reputational damage

A cyber protection policy is part of every successful business’s risk management framework, but it’s not the first line of defence.

Cyber insurance is designed to protect a business when its IT security, policies and procedures fail to stop an attack. But no amount of risk management can get you out of the sights of a determined cyber attacker.

Golf Business Australia provides comprehensive cover for first-party expenses and third-party liability from unauthorised access and use of data or software in your clients’ IT infrastructure.

**GBA offers two levels of protection:**

Our ***Cyber Event Protection*** policy provides comprehensive cover, and gives you the option to extend coverage to contingent business interruption, tangible property as well as cyber theft and telephone phreaking. **C*yber 1st Aid*** does not offer this option

Our ***Cyber 1st Aid*** policy provides coverage for losses to your business, including some legal expenses, but does not include liability coverage or defence against third party claims.

***Golf Clubs need to be aware of risk and manage it effectively.***

![](/images/GBA-large.jpg)

[Golf Business Australia](http://bit.ly/2GR1PgZ) is an official partner of Golf NSW and the fastest growing golf industry-specific insurance and finance provider in the country, and with great understanding of the struggle many clubs and golf business are facing in an increasingly more computorised landscape.

Every golf business has a unique risk profile – let Golf Business Australia customise a plan that works to protect your assets, and revenue, from the unique conditions and threats of your golf business.

Our premium range of golf insurance products aim to offer total golfing peace of mind – Whether you are looking for cyber protection, [HIO insurance](https://www.golfindustrycentral.com.au/golf-industry-news/increase-revenue-for-your-events-with-a-hole-in-one-prize-offering/) for your event, golf insurance for your golf equipment, insurance cover for your buggy or that all-important on course third party liability protection, GBA has got you covered!

Feel free to call [The Golf Insurance Guy Daniel Bateup](https://www.linkedin.com/in/daniel-bateup-5869b932/) anytime on 1300 852 025 or fill out the form on our [website](http://bit.ly/2GR1PgZ) and [get a quote today](https://gba5.typeform.com/to/lJ3MWp) and we’ll be in touch to start your journey soon.


Cybercrime – Is your golf business insured?

**The concept is far from new. Fantasy sports games have been around since after the second World War, with the first ever recorded public fantasy competition being a golf tournament in Oakland, California in the late part of the 1950’s.**

Fast forward to today where fantasy sports leagues and competitions are part of a multi-billion dollar wagering industry and the number of Australians getting interested in fantasy golf betting is steadily on the rise.

Considered a form of gambling, fantasy sports are completely legal in Australia and Daily Fantasy Sports (DFS) has been in existence in the country since early 2015 and is a great way for any avid sports fans to stay engaged with the action. Any money won or a *Green Screen* is just icing on the cake…

 

The interest in fantasy sports betting has also given rise to DFS podcasts, providing listeners with weekly advice, insight, and tips on how to be an effective fantasy sports player. If you’re a rookie in the world of virtual sports betting, read on to find out what’s our preferred (golf) DFS podcast here at [Golf Business Australia](https://www.golfbusinessaustralia.com.au/) and how it can add excitement to your golf viewing.

## So what is fantasy golf?

Although there are many different formats and ways to play fantasy golf, the basic concept is the same across most leagues. Players create their own line-up of real professional golf players from a specific league. Your team will earn you points depending on their performance in tournaments which are played in a daily or weekly format.

The largest provider of daily fantasy sports offering fantasy golf in Australia is [Unibet.](https://www.unibet.com.au/) The site has gameplay on all the Majors, as well as markets on other big golf team tournaments like the Ryder Cup, the President’s Cup and the Solheim Cup. [Draftstars](https://www.draftstars.com.au/) and [DraftKings](https://au.draftkings.com/) are the biggest sites globally and are other go-to site for Aussie fantasy golf fans as well.

Success on golf DFS is the product of doing your homework. To increase the odds of winning, players must stay involved with the sport and create viable strategies before reaping any rewards online. A popular way to stay ahead of the game is by comparing the odds at different sportsbooks each week. But, there is another, more entertaining way to gage the favourites. If you are looking to increase your chances of backing golf winners on a regular basis, you will have to listen to the experts in the field and tune in to any of the dedicated DFS podcast around.

These types of podcasts have increased in popularity and production quality over the past decade to become a primary source of information for golf betting and DFS enthusiasts. One of the fastest growing podcasts in this category (and GBA’s #1 golf entertainment podcast) is Tour Junkies – a top PGA Tour betting and DFS show starring American duo David Barnett and Pat Perry.

## **Tour Junkies**

The [Tour Junkies Podcast](https://www.tourjunkies.com/) strives to deliver informative and entertaining PGA Tour golf content every week with research, analytics and other funny sh-crap to make your listening experience enjoyable while improving your performance in PGA Daily Fantasy Sports.

![](/images/post35-podcast.jpg)

The two hosts both love playing golf, watching golf, talking golf and are dedicated to provide their fellow golf junkies with the best tips to help listeners with all forms of fantasy golf and golf betting. Each week they study hard and commit to the research to provide solid content to their fan base. They preview every PGA Tour event with stats, analysis, picks, player interviews, caddie interviews and more.

Unlike other PGA DFS podcasts who receive funding from betting companies, Tour Junkie’s recognise that the majority of listeners are not professionals but casual players that love it because they love the sport and having fun!

If you’re looking to start betting on fantasy golf, giving these guys a listen is a must. They won’t always be right, but they will be passionate and hugely entertaining for anyone interesting in the game of golf. So grab your earbuds (or wireless headphones if you’re really cool) and tune in to their [weekly tournament previews](https://www.tourjunkies.com/podcast/).

## Engage, but responsibly

Alternative forms of playing, viewing, and enjoying golf are here to stay, not to threaten golfs integrity but to keep the sport alive. By introducing new technology and alternative sources of news and information, the industry is able to cast a wider net capturing the unconventional golf customer.

If you, just like Golf Business Australia, love everything golf and are always looking for more ways to engage with the sports and other fans, fantasy golf betting and DFS podcasts might be worth looking into. It’s a great way for Australian fans to get introduced or stay connected with the sport virtually, especially as we’re often asleep when the action is live.

While fantasy golf can become a fun and profitable pastime, at GBA we do take gambling seriously and advice all DFS fans to bet responsibly. We believe that gambling should always be an enjoyable leisure activity.


Fantasy Golf – May Your Screens Be Green!

Success to us is an opportunity, not an obligation.  So we're approaching the game differently.

Our dreams & goals stem from a belief system that there is ALWAYS opportunity to improve whilst others idle complacent.

You already know that we are OFFICIALLY launching next week at the Golf Business Forum and more importantly why we chose this exciting event to broadcast our arrival.

Our anticipation maxed out this week following the announcement of speakers & Aussie adventurers Cas & Jonesy to discuss their trials & tribulations crossing the Antarctic.

A far cry from golf & business but the core message of their motivational journey holds a secret to success. Never give up, overwhelm negative thoughts with positive action to achieve the unthinkable. 

We have a few appointments left during our stay in Melbourne, so let us know ASAP if you'd like to meet & collaborate on how your golf business can reach its maximum potential with GBA in its corner.

Now, we talk a lot on our Blog about golf business news and golf current affairs. We tend to get carried away! So this week, we’d like to bring it back to GBA and how we can help you in your business.

**Why Golf Business Australia?**

GBA was born out of opportunity, to allow golf business owners & operators the freedom and flexibility to work within their business with peace of mind and financial confidence to help them reach their goals.

We design bespoke insurance & finance solutions for the golf industry backed by dedicated first-class service to deliver uncapped value.

Here’s a look at our growing list of products specifically tailored to businesses operating within the golfing industry.

![](https://www.golfbusinessaustralia.com.au/GBA_Our_Services.png)


Email <info@golfbusinessaustralia.com.au> or call us on 1300 852 025. Even better, if you find yourself down at the Golf Business Forum next week let us know and we’ll meet up over a coffee.

You don’t have to be great to get started but to be great you have to get started!

Team GBA


GBA: Approaching the game differently

Technology has unstoppably found its way into most areas of life and permeates the world in more ways than ever before, and golf is no exception. Even with its hallowed history and strong sense of tradition has the sport been able to remain unchanged by the rapid advances in new technology equipment. In golf courses all over the world, golfing tech is instigating transformation.

New technologies to measure ball speed and accuracy with the help of various launch monitors have become a popular addition at many golf clubs and venues around the world. And while these technologies are becoming better and more affordable, they can still cost an eye-watering $20,000, moving the prospect of ownership out of the realms of fantasy for many ordinary facilities and golf businesses.

With finance for such equipment difficult to obtain today, [Golf Business Australia](http://bit.ly/2GR1PgZ) (GBA), the fastest growing golf industry insurance and finance provider in the country, is now offering a unique range of finance products to keep golf businesses on course with their bank balance including equipment and business finance.

Last week the company had a positive result where a client took advantage of a [Premium Funding Advance](https://premiumfunding.net.au/index/pfadvance) [(PFA)](https://premiumfunding.net.au/index/pfadvance), offered in partnership with Premium Funding Pty Ltd, one of Australia's largest premium finance companies.
Having completed 10 months of insurance payments, without default, the client was made a PFA offer of $40,000 (no questions asked!) and took it to assist with the purchase of new equipment in shape of a [Trackman](http://www.trackman.com/) launch monitor.

GBA’s unrivaled equipment finance in synergy with recognised finance partners made it possible for the client to stay ahead of the game and provide their clients with the latest equipment on the market through an offer suited to their financial position.

“We’re here to support and provide a service that allows businesses the opportunity to succeed in an industry where it has been in the past difficult,” said Daniel Bateup, Founder and Managing Director of GBA.

“If we can alleviate some of the pressure so people can get on with the task of running their business, we have done our job!”

If you’re looking to tap in to new ways of expanding you golf business and offer the latest in golf equipment to you clients, GBA will design specialist insurance and finance solutions just for you.

Ask how you can access a “NO QUESTIONS ASKED\*” loan when you complete 12 months insurance with GBA. Pay less for better insurance & get your exclusive quote **TODAY!**

*\*subject to terms & conditions*


GBA client receives $40k funding for new equipment - No questions asked!

![](/images/GBA-300x269.jpg)

![](/images/employsure-small.png)

[Golf Business Australia](http://www.golfbusinessaustralia.com.au/) (GBA), the fastest-growing golf industry-specific insurance and premium finance provider in Australia, has announced a new partnership with Workplace Relations firm [Employsure](https://employsure.com.au/).

The synergy was formed in response to the unprecedented challenges many small businesses and clubs are facing recently due to the coronavirus pandemic.

Employsure and GBA understand the passion of small business owners, and want to help them accomplish their goals with confidence in these uncertain times.

Together the two consultants will provide steadfast advice around workplace relations and employee entitlements at a time when it’s most needed.

GBA has assisted many golf industry clients develop cost-effective and broad coverage insurance solutions nationwide but Managing Director Daniel Bateup wants to deliver his valued clients more.

“Partnering with Employsure allows GBA to provide additional peace of mind to our customers. With Employsures 24/7 support, employers can go about running their business with workplace confidence backed by expert advice,” said GBA Managing director Daniel Bateup about the collaboration.

“75% of director and officer insurance claims are a direct result of the unqualified handling and management of an incident rather than the cause.”

GBA’s goal through our partnership with Employsure is to eliminate unnecessary risk & negative workplace outcomes that have a lasting impact on our customers insurance profile.”

Working with more than **27,000 businesses, **Employsure is one of the largest providers of Workplace Relations, and Health and Safety services in Australia.

“Now more than ever, employers need fast and accurate advice around workplace relations and employee entitlements,” said Employsure Business Development Manager Deborah Stevenson.

“We’re really proud to be able to offer that service to the GBA network at a time when they may need it most.”

If you’re running a small golf club or facility and need advice and assistance in relation to employee management and workplace safety, don’t hesitate to get in contact with [The Golf Insurance Guy Daniel Bateup](https://www.linkedin.com/in/daniel-bateup-5869b932/) anytime on 1300 852 025

## ABOUT GBA

Golf Business Australia is an official partner of [Golf NSW](https://www.golfnsw.org.au/) and is an Official Licensee of [The Australian PGA](http://www.pga.org.au/), and is the fastest-growing golf industry-specific insurance and finance provider in the country, and with a great understanding of the struggle, many clubs and golf business are facing.

Every golf business has a unique risk profile – let Golf Business Australia customise a plan that works to protect your assets, and revenue, from the unique conditions and threats of your golf business.

To find out more, fill out the contact form on our [website](http://bit.ly/2GR1PgZ) and get a quote today and we’ll be in touch to start your journey soon.

## ABOUT Employsure

Employsure is Australia’s largest workplace relations advisory, servicing over 27,000 clients nationwide and in New Zealand. Employsure’s expert Advisers are available to support your business manage the complexity of workplace relations.

The company helps small business owners run safe, fair and compliant workplaces, and takes the complexity out of workplace laws to help small business employers protect their business and their people.

When you are a client of Employsure, you can be confident in the way you manage your employees and workplace safety. Visit [www.employsure.com.au](http://www.employsure.com.au/) to find out more or call 1300 651415.


GBA partners up with Employsure to provide the golf industry with workplace confidence

**Australia’s fastest-growing golf industry-specific insurance provider, Golf Business Australia (GBA), is thrilled to announce a newfound partnership with **[**Pay as you Golf (PAYG)**](http://www.payasyougolf.com.au/)**, the country’s leading golf membership funding company.**

GBA has worked with a range of industry partners in its short existence, crediting collaboration to its success. Providing unrivalled insurance solutions to golf clubs and facilitates nationwide, GBA is continuously looking for opportunities to add more value to its offerings.

Founder and Managing Director Daniel Bateup said he looks forward to assisting PAYG’s existing customer clubs with their insurance needs and believes the synergy will be hugely beneficial for all parties involved.

“We’re excited to be working with PAYG who will complement the products & services we provide here at GBA” said Bateup.

Ex-touring professional and PAYG’s Relationship Manager Adam Groom had this to say on the union: “I’m looking forward to working alongside GBA and feel this partnership will strengthen PAYG’s involvement at golf clubs around the country.”

PAYG is Australia’s leading golf membership funder, providing a flexible finance alternative for golf club members who find the payment of annual fees upfront a challenge.

[Participating facilities](https://www.payasyougolf.com.au/golf-clubs) allow golfers to spread the cost of their membership fees, including nomination fees and some annual house, bar and water levies, over a period between four to ten months.

The company premise of flexible payment options has proven successful at clubs Australia wide, aiding in not only retention of members but also attracting new interest in golfers joining clubs.

## **ABOUT GBA**

Golf Business Australia is the appointed Insurance & Risk partner of [Golf NSW](https://www.golfnsw.org.au/) and an Official Licensee of [The Australian PGA](http://www.pga.org.au/). As the fastest-growing golf industry-specific insurance provider in the country, GBA has an intimate understanding of the struggle many clubs face when finding the right balance between the cover and cost of insurance.

To find out more, fill out the contact form on our [website](http://bit.ly/2GR1PgZ) or call [1300 852 025]() to get a quote today.

## **ABOUT PAYG**

Pay as you Golf is Australia’s leading golf membership funding company, allowing golfers to spread out the cost of their club’s membership fees while the club receives the whole membership fee upfront.

The club does not have to waste valuable resources on the collection process, chasing up payments and making special arrangements when difficulties arise hence administration is reduced. To view all features and benefits, and current rates, please visit [www.payasyougolf.com.au](http://www.payasyougolf.com.au/)

If you would like your club to provide the facility please arrange for your club’s Board or General Manager to contact PAYG on 03 9290 9211 or email <info@payasyougolf.com.au>


GBA partners with Australia’s leading membership funding company ‘Pay As You Golf’

Golf NSW, the peak representative body for the sport in New South Wales, is thrilled to announce an official partnership with Golf Business Australia (GBA), Australia’s fastest-growing golf industry-specific insurance and finance provider.

Working as an official licensee of the PGA of Australia for many years, [GBA](http://www.golfbusinessaustralia.com.au/) has assisted many industry clients in developing cost-effective and broad coverage insurance solutions, and has provided unrivalled finance and insurance services to golf club and facilitates nationwide.

This new partnership took form earlier this year when GBA was able to assist a small regional club with a comprehensive insurance scheme after the club’s issues with current insurance were identified by the underwriter insurance holder.

GBA’s comprehensive insurance offered the club a saving of a third of the previous insurance coverage and substantial improvement to the overall cover.

“The service provided and the understanding of the need to consult with the full board of the club by GBA was exceptional and, we as a club, look forward to a long term business relationship with Golf Business Australia,” said the club board.

“As a small club, we would recommend that, come insurance renewal time, all clubs contact GBA. You may well be surprised at to what savings and cover improvements they can provide as the golf industry insurance experts.”

Founder and Managing Director, Daniel Bateup said the new partnership with Golf NSW would further assist small regional clubs in regional New South Wales.

“Golf Business Australia has a proven track record with small outback clubs, and possess intimate knowledge of golf facilities and the special requirements for clubs in regional areas,” Mr Bateup said.

CEO of Golf NSW, Mr Stuart Fraser agreed the benefits would assist not only many of the State’s regional clubs, but potentially some metropolitan-based clubs as well.

“Although the partnership with Golf Business Australia began with a focus on regional clubs, I am sure the benefits offered will help many of our affiliated metropolitan clubs as well.”

GBA can offer regional clubs a review of their insurance as well to help slash fees where possible and assist in conserving these significant community clubs across Australia.


Golf Business Australia Become Golf NSW Partner

[Golf Business Australia](http://www.golfbusinessaustralia.com.au/) (GBA) is thrilled to announce a renewed partnership with the PGA of Australia, which will continue benefits for PGA Members and industry partners.

Working as an official licensee of the PGA for past two years, GBA has assisted many PGA clients in developing cost-effective and broad coverage insurance solutions nationwide.

The collaboration is set to continuously provide industry-specific insurance and services to PGA members. The union was continued with a great understanding of the challenges many clubs and golf business may be facing during the current pandemic.

“With Covid-19 continuing to disrupt, GBA is offering PGA Members up to 90 days to pay insurance premiums whilst keeping their assets protected,” said GBA Founder and Managing Director Daniel Bateup.

“GBA believes in a united industry and the offer is our way of contributing to the continuity of golf in Australia beyond Covid-19,”

Mr Bateup also said the renewed partnership was key to better serving customers by merging talent, expertise, technology and purpose.

Through industry knowledge and the implementation of proven strategies, GBA proudly boosts working relationships with both emerging and established golf businesses.

“I look forward to the continued opportunities to provide our products and services to the PGA and its members,” he said.

“Any partnership, big or small, will work best when there is a shared goal,”

“GBA clients are more than just a number- they are a partner in business.”

Michael McDonald, Commercial Director for the PGA said, “We are delighted to renew our partnership with GBA, they understand our members’ needs and many members have taken up the opportunity to contact Daniel and received great advice that has enabled them to better their insurance position accordingly. We look forward to continuing our association with GBA”.

Why should a PGA Professional work with [Golf Business Australia](http://bit.ly/2GR1PgZ):

*   Better Cover. Cheaper Premiums. Guaranteed Service.

*   Assistance on all claims through to satisfactory settlement. Help when you need it most!

*   Address any cover concerns recognised in your current and quoted insurance program

*   Priority first-class service & ongoing experienced advice.

*   Unrivaled insurance protection with awarded insurers at the most competitive premiums.

*   Innovative finance solutions aimed to reduce costs & add value to your golf business.

*   Promotion and support your golf business via social media & our industry network.

**ABOUT GBA**

Daniel Bateup, The Golf Insurance Guy, aims to build a personal relationship with each client and takes the time to understand your particular needs, whether it be [Pro Shop Insurance](http://bit.ly/2G5x5DR), or a range of other personal insurance products.

Every golf business has a unique risk profile. GBA can assist with your overall insurance strategies and will be there if ever in need. Golf Business Australia can customise a plan that works to protect your assets, and revenue, from the unique conditions and threats of your golf business.

To find out more call [The Golf Insurance Guy – Daniel Bateup](https://www.linkedin.com/in/daniel-bateup-5869b932/) on 1300 852 025 or fill out the contact form on our [website](http://bit.ly/2GR1PgZ) and get a quote today and we’ll be in touch to start your journey soon.


Golf Business Australia renews partnership with PGA of Australia

**We understand the challenges, manage the risks & cover the losses.**

The market outlook for golf insurance in Australia is a rather cumbersome one. As of late insurers have tightened their grip on claims and exudes little faith in the industry as a whole.

With continuing catastrophic events like bush fires and storms, the risk of being left with no insurance option is becoming increasingly more tangible.

The main culprit of this noticeable lower tolerance among insurers for golf clubs and facilities around Australia is undoubtfully the increase of **preventable type losses claims**.

## The importance of risk management

Proactive measures in form of risk maintenance and practical mitigation strategies taken by the club or business can minimise the exposure to the volatility of the current insurance market.

The industry experts agree; by having risk management programs in place assisting staff in identifying what could go wrong and taking viable measures to prevent it, will help the golf industry as a whole to become more attractive to insurers.

With club house maintenance programs and prevention methods as easy as cleaning gutters and conducting regular tree maintenance and removals can see big losses in relation to storms (55% of all claims) be avoided and in turn not increasing claims.

Insurance is a reactive rather than a pro-active risk management tool, and robust management strategies should be adopted in all operational businesses in order to reduce the risk of accidents before they happen.

## Your risk management partner

[Golf Business Australia](https://www.golfbusinessaustralia.com.au/) understands all the different nuances of the golf industry and is taking a holistic approach to reducing risks at your golf facility. This will subsequently help lowering insurance premiums for your facility and avoid increasing preventable type losses claims further.

“We want our value proposition to extend beyond insurance expertise via working partnerships with like-minded peers, to improve a facilities risk profile and negotiate more favourable insurance premiums as a result,” explains Managing Director Daniel Bateup.

“As your insurance partner, we believe in an [interactional relationship](https://www.golfindustrycentral.com.au/golf-industry-news/an-interactional-not-transactional-insurance-partner-for-your-golf-business/) and provide on-going risk management advice to assist you in eliminating and reducing the risks associated with your club’s activities.

**Identifying potential risks and creating a risk management policy for the club can have the following benefits:**

\-Good management practice

\-Reducing unexpected and costly surprises

\-Assistance with strategic planning

\-More effective and efficient allocation of resources

\-Encourage more people to participate in your activity

An avid golfer himself, Daniel Bateup has spent years advising and administrating golf clubs insurances before identifying a greater opportunity to service the wider golf business community.

After recognising a lack of qualified advice, Bateup partnered with reputable insurance companies, developing programs to better protect golf clubs and golf businesses alike.

“Our interactional approach has gained invaluable partnerships with industry peers such as [Martin Minett](http://martinminett.com.au/), Business Interruption specialists, and other golf industry risk pioneers such as [Epar](https://epar.com.au/), [Country Club Intl](https://www.countryclub.com.au/) and [Employsure](https://employsure.com.au/), to deliver an end-to-end risk solution for our clients.”

## What are you getting with GBA?

\-We believe in partnerships & interactions, NOT transactions!

\-We assist on ANY outstanding claims matters through to satisfactory settlement.

\-We address cover concerns recognised in your current and quoted insurance program

\-We provide priority first-class service and ongoing experienced advice.

\-We maintain unrivalled insurance protection at the markets most competitive premiums.

\-We introduce innovative finance solutions aimed to reduce costs and add value to your club.

\-We promote and support your club via social media & our industry network.

GBA believes in a united industry front, if you have existing or upcoming insurance needs and could use some added time to weather the storm, let us help!

## About GBA:

Every golf business has a unique risk profile. Our risk assessment process will identify the type of risks your club or golf business is subject to and determine whether insurance is available and appropriate.

Golf Business Australia can customise a plan that works to protect your assets, and revenue, from the unique conditions and threats of your golf business.

Daniel Bateup, The Golf Insurance Guy, aims to build a personal relationship with each client and takes the time to understand your particular needs, whether it be [Pro Shop Insurance](http://bit.ly/2G5x5DR), or a range of other personal insurance products.

To find out more call [The Golf Insurance Guy – Daniel Bateup](https://www.linkedin.com/in/daniel-bateup-5869b932/) on 1300 852 025 or fill out the contact form on our [website](http://bit.ly/2GR1PgZ) and get a quote today and we’ll be in touch to start your journey soon.

## Are you prepared this storm season?

> *“Last year our club was affected by severe storm events that caused significant property and course damage. Golf Business Australia professionally managed the entire process whilst we were able to continue with our operations. I have no hesitation in recommending Golf Business Australia to my industry peers.”*

\-Mona Vale Golf Club in NSW

## Related Articles:

*   [Kick-start 2021 with 15% off GBA’s exclusive Pro Shop Insurance Package](https://www.golfindustrycentral.com.au/golf-industry-news/gba-exclusive-pro-shop-insurance-package/)

*   [GBA partners up with Employsure to provide the golf industry with workplace confidence](https://www.golfindustrycentral.com.au/golf-industry-news/gba-partners-with-employsure/)

*   [GBA client receives $40k funding for new equipment – No questions asked!](https://www.golfindustrycentral.com.au/golf-industry-news/gba-client-receives-40k-funding-for-new-equipment-no-questions-asked/)

 


Golf Business Australia: Your risk management partner to reduce insurance premiums

The next round of the PGA Tour, the Greenbrier Classic, kicked off today and golfing fans the world-over, myself included, are ready to settle in and see if their fantasy picks come to fruition.The Greenbrier’s Vice President, Burt Baine, hadn’t dreamed of the damage that would unfold.

As we gear up excitedly though, the people of West Virginia are reflecting on the devastation that wrought their state just over twelve months ago.

I was saddened to read about the natural disaster that came quickly and without warning. It only took four hours before heavy unrelenting rain caused the waters of Howard’s Creek to flood the Snead, Greenbrier and Meadows courses as well as the historic Old White.


He watched on in horror as the ferocious rain took hold of everything in its path and started picking the resort and golf courses apart piece by piece.

“Roofs failed, gutters failed, water was coming down through chandeliers, light fixtures and elevator shafts” Baine said.

Little was left untouched by the natural disaster that shook the town. All that remained of courses renowned for their quality and beauty were ruined greens and sad piles of debris strewn across now unusable grounds.

“We had vehicles and parts of houses and things of all sorts all over the golf courses,” Baine said. “They described it as a one-in-a-thousand-year event,”

Baine said the incident seemed “surreal” at first but “then it starts to sink in that you're not going to be playing golf for a while on these courses, and we're essentially out of business.”

In a further blow to the town the Greenbrier Classic was cancelled. But of course the unimaginable damage to the golf courses and resort was nothing compared to the wider effects on the state.

I was inspired though by the reaction of the community and their ability to band together. The PGA Tour and golf community in particular rallied around those who had been hardest hit and all in all a whopping $4 million was raised.

Two-time Masters champion Bubba Watson and his wife Angie donated an incredible $250,000 after witnessing the devastation first hand.

Through community support like this and a lot of strength and hard work, things are slowly returning to normal in White Sulphur Springs.

The rebuild of the courses is now complete but by all accounts it has been a hard and expensive slog.

This really struck a chord with me as it is helping clients dodge these kind of scenarios and financial pitfalls that drive me in my work at Golf Business Australia every day.

Obviously natural disasters of this kind are unavoidable but you can limit the financial burden they place on you and ensure that you don’t have to go back to square one by seeking out the right financial services and advice.

Thankfully the folks at Greenbrier have clawed their way back and the community is excited to share in the thrill of hosting the prestigious PGA Tour once again.

“We will never forget the loss of our neighbours, lives and property, but we do have to move on, and I think the tournament this year will be a big moment for this whole community because they will be able to say, okay, we did it,” says Baine.

“We're back. We're back on the PGA TOUR.”


Green Light for Greenbrier

**Australian golf pitching in to help Victorian PGA Members during Covid-19 lockdown.**

Lately, [Golf Business Australia](https://www.golfbusinessaustralia.com.au/)’s Managing Director Daniel Bateup has heard about the many challenges PGA golf pros are facing due to the current stage 4 lockdown in parts of Victoria.

## GoFundMe page

Many are small business operators or contractors and are being hit very hard with no real source of consistent revenue.

“These pros are the ones that tirelessly look after us as members and players each and every day and they do long hours to make sure we are enjoying the game we all love” says Bateup. “They are the real heartbeat of the club, and many of them are doing it tough and could use some support and news that we appreciate them.”

In response, a central point for golf donations has been set up through this [GoFundMe page](https://bit.ly/32dvMjp) by golf industry supporter Golf Business Australia.

It is now our turn to give back to our hard-working pros. Golf Business Australia will start the fundraising efforts with a donation of $1,000. With industry support, our goal is to achieve $50,000 by the end of September.

Golf Business Australia pledges to hand over 100 percent of the total raised to the [PGA of Australia](http://www.pga.org.au/). The funds will be distributed as needed to Victorian based PGA members that demonstrate financial hardship as a result of Covid-19 forced lockdown.

## About: Golf Business Australia (GBA)

Golf Business Australia is an Official Licensee of The Australian PGA, and is the fastest-growing golf industry-specific insurance and finance provider in the country. With this comes a greater understanding of the struggle, many clubs and golf businesses are facing as a result of Covid-19.

GBA believes in a united industry and is starting this initiative as a way of giving back to the community that has supported us so much in our growth.

[#loveyourVICgolfpro](http://loveyourvicgolfpro/)


Help Australian golf pitch in for VIC PGA members

Most people would associate insurance of any kind with cover from life’s least happy circumstances, such as death, illness or theft.

For golf clubs and sport facilities, it usually means to protect club assets from unforeseen events and damages, or on course [third party liability protection](http://www.golfbusinessaustralia.com.au/blog/who-is-liable-for-injury-the-player-or-the-facility)[*.*](http://www.golfbusinessaustralia.com.au/blog/who-is-liable-for-injury-the-player-or-the-facility)

Most commonly, we buy insurance to protect us from misfortune and the times when lady luck lets us down.

But there is an other type of insurance worth considering, where golf clubs and other sports organisations and companies buy protection from the consequences of unusually good luck: [**Hole-In-One insurance**](https://gba5.typeform.com/to/lJ3MWp)**.**

**HIO**

HIO insurance is a type of price indemnification, working just like any other kind of insurance policy, except that instead of insuring your property against damage or loss, you are paying a premium to eliminate the risk of having to pay for a prize if someone pulls of the seemingly impossible feat of making a hole in one during your golf event.

HIO insurance allow golf-tournament sponsors that run contests to offer punters big-ticket prizes if they’re lucky enough to score a hole in one on a single try.

The prize indemnity permits for contest sponsors to leverage a relatively small expenditure into a major prize, creating a buzz and generating more tournament participants, and is a nice way to pad the numbers at the clubhouse bar.

Effectively, HIO assurance transfers the risk of paying out pricy award from the club or event organizer, over to the insurance company. For the insured entity, the cost of this type of product is far less than the unlikely, but large expense of paying a grand-prize winner.

**COST**

The cost of hole-in-one cover varies widely and is commonly based on the number of contestants, the odds of pulling off the seemingly impossible, the prize value, and the length of the golf shot (target hole) you want to insure.

For instance, a $200 premium for a 100-player tournament might cover a $10,000 prize, while a $50,000 prize for the same number of players might come with a $1,000 premium.

In addition, the premiums depend on whether the participants are amateurs or professionals.

Naturally, there’s only a slim chance an amateur will get an ace, let alone on the one hole on your tournament offering a prize.

But as an event organizer or club, such odds work in your favor when considering HIO insurance, as premiums can start at as little as $500with Golf Business Australia.

**THE ODDS**

The truth is most tournament sponsors offer high value prizes knowing, or at least hoping, that it just serves as an enticement and no one will actually sink the ball in the cup in one shot.

After all, the odds for an average golfer of hitting an ace are about 1 in 12,500, and even golf professionals have approximately a 1 in 2,500 chance.

In 2014, there were 34 aces in 45 total events on the PGA Tour. Mind you, these are the best players in the world and the shots were spread out over par 3's around the world.

However, even though the odds for and ace are low, not having hole-in-one insurance is playing with fire.

No one is claiming amateur players will start randomly dropping in 240-yarders off the tee, but owning hole-in-one insurance is just too convenient to not play it safe.

**UNIQUE PRIZES**

Even though for most golfers the glory that comes with making a hole-in-one is more than enough incentive, some tournaments have gone the extra mile when it comes to HIO prizes.

When Andy Sullivan aced his shot on the 15th hole at the Kennemer Golf & Country Club during the 2014 KLM Open, he won him self a trip to space. The expedition was reportedly worth around £60,000.

And the organisers of the inaugural CJ Cup at Nine Bridges event in South Korea offered the first player who made a hole-in-one at the par 3, 218-yard 13th hole a private Korean food party hosted by the global food brand Bibigo that represents the best of Korean cuisine.

Included in the unusual prize were the food brand’s renowned chefs escorted to cook at the destination of the player’s choosing. The one-time Korean food party was valued at 50,000 USD.

For prizes of that caliber, you can rest assured the organisers had a sufficient HIO insurance in place.

**NO RISK, ALL REWARD**

When you consider all the factors, purchasing HIO insurance seems like an easy decision and a must for charity golf tournaments.

When you have HIO insurance, you can gladly give out that huge prize and actually root for players to win it.

HIO will assist you in making your event the talk of the town with great prizes and lucky winners, and differentiation from the competition in your area all the while you have peace of mind knowing you don’t have to fork out a fortune for someone else’s good luck.

Being able to advertise a grand prize for the winner at your golf tournament will create a buzz around your event and is a sure way to up the participations numbers, resulting in more revenue for the organiser. Of course you can host such an event without insurance involved, but you'd then be liable for the whole price fee instead of just the low cost premium.

**HIO WITH GBA**

Let Golf Business Australia customise a plan that works to generate a buzz at your next golf event while giving you peace of mind knowing you only have to pay the premium.

Whether you are looking for HIO insurance for your event, golf insurance for your golf equipment, insurance cover for your buggy or that all-important on course third party liability protection, GBA has got you covered!

Feel free to call [The Golf Insurance Guy Daniel Bateup](https://www.linkedin.com/in/daniel-bateup-5869b932/) any time on 1300 852 025 or fill out the form on our [website](https://gba5.typeform.com/to/lJ3MWp) and we’ll be in touch to start your journey soon.


Increase revenue for your events with a Hole-In-One prize offering

If you own or run a golf club, you'd be forgiven for thinking that the course itself is one aspect of your business that doesn't demand your time and attention. The grounds keepers have the course maintenance under control, and you're already managing so much else (and so many people) that cannot wait. It would be easy to be content with a well-maintained course and dismiss this as a potential area of improvement.   

It's when we're resting on our laurels, though, that our innovative competitors seize the opportunity to make a name for themselves. Curlewis Golf Club is doing just that. I've recently learned of not one but two forward-thinking changes that the club has made in an effort to carve out a reputation as a leader in the golfing industry. And I suspect that the new moves they are making will be appreciated by both existing and prospective members alike.

The Director of Curlewis Golf Club, David Sharp identified that rabbits were a real pain point for his members and himself. He had the foresight to install a fence around the course. The fence is the first of its kind and will prevent rabbits from damaging the course, and reduce the threat to the safety of players, staff and native animals. Though not cheap, (the fence cost $50K+) this bold move is one that is touted to have brought in record new memberships. In the last six months it has also greatly contributed to boosting the club's national course ranking to 78 (up from 88 less than six months ago).

Another inspired move by Curlewis Golf Club is one that is challenging the stereotypical image of golf being a sport for wealthy businessmen and retirees in baggy plaid pants. The club has recently introduced GolfBoards- the new and exciting way to cruise the fairways. Essentially they're something of a hybrid of a traditional golf cart, a skateboard and a Segway. They're set to attract a younger audience and incite  new interest in choosing golfing as an activity for team building and social events. By making GolfBoards available for hire, Curlewis Golf Club are offering an experience not available anywhere else in their vicinity. 

From where I sit, it seems clear that the Management at Curlewis Golf Club know the importance of creating a customer-centric business. Not content with providing the facilities that you would expect from a Golf Club, they're continually thinking about the value they can add to the players and members  experience. In doing so, they are making great strides towards cementing a reputation for themselves; a reputation that they are not simply an impressive Golf Club, but also a thought-leader in the golfing industry and definitely one to watch.

Is your golf business game changing? We know there are others out there challenging the status quo & winning! Why not drop us a line.


Innovation at Curlewis GC stimulates membership as golfers cruise the rabbit proof fairways

**A new year brings new year resolutions…**

If the year of 2020 has taught us anything it’s to be prepared for the unexpected.

This also pertains to Pro Shop Owners and Operators in the golf industry. Holding a relevant policy of insurance usually means the difference between survival and having to close for good when a disaster happens.

Most commercial property insurance claims focus on physical damage rather than of economic loss. However, the income impact from closing your business due to damages from catastrophic weather events is often more detrimental than the actual repairs.

This is why **business interruption insurance** is critical. Under the right policy, when an unexpected circumstance causes your Pro Shop to close suddenly, your income and livelihood are protected.

So, if not done already, recent weather events should urge all Pro Shop owners across Australia to review their insurance policy. This is to ensure they’re [properly covered](https://www.golfindustrycentral.com.au/golf-industry-news/natural-disaster-cover-is-your-golf-club-protected/), especially as we’re only at the beginning of this year’s storm season.

At Golf Business Australia (GBA) our goal is to simplify the insurance process, provide steadfast advice and bespoke products supported by unwavering after sales service. We are a licenced partner of the PGA of Australia and have developed a tailored Pro Shop Insurance policy with exclusive premium discount and cover benefits for PGA member.

Therefore, we now want to assist new clients with a special **Pro Shop Insurance Package,** offering 15% off insurance policies for a limited time – So you can keep this year’s resolution of getting your Pro Shop properly insured!

## Who are we?

[Golf Business Australia](http://www.golfbusinessaustralia.com.au/) is the Australian golf industries premium provider of Insurance and Finance.

Our premium range of golf insurance products aim to offer total golfing peace of mind – whether you are looking for golf insurance for your golf equipment, insurance cover for your buggy or that all important on course third party liability protection, GBA has got you covered!

## Why we do, what we do?

Our passion is assisting other golf businesses achieve success in theirs through our value adding products and qualified, experienced service.

If the industry wins, we win, SIMPLE!

## The goal?

To add value (NOT COST) to your insurance and finance requirements. We want to reduce your overheads whilst providing ‘peace of mind’ allowing you to get on with running your business, stress free.

## Why GBA?

We operate in the same network as your business and more importantly your clients! Where others are content to just take your money for services rendered, we become YOUR #1 ADVOCATE.

## What are you getting with GBA?

\*We believe in partnerships & interactions, NOT transactions!

\*We assist on ANY outstanding claims matters through to satisfactory settlement.

\*We address cover concerns recognised in your current and quoted insurance program

\*We provide priority first-class service and ongoing experienced advice.

\*We maintain unrivaled insurance protection at the market's most competitive premiums.

\*We introduce innovative finance solutions aimed to reduce costs and add value to your club.

\*We promote and support your club via social media & our industry network.

## Get in touch – we can customise your cover!

Every golf business has a unique risk profile and [Golf Business Australia](https://www.golfbusinessaustralia.com.au/) can assist with your overall insurance strategies and will be there if ever in need. We can customise a plan that works to protect your assets, and revenue, from the unique conditions and threats of your golf business.

Feel free to call The Golf Insurance Guy Daniel Bateup anytime on 1300 852 025 or fill out the form on our [website](https://gba5.typeform.com/to/YNrLVn) and we’ll be in touch to start your journey soon.

![](/images/gba-poster.png)


Kick-start 2021 with 15% off GBA’s exclusive Pro Shop Insurance Package

Golfers deviating from traditional one-course memberships is something of a trend in our game at the moment. Not without controversy, the introduction of social memberships has left some Australian clubs with a decision in turbulent times, adapt or risk it all.

Last week I wrote an article around how the industry is really shaping up to keep players in the game, attract more business and promote the sport. But it's tough out there and clubs more than ever rely heavily on membership foundations.

In a game-changing first for Western Australia, The Vines Golf Course & Country Club have granted a full reciprocal agreement with two other clubs in Perth's greater metropolitan area. They already have agreements with interstate, regional and international clubs abroad but have recognised an untried opportunity locally.

Members will not have to pay any additional fees and have access to all three courses plus facilities and vice versa. What golfer doesn’t enjoy a change of scenery & different challenge from time to time? What The Vines has created, in my opinion, is pure added value!

It isn’t just about having three different golf clubs to play at and stretching membership money further, it’s also encouraging players to improve their skills and promote increased participation. Each course offers something different and diversity keeps the game fresh.

The three clubs committed to this landmark reciprocal agreement are:

**The Vines** in the Swan Valley has an amazing tournament history and is set in a beautiful area of the Swan Valley. Visit <https://www.vines.com.au/>

**The Cut** is a links golf course with state of the art facilities voted one of the top 25 in the country. Visit <http://www.the-cut.com.au/>

**Araluen Resort** – A tricky yet stunning course, set in the hills of Roleystone 40kms south of Perth. Visit <http://www.araluenresort.com.au/cms/>

Are you spoilt for choice for golf clubs in your area but restricted financially to being a member at just one? What if a nearby club offered you the opportunity to tackle the fairways & greens of up to three! Would you take it? I know I would…

Is this strategy the future for Australian club golf? As always, we would love to hear YOUR thoughts.


Memberships going further in Western Australia

***Recent climate-related catastrophes around the county are putting an onus on Australian golf clubs and facilities to review their insurance policies – before it’s too late!***

It is old news that Australia is a country with some extreme weather. Just recently, we were in the grip of the worst drought in over 100 years, resulting in a series of wildfires across NSW, QLD, SA and VIC, which impacted homes and businesses, leaving behind entire communities in dismay.

In NSW, where people were unable to tame the fires for several months, there’s now reports of golf clubs that have suffered partial losses on their property, but the bigger impact being the loss of revenue from the disruption of normal trade.

According to [Insurance Council of Australia](https://disasters.org.au/current-catastrophes/2019/11/13/november-bushfires), to date there has been more than 23,000 insurance claims made in relations to the fires, with a total loss of estimated value of $1.9 billion.

What is important to know is, that even though most insurance policies cover you for damage caused by fire, including bushfire, generally the damage has to be cause by the actual flame. This means your club facility and assets are most likely not covered under your current policy for heat-related damage, like scorching and melting, or smoke, ash and soot damage. This includes if your home is damaged by a nearby fire or bushfire.

![](/images/post25-fire.jpg)

So, if not done already, recent weather events should urge all golf clubs and facilities across Australia to review their insurance policy to ensure they’re properly covered, especially as we’re only at the beginning of this year’s storm season…

**FLOOD PROTECTION?**

Not entirely surprising, after drought comes rain. And a heavy deluge of it too. A weather system that brought torrential rains which saturated large parts of New South Wales and Queensland shortly after the fires saw several golf courses, especially the low lying ones, disappear below the water.

In NSW, Luddenham’s Twin Creeks Golf and Country Club was left in a devastating state after a recent storm raged through the area. The Golf Course had to close down business after experiencing extensive damage from the downpour of rain

The Club CEO said the club had expected some impacts with the severe weather, being located in a cyclone prone region, but did not anticipate the level of damage they sustained.

And it is usually small regional clubs that are the most vulnerable to such detrimental events. Clubs which are already facing financial pressures from small and declining local populations and are dealing with vastly different challenges to what many of the inner-city clubs may face.

Such clubs are now experiencing **business interruption** and substantial financial hardship as a result of the rough climate. This manner of unusual weather is changing the way insurance carriers evaluate property risks for golf and country clubs in Australia, and the availability and terms of coverage they’re offering.

For clubs and facilities affected by a natural disaster like bushfire, floods or other severe weather events, holding a relevant policy of insurance usually means the difference between survival and having to close for good.

**BUSINESS INTERRUPTION**

Often the income impact from closing your course due to damages from catastrophic weather events such as flooding or bushfires, is more detrimental than actual repairs. The loss of income from lack of business is greater than the cost of the reparations to the club.

This is why **business interruption insurance** is critical. When an unexpected circumstance causes your course, pro shop or driving range to close suddenly, your income and livelihood are protected, whether or not you’re able to stay open for business during the restorations.

[Golf Business Australia](http://bit.ly/2GR1PgZ) (GBA), the fastest growing golf industry insurance and finance provider in the country, has a great understanding of the struggle when dealing with a giant monkey wrench like a storm devastating your course.

With experience from previous damaging weather event, including ex-tropical Cyclone Owen in 2018, which left many communities in devastation in large parts of Queensland, GBA has the knowledge and ability to ensure your golf club or facility receive the best cover, tailored to your club’s location and circumstance.

Last year, GBA teamed up with [Martin Minett](http://martinminett.com.au/), Business Interruption specialists, & other golf industry risk pioneers such as [Epar](https://epar.com.au/) & [Country Club Intl](https://www.countryclub.com.au/), to deliver an end-to-end risk solution for its partnering golf clubs.

**GET YOUR COVER TODAY**

Every golf business has a unique risk profile – let Golf Business Australia customise a plan that works to protect your assets, & revenue, from the severe weather events unique to your area.

Our premium range of golf insurance products aim to offer total golfing peace of mind – whether you are looking for golf insurance for your golf equipment, insurance cover for your buggy or that all important on course third party liability protection, GBA has got you covered!

Feel free to call [The Golf Insurance Guy Daniel Bateup](https://www.linkedin.com/in/daniel-bateup-5869b932/) anytime on 1300 852 025 or fill out the form on our [website](http://bit.ly/2GR1PgZ) and we’ll be in touch to start your insurance review journey soon.


Natural Disaster Cover – Is Your Golf Club Protected?

There’s nothing I love seeing more in my profession than a win for the Australian golfing industry.

A 425-hectare site at Nora Creina, just 15 kilometres south of Robe in South Australia, is set to become a mega hub for golfers and tourists alike, with the development of a highly accredited course in the works

The two 18-hole links-style golf courses, which boast a clubhouse, accommodation, a cellar door, a wellness centre, a wagyu beef farm and an Aboriginal Heritage education centre, is not only going to pump an estimated $17.5 million back into the state’s economy but also generate 150 full times job opportunities.

The development of a project of this calibre, in my opinion, is going to give the Australian golfing industry the push it deserves, where our courses that aren’t in major tourism destinations, will be viewed at an international standard.

Project developer, Justin Scanlon, has been quoted in media resources saying the project at Nora Creina has been in the pipelines since 2008, but has only recently received the financial commitment and approval from the State Government it needed.

I tip my hat off to Mr Scanlon. He had a vision, saw the opportunity and stuck to instincts to create a project that will boost the region itself, tourism numbers and the image of Australia golf. I’m certainly looking forward to seeing the finished product and economic boom it will bring to South Australian golf.


New South Australian Golf Course creates 150 employment opportunities

Not totally surprising at this time of the year, the *weather* around the country has been a tad bit on the extreme side, alternating hot temperatures well above average, and heavy deluge with significant storm events to follow.

In late December last year, ex-tropical Cyclone Owen left many communities in devastation when dumping incredible amounts of rain over parts of Queensland’s north tropical coast in particular.

Unfortunately, these types of events more often than not also cause havoc to golf courses, with several clubs around Queensland and NSW experiencing [**business interruption**](http://bit.ly/2GR1PgZ) and substantial financial hardship as a result of the rough climate.

This manner of unusual weather is changing the way insurance carriers evaluate property risks for golf and country clubs in Australia, and the availability and terms of coverage they’re offering.

Golf clubs and facilities in cyclone-prone areas especially need to assess their risks and prepare for what could happen, in order to minimise the financial affect of business interruption caused by severe weather events.

**Business Interruption**

Commonly, most commercial property insurance claims focus on physical damage, instead of economic loss. Often the income impact from closing your course due to damages from catastrophic weather events is more detrimental than actual repairs.

This is why business interruption insurance is critical. When an unexpected circumstance causes your course, pro shop or driving range to close suddenly, your income & livelihood are protected.

By their very nature (and Mother Nature), business interruptions are unpredictable at best.

[Golf Business Australia](http://bit.ly/2GR1PgZ) (GBA), the fastest growing golf industry insurance and finance provider in the country, has a great understanding of the struggle when dealing with a giant monkey wrench like a storm devastating your course.

The company has recently teamed up with [Martin Minett](http://martinminett.com.au/), Business Interruption specialists, & other golf industry risk pioneers such as [Epar](https://epar.com.au/) & [Country Club Intl](https://www.countryclub.com.au/), to deliver an end-to-end risk solution for its partnering golf clubs.

Golf Business Australia recently had an outstanding claims outcome, where they were able to deliver an exceptional business interruption outcome through its expertly prepared ‘Pro Shop Insurance’ policy, to a PGA Professional who suffered **Loss of Attraction** following the Nth QLD cyclones.



***Loss of Attraction;***

** ***The **Loss of Attraction** extension is intended to cover **financial** **loss** caused by the destruction of an **attraction** nearby, but not necessarily damage to the insured premises itself.*

*At GBA, if your business (i.e. Pro Shop) is located within a multi-tenanted commercial complex, we will treat damage to property of a major tenant (i.e. Golf Club) as being damage for the purposes of this cover section provided that:*

*(a) The damage to the property of the major tenant would have been covered under the Property Damage cover section if such damage had been to property insured under that cover section;*

*(b) The damage results in a reduced pedestrian count in such complex; and*

*(c) The damage results in interruption of or interference with your business.*

**The Outcome**

Located in the Whitsunday region, the Pro Shop Owner/Operator had experienced noteworthy business interruption following course closure as a result of cyclone Owen last year.

Golf Business Australia settled in favour of the Pro Shop Owner/Operator, offering $12,500 to represent their loss of profits during a normally busy holiday period, a result of reduced customer traffic following unplayable course conditions – ***Loss of Attraction.***

If your club or facility did not incur any of the damage during the storm season, you’re one of the lucky ones. But there is no guarantee that you’ll be as lucky in the future.

**Golf Clubs need to be aware of risk and manage it effectively.**

Every golf business has a unique risk profile – let Golf Business Australia customise a plan that works to protect your assets, & revenue, from the severe weather events unique to your area.

Our premium range of golf insurance products aim to offer total golfing peace of mind – whether you are looking for golf insurance for your golf equipment, insurance cover for your buggy or that all important on course third party liability protection, GBA has got you covered!

Feel free to call [The Golf Insurance Guy Daniel Bateup](https://www.linkedin.com/in/daniel-bateup-5869b932/) anytime on 1300 852 025 or fill out the form on our [website](http://bit.ly/2GR1PgZ) and we’ll be in touch to start your journey soon.


Queensland proshop owner stays afloat with business interruption insurance following cyclone damage

As most of your know by now, I'm getting my shoes shined ready for the Golf Business Forum in Melbourne.

Now that we've announced our official launch date, we want to explain a little bit about WHY we're at the event.

Well, there hasn't been a forum like this held in Australia before.  One where golf business owners and operators, as well as anyone working within the golf industry, can come together to share thoughts, ideas & successes with one another,  For GBA, that's crucial as we grow from our very own experiences.

There's such a great line-up of speakers at the Forum.  To be honest, we're a bit spoilt for choice.  We're unable to cherry pick, but we're looking forward to hearing from Jay Karen, CEO of the National Golf Course Owners Association in the US.  We're obviously based Down Under, but getting perspective and insights from an international level will always help local businesses plan ahead and grow further.

Closer to home there's Kim Ellis, the Executive Director of Sydney's Parklands and Botanical Gardens, which includes Moore Park Golf Club.  Kim will be talking about what it takes to invest in public golf.  Being big fans of Moore Park here in Sydney, we're keen to hear more about this thought leading club.

Strategy for golf businesses is something we live and breathe every day - deciding the best approaches and solutions for our customers to give them the best service that we can.  Our strategy is based on the detail we know so that plans can be delivered effectively.  For this reason, we're keen to hear Jo-Ann Foo's research and insights session.

And how can you not love the Sports Geek podcast?!  Looking forward to hearing from Sean Callanan talk about client engagement on digital platforms so we can look at interacting with our customers in new & effective ways.

As always, we'd love to have a conversation with you! So if you're heading on down to Melbourne and would like to talk about your business insurance or finance needs please let us know - 1300 852 025.

We'll be tweeting throughout the forum from @golfbusinessau and sharing our launch information with you.


Ramping up for the Golf Business Forum!

“Golf is a good walk spoiled” is a saying many of us are familiar with, maybe even a
little too familiar? Golf has never been portraited as easy game to play, and
some courses are designs to get the better of us. Though most seasoned players
are up for a bit of a challenge along their “walk”, there are some courses even
the pros are struggling to break par at.

If you are ever interested in pitting your skills against the diabolical genius of
a course designer and the elements, we have complied a list of some of the most
difficult and dangerous golf courses around the world.

We dare you to play them!

## 10. Quail Hollow Club — North Carolina, US

Consistently one of the
toughest courses on the PGA TOUR during the Wells Fargo Championship, Quail
Hollow is notorious for its challenges and especially hole #16.

This is where the three-hole closing stretch dubbed
“The Green Mile” begins – a stretch where all holes are design for players to
hit the ball in the water as the greens are surrounded by both a lake and a
creek.

The course is rated 77.2 by the USGA and has a bogey rating of 104.6 – A score an average player would be
happy to score on any day.

![](/images/Quail-Hollow-Wanamaker-Hero.jpg)

Photo credit: [pga of america](https://www.pga.com/story/the-pga-championship-is-returning-to-quail-hollow-in-2025)

## 9. Cape Kidnappers - Hawke's Bay, New Zealand

This golf course, siting at the end of an 8 kilometres peninsula which projects into the Pacific Ocean, is
not only extremely difficult to play, it’s also very dangerous to the unwary.
Set on 183-meter high cliffs, players run the risk of plunging straight into
the water if slipping of the edge on some of the fairways.

Course designer Tom Doak hascreated holes completely exposed to the winds from the Pacific Ocean, so
keeping the ball on course is a challenge in itself. The back nine is the real
cruncher, though stunningly beautiful with narrow strips of fairway running
between cliffs with the ocean as a backdrop.

![](/images/6bddd871528711.5bc852d50c972.jpg)

Photo Credit: [www.behance.net](http://www.behance.net)

## 8. Palm Course Saujana Golf Club  — Kuala Lumpur, Malaysia

There is a reason this
course has been given the nickname "The Cobra". One of its holes, the
172-yards Par 3 second hole, is rated the most difficult hole in Malaysia. It’s
the country’s best known and most celebrated championship course and have tried
and tested many of the world's best at its many Malaysian Opens.

Not short of hazards, the course offers up water and sand bunkers in abundance, just getting to the green
is a struggle. But what the Cobra is really known for is its heavily undulating
putting surfaces which has been dubbed the hardest to putt on in the world by
many. Is your putting game up to scratch?

![](/images/Saujana-Golf-and-country-Club-Bunga-Raya-course-Malaysia.jpg)

Photo Credit: [www.thegolfasia.com](http://www.thegolfasia.com)

## 7. Augusta National Golf Club — Georgia, US

Some might say that the toughest challenges in
playing at Augusta National, is to actually get a chance to play. For
non-members, it’s a near impossible task! For the chosen few, this robust
course offers up towering pines, dramatic elevation changes and broad fairways,
and is arguable America’s most beloved course. But just how tough is it?

While the course isn’t officially graded by the USGA, they calculated an unofficial difficulty score
of the greens with a total score of 148, compared with a figure of 72 for all
U.S. courses. With the highest difficulty score in the country, it’s safe to
assume the greens are indeed tough even to the best putters.

![](/images/Augusta%20National%2012.jpg)

Photo Credit: [www.andaluciagolf.com](http://www.andaluciagolf.com)

## 6. Jade Dragon Snow Mountain Golf Club  —  Lijiang, Yunnan, China

The only existing course in Asia’s snow-mountains and marketed as the
world’s longest course at 8,548 yards, Jade Dragon Snow Mountain has earned a
place in Guinness Book of World Record. The course includes a 711-yard
par-five, a 525-yard par-four and a 270-yard par-three.

Located at an altitude of over 10,000 feet in the Himalayas, even the most season golfer will be affected
by the much thinner air, making it much harder to predict the ball projection.
It’s estimated the ball can travel up to 20 per cent further up here than on a
traditional course. 

![](/images/JD-H4\_J2K9105.jpg)

Photo Credit: [www.nelsonhaworth.com](http://www.nelsonhaworth.com)

## 5. The Ocean Course At Kiawah Island Golf Resort - South Carolina, US

Designed by Pete Dye and his
wife, this course is so challenging that during the Ryder Cup in 1991, even the
top tournament pros including Nick Faldo, were finishing holes with
double-bogeys.

The course can be played at over 7,900 yards from the back tees and offers up a steady stream of traitorous
hazards including huge sand dunes, thorny marshes, fiendish pot bunkers and super
slick greens. The course is continuously topping lists as one of the most
punishing courses in the world by both Golf Digest and CNN.

![](/images/ca-times.brightspotcdn.com.jpeg)

Photo Credit: [www.golfpass.com](http://www.golfpass.com)

## 4. The Dubsdread Course At Cog Hill Golf & Country Club — Illinois, US

If you find yourself just outside of Chicago
and are looking for yet another difficulty test of golf, Cog Hills’ fourth
course the Dubsdread (aka No. 4) should do the trick. The USGA has rated the
course a score of a remarkable 97 due to its “deep bunkers, tricky sight lines
and unforgiving roughs”.

The course has been described as a quite
sadistic round of golf and “a combination of pleasure and pain.” Oh yeah, Dubsdread derives its name from
the intent of instilling dread in “dubs,” or novice golfers…

![](/images/cog-hill-news.png)

Photo Credit: [www.pga.com](http://www.pga.com)

## 3. Carnoustie Golf Links - Dundee, Scotland

You know when the pros are crying, the course is tough! This course famously
brought Sergio Garcia to tears after finishing dead last during the 1999 Open Championship. It has been eloquently called
"Carnasty" forever after.

The course measures 7,421
yards, par-71 and is riddled with pot bunkers ditches and
burns. If you’re off your game you can easily get wallowed by any one of the
hazards along the way. This is your typical bucket list venue and is
rightfully known as ‘Golf’s Greatest Test’ , not only in Scotland and Ireland,
but around the world.

![](/images/4th_green_Championship_course-bell-1024x621.jpg)

Photo Credit: [www.slazengerheritage.com](http://www.slazengerheritage.com)  

## 2. The South Course At Torrey Pines Golf Course — San Diego, US

Another course set on
cliffs, the world-renowned Torrey Pines Golf Course offers up some of the most
dramatic ocean views from several of its dreaded holes. Spanning over 7,800
yards from the black tees, this course will test players’ physical endurance
more than any other course on the PGA Tour.

USGA has provided a 78.8 rating of this par-72 venue, much due to the tight fairways and deep bunkers
that many fall victim of when playing Torrey Pines South. The course has hosted
both the 2008 and the 2021 U.S. Open Championships.

![](/images/ca-times.brightspotcdn.com-571f5574.jpeg)

Photo Credit: [www.sandiegouniontribune.com](http://www.sandiegouniontribune.com)

## 1. The Black Course At Bethpage State Park — New York, US

Drumroll please…the number one toughest
course in the word is… Long Island’s Bethpage State Park’s black course!

And rightfully so. The 7,459
yard long course has a brutal USGA rating of 74.4 from the back tees, with an
infamous sign stating: “Warning: The Black Course is an extremely difficult
course which we recommend only for highly skilled golfers.” It’s narrow
fairways, tangly rough, plateau greens, and huge sculptured bunkers has dubbed this course one of the best and most
challenging layouts the U.S. Open (2002 and 2009) has ever presented.

![](/images/bethpage1.jpg)

Photo Credit: [www.pga.com](http://www.pga.com)

If you have played any of these courses, or feel that we forgotten about
some other real nutcrackers, than please let us know!

## About GBA:

[Golf Business Australia](http://bit.ly/2GR1PgZ) (GBA) can assist
with your overall insurance strategies and will be there if ever in need. We
can customise a plan that works to protect your assets, and revenue, from the
unique conditions and threats of your golf business.

We are the fastest growing golf industry
insurance and finance provider in the country. Our premium range of golf
insurance products aim to offer total golfing peace of mind – whether you are
looking for golf insurance for your golf equipment, insurance cover for your
buggy or that all important on-course third party liability protection, GBA has
got you covered!

Feel free to call [Managing Director Daniel Bateup](https://www.linkedin.com/in/daniel-bateup-5869b932/) anytime on 1300 852 025 or fill out the form on our [website](http://bit.ly/2GR1PgZ) and we’ll be in touch to start your insurance review journey soon. 


Some Of The Most Challenging Golf Courses In The World

Golf is a constantly changing landscape. Improvements are frequently being made to available facilities, which in turn create more employment opportunities and pump funds back into the economy.

I was pleased to hear that one of Sydney’s busiest golf course makeover companies, James Wilcher’s Golf by Design, had landed the contract to to rebuild Strathfield Golf Club’s new-look layout, with the first stages of work having already kicked off.

Strathfield Golf Club is one of the gems located in the heart of Sydney, providing a true challenge to golfers of all levels.

The Golf by Design Master Plan for the project was released late last year and will feature both the 18th and 8th holes finishing near the clubhouse, making the front eight and back 10 more accessible.

These projects all come at a cost, of course. Thanks to some strategic thinking of the Strathfield Golf Club management, who have undertaken a massive enhancement of the entire property with a new clubhouse and practice area included after gaining $52 million from the sale of its clubhouse and car park.

It is anticipated that the course redesign – which will involve the building of six new holes – will be completed by the end of 2017. The new clubhouse is expected to take about 24 months to be finished.

What a win. Not only for our friends at Strathfield but for Golf by Design.

The company has also been appointed to undertake the redesign of Merewether Golf Club near Newcastle. In recent years it also has redesigned Roseville, North Ryde, North Turramurra, Pennant Hills and Cromer golf courses.

Word on the grapevine is Golf by Design will soon announce some global projects linking with one of Australia’s best-known major winning golfers.

What revamps would you like to see next? I would love to know your thoughts!


Strathfield GC partners with Golf by Design for creative rebuild

All but 4 months ago I was sitting in a room surrounded by some of the world’s most gifted golf business minds discussing the game’s global state of play & more acutely its future Down Under.

The Golf Business Forum had generated interest from all walks of the industry with the common goal of growing golf participation & driving positive financial outcomes for Australian golf facilities.

The last thing I expected to see was an emerging disrupter (golf technology) creating a shift from tradition that might just see the game’s popularity reach the effervescent Millennials.

X-Golf Australasia’s General Manager Ben Styles took the stage as an unassuming yet unapologetic keynote speaker that fired with both barrels aimed at traditionalists “whether you like it or not, we (virtual reality / simulator golf) are here, not to threaten golfs integrity but to keep it relevant for years to come”. Ben’s message was that by introducing technology to the game we would cast a much wider net capturing the unconventional golf customer, a golfer that as an industry we are only just starting to bear witness now technology has arrived.

Whilst golf in all its glory is the ultimate challenge for many some see the time & costs pressures of our game as a burden. The best part of a day spent away from family, taxing on the hip pocket & in an environment governed by outdated rules & averse to change. Enter technology – simulator golf (xgolf.com.au), golf on battery powered skateboards (golfboard.com.au), instant feedback swing analysis (flightscope.com), drone film & production (fairwayflyovers.com.au) , hybrid indoor/outdoor golf (realiteegolf.com) & arguably golf technology pioneer TopGolf...

All these & more is why Golf Business Australia has concentrated our recent resources on providing insurance & finance solutions to technology focused businesses within the golf industry.

In a first, Golf Business Australia has developed bespoke insurance & finance products for golf businesses rewriting the rules through the utilisation of technology. Our strategy is to provide unrivalled value to trailblazing tech golf businesses as they journey into a market untouched by the golf industry until now.

Do I think alternate forms of golf will ever dethrone the traditional game? No, but diversification is critical for growth of golf participation in Australia & the time for change is nigh.

What are YOUR thoughts? Will the introduction of technology see a rise in golfs popularity with future generations? I’d love to receive your thoughts.

For more on Golf Business Australia’s exclusive golf insurance & finance products visit [www.golfbusinessaustralia.com.au](http://www.golfbusinessaustralia.com.au/)


The changing landscape of golf

The Managing Director of [Avid Sports Management](http://avidsports.com.au/) is firmly standing behind the sport he loves, despite people telling him the game’s popularity is in decline.

James is doing everything in his power to prove the pessimists wrong, and I commend him for it.

Mr Cooper, who operates [Golf Central](http://golfcentralbne.com.au/) at Brisbane Airport, [Club Mandalay](http://www.clubmandalay.com.au/) in Melbourne and the [Qantas Golf Club](https://www.qantasgolfclub.com/), maintains the game is still strong,  but the industry as a whole is changing shape.

With a wealth of experience in the industry, it’s impossible to ignore Mr Cooper’s belief.  He established Avid Sports Management in 2003, after working with IMG as Director of Golf for Australia and New Zealand.

It was there, that Mr Cooper oversaw facilities such as The Dunes, Moonah Links, Links Lady Bay and Kennedy Bay as well as a number of design projects with Stuart Appleby and Karrie Webb.

He also managed Hyatt Regency Coolum, Pelican Waters and Laguna Quays and held senior management positions with Accor Hotels.

Mr Cooper’s incredible efforts with Avid Sports Management have not gone unnoticed. It is quite clear that the company prides itself on thinking outside the box to deliver industry leading advice and innovative management solutions to the golf industry.

His energy and leadership has allowed Avid Sports Management to build an impressive reputation of working with golf course owners, course architects, committees and members to develop golf businesses that optimise their operating opportunities.

I couldn’t agree more with what Mr Cooper approach.  Not only promoting golf at a professional level, but opening the door to casual golfers to experience the game.  He does this by implementing concepts that challenge the status quo, no more obvious an example than at Golf Central where leisure facilities such as a Mini Golf and a Driving Range have been installed encouraging participation for a wider demographic.

 These days, golf is about delivering an experience. Those of us with the knowledge and expertise in the industry should feel obligated to help grow the game we love & follow in James Cooper’s footsteps.

Are you a golf pioneer? In this forum modesty is discouraged, if you have a success story that is changing the way we play & experience the game of golf for the better, please share!


The Changing Shape of Golf...

The Most Expensive Golf Club Fees In
The World

 Do you think golf is
expensive?

Well, it is hardly known as
a sport for the masses but rather a 'rich
man's sport' for the exclusive elite. This view is deep-rooted in the
history of the game and pertains to the wealth of the people traditionally participating,
but also to the cost of the game. This includes equipment such as golf clubs,
golf bags, gloves, shoes, balls, and more.

But maybe the biggest cost
for the avid golfer are the member fees – an initial payment and the annual levies
required to step foot on the course and enjoy the well-manicured greens and
associated facilities. At many premium courses around the world membership is
invite-only, meaning you have to know somebody and be selected just for the
right to pay the exorbitant membership fee.

 Some of the most exclusive
golf clubs in the world (and their fees) has been made public over the years.
And even though at Golf Business Australia we’re for making golf accessible to
everyone, it doesn’t mean we can’t find it thrilling to find out what the
world’s richest are willing to pay for a round of golf.

Here is a list of some of the
most expensive golf membership (USD) in recent times, in no particular order.

# The Vintage Club — Indian Wells, California (US)

Membership Cost: $250,000.

Annual Membership: $32,000.

![](/images/mountaincourseindianwells.jpg)

*Photo credit: www.palmspringslife.com*

This club recently made headlines as billionaire Bill Gate’s hideaway after his
public divorce. The exclusive club has never had any trouble attracting
members, even though the fees adds up to a small fortune with an initial fee of $250,000 in addition to an annual
membership fee of $32,000.

More than play at the two
18-hole Tom Fazio championship golf courses, the 505 members enjoy access to a
15,000 square-foot Fitness and Wellness Center, an elaborate Swim Complex, and
full-service Golf and Tennis Centers.

# National Golf Links of America — Southampton, New York (US)

Membership Cost: $150,000.

Annual Membership: $10,000.

![](/images/1573414176623.jpeg)*Photo credit: Golf Digest*

Known as one of the most perfect courses in the world and a popular club for Wall Street's rich and powerful,
this golf course with close proximity to New York (Southampton, Peconic Bay) is
invitation only and comes with an initiation of $150,000, plus $10,000 in
yearly fees.

If you’re curious to find out more about the club you’re  out of luck. Non-members are unable to peek at
their website – go ahead, try searching for it - which is exactly the way the
members like it at this exclusive venue.

# Augusta National Golf Club — Augusta, Georgia (US)

Membership Cost: Unknown (approx.$40,000)

Annual Membership: Unknown (approx. $250,000 - $500,000)

![](/images/clubhouse.jpg)*Photo Credit: Golf Property*

Unsurprisingly, one of the most prestigious
course in the US (if not the world) is strictly invite-only with an maximum of
300 members or so at any given time.

It has not been officially established
exactly what the cost of membership at Augusta National is, with Golf.com
estimating a club initiation fee "in the range of $40,000" and Forbes
estimating the cost to range from $250,000 to $500,000. For us deadly people it
doesn’t really matter anyways as we will most definitely not get an invite.

# Pine Valley Golf Club — Pine Valley,New Jersey (US)

Membership Cost: Unknown.

Annual Membership: Unknown.

![](/images/golf-pass.brightspotcdn.com.jpeg)

*Photo Credit: Golfpass*

Recently ranked the top course in the US by Golf Digest, Pine Valley is a private club, and non-members can
play only if invited and accompanied by a member. There are a great deal of
mystery surrounding the pathway to membership at Pine Valley, except the
fact that a 20 handicap is required and invitation usually comes with an
unexpected phone call. 

Member and initial fees are
largely unknown. However, considering the exclusive course has ranked ahead of
Augusta National, you could only assume the magnitude of the fees.

# The Royal and Ancient Golf Club of St Andrews – Scotland

Membership Cost: Unknown.

Annual Membership: Unknown.

![](/images/68398698.jpg)*Photo Credit: Mapio.net*

Not only one of the oldest, but largely considered the most prestigious golf club in the entire world, The Royal and
Ancient Golf Club of St Andrews in Scotland is known as the "Home of
Golf". Up until recent years, the club had a male-only membership policy,
but welcomed their first honorary female member in 2015.

Unsurprisingly, memberships is
by invitation only for the 2,500 or so members from all over the world. As far
as membership fees, the old saying goes: if you need to ask, you can’t
afford.

# Baltusrol Golf Club – Springfield, New Jersey (US)

Membership Cost: $150,000.

Annual Membership: $18,500.

![](/images/baltusrol-upper.jpg)*Photo Credit: USGA*

Voted the #2 golf Club in the US in recent years, the Baltusrol
Golf Club is a private 36-hole golf club founded in the 1890s. The club is
known as one of golfing legends \*\*Jack Nicklaus’s all-time favourite
courses after playing the course at the \*\*Baltusrol’s centennial in1995.

According to Forbes, membership at the club will cost you
$150,000 in initial fees, plus $18,500 annual charges.

# The Royal Melbourne Golf Club – Sandringham, Melbourne

Membership Cost: AU $10,000.

Annual Membership: AU $3,500.

![](/images/royal-melbourne-golf-club-east-18th-green-3-79af2b0b.jpg)

*Photo Credit:  Aussie Golf Quest*

Not quite as expensive to join as some of the American clubs, but to play one of
Australia’s top courses is still going to cost you a pretty penny. Rumour has
it that an elite club like Royal Melbourne Golf Club will set you back at least
$10, 000 initially, with annual charges around $3,500.

The
36-hole golf club located southeast of Melbourne is ranked #1 in Australia (and
\#5 in the world), its courses being the oldest and most well renowned in the
country and the most celebrated

Do you know of any other
exclusive clubs that should make the list? Let 
us know 

# About GBA:

[Golf Business Australia](http://bit.ly/2GR1PgZ)
(GBA) can assist with your overall insurance strategies and will be there if
ever in need. We can customise a plan that works to protect your assets, and
revenue, from the unique conditions and threats of your golf business.

We
are the fastest growing golf industry insurance and finance provider in the
country. Our premium range of golf insurance products aim to offer total
golfing peace of mind – whether you are looking for golf insurance for your
golf equipment, insurance cover for your buggy or that all important on-course
third party liability protection, GBA has got you covered!

Feel
free to call [Managing Director Daniel Bateup](https://www.linkedin.com/in/daniel-bateup-5869b932/) anytime on 1300
852 025 or fill out the form on our [website](http://bit.ly/2GR1PgZ) and we’ll be in touch to start your
insurance review journey soon.

 


Some of The Most Expensive Golf Club Fees In The World

**No industry is immune to the forces of external and social change, and the golf industry is no different.**

“As a small club, we would recommend that, come insurance renewal time, all clubs contact GBA. You may well be surprised at to what savings and cover improvements they can provide as the golf industry insurance experts.”

Approximately 73 per cent of all golf courses in Australia are located in regional areas. Many of these regional courses are renowned for their picturesque surrounds and challenging layouts, but a lot of the clubs are also functioning as a critical social fabric in remote towns - a community hub where people, besides playing golf, gather and celebrate milestones.

Regrettably, a great number of these clubs are also facing financial pressures from small and declining local populations and are dealing with vastly different challenges to what many of the inner-city clubs may face.

Last year, in an attempt to assist such clubs, the Queensland Government announced a license fee cut for small country pubs and clubs in very remote Queensland. The scheme ensured a halving of license fees for clubs with no more than 2000 members, which came into effect in July last year.

State Government initiatives like aforementioned are important in ensuring the viability of these, often times volunteer based, smaller clubs. But it’s also imperative for such clubs to properly insure themselves, and to associate with an insurer who understands and can accommodate for the unique needs and circumstance of a small outback club.

[Golf Business Australia](http://bit.ly/2GR1PgZ) (GBA) provides unrivalled, premium competitive insurance solutions to Australian golf facilities of all shapes and sizes. The company has a proven track record with small outback clubs and possess intimate knowledge of golf facilities and the special requirements for clubs in regional areas.



**The challenges**

Australia’s many golf clubs come in a diverse range of shapes and sizes and are experiencing significant micro and macro change and increasing challenges depending on location, population and funding.

Some of the greater challenges for clubs located in the Australian outback relates to the population and participation decline, which impacting negatively on club’s membership recruitment and retention. These clubs are also suffering the effects of rising cost structures and increasingly complex governance responsibilities placing strain on volunteer committees and Boards.

These challenges are, of course, in addition to the all-encompassing shifts in consumer preferences relating to club membership and flexibility of playing/paying arrangements which faces all golf clubs in Australia. It is sound management practice to address these challenges in a proactive way.

Last year, [GBA](http://www.golfbusinessaustralia.com.au/) was able to assist a small regional NSW golf club who, at the time of renewal, was made aware that there were issues with the current insurance as identified by the underwriter insurance holder.

As a result, the club’s insurance bill sky-rocketed and it was exposed that there had been areas of the club that might not have been receiving full coverage under the existing scheme.

In effect, the club’s secretary contacted [Golf NSW](http://www.golfnsw.org/) and [Golf Industry Central](https://www.golfindustrycentral.com.au/), which both provided a contact to [Golf Business Australia](http://www.golfbusinessaustralia.com.au/). The club connected with GBA and asked what could be done for them as a club.

Daniel Bateup, Founder and Managing Director requested some documentation from the club and was able to provide the club with a quote on the same day. GBA’s comprehensive insurance offered the club a saving of a third of the previous insurance coverage and substantial improvement to the overall cover including, but not limited to;

1.  Flood insurance in a flood-prone area.

2.  Increased Club Liability from $20m to $50m

3.  Annual Premium saving approx. $10,000

4.  Priority service from a golf industry insurance specialist.

5.  Access to GBA’s network of golf industry professional service providers i.e. Asset Valuers, OHS Consultants

[Golf Business Australia](http://bit.ly/2GR1PgZ) (GBA) is an official partner of Golf NSW and the fastest growing golf industry-specific insurance and finance provider in the country, and with great understanding of the struggle many of the country’s regional clubs face in an ever-changing landscape.

 

**GBA Comprehensive Insurance**

GBA can offer regional clubs a review of their insurance as well to help slash fees even further where possible and assist in conserving these significant community clubs across Australia.

“It was an easy choice for our club to join GBA after they clearly demonstrated a comprehensive understanding of our landscape and the risks exposures faced by Australian golf clubs,” said GBA client Nyngan Golf Club, located in a small country town in central NSW.

“Improved cover and premium savings of approx. $4,000 has been a massive boost for our predominately volunteer-run club, supported by the ongoing assistance of Daniel Bateup and the GBA team.”

To read what other clients have to say about GBA, please visit the [website](http://www.golfbusinessaustralia.com.au/).

**Golf Clubs need to be aware of risk and manage it effectively.**

[Golf Business Australia](http://bit.ly/2GR1PgZ) (GBA) is an official partner of Golf NSW and the fastest growing golf industry-specific insurance and finance provider in the country, and with great understanding of the struggle many of the country’s regional clubs face in an ever-changing landscape.

Every golf business has a unique risk profile – let Golf Business Australia customise a plan that works to protect your assets, and revenue, from the unique conditions of your area.

Our premium range of golf insurance products aim to offer total golfing peace of mind – Whether you are looking for [HIO insurance](https://www.golfindustrycentral.com.au/golf-industry-news/increase-revenue-for-your-events-with-a-hole-in-one-prize-offering/) for your event, golf insurance for your golf equipment, insurance cover for your buggy or that all-important on course third party liability protection, GBA has got you covered!

Feel free to call [The Golf Insurance Guy Daniel Bateup](https://www.linkedin.com/in/daniel-bateup-5869b932/) anytime on 1300 852 025 or fill out the form on our [website](http://bit.ly/2GR1PgZ) and [get a quote today](https://gba5.typeform.com/to/lJ3MWp) and we’ll be in touch to start your journey soon.


The Outback Golf Insurance Initiative Launched

**Before you tee off, make sure your golf travel insurance is on par.**

The golf tourism industry has boomed over the last decade, with a steady upsurge in holiday makers worldwide opting to bring their clubs and squeeze in a quick 9 or 18-holes between poolside margaritas when travelling.

Recent numbers reveal that approximately 56 million people worldwide are enjoying golf as a professional or pastime activity, and golfer’s eternal quest for the perfect round takes many tourists to resorts and holiday destinations accommodating their passion. According to [IAGTO](https://www.iagto.com/), International golfing travel has witnessed unprecedented growth with an estimated 1.6 million golf holidays reported in 2012 alone, with an annual growth rate of over 20% for emerging destinations.

And this is just the beginning. The sport now contributes about $20 billion annually, and could potentially attract millions of holiday makers across the world by itself or as a secondary motivator as more countries embrace golf tourism as a key source of foreign exchange. Creativity in relation to new golf courses is at peak levels.

This is all great news. However, even though the golf tourism industry may be fast-rising, there’s also risks associated with the relatively new phenomenon, which, if not taken into careful consideration, has the ability to put limitations on its growth.

**Before you book your tickets, ensuring you have golf travel insurance in place is vital.** **Golf travelers need to be aware of risks and manage it effectively.**

When you take out travel insurance, you expect to be covered for the three main areas of risk. These are medical and hospital expenses, trip delays and cancellations and loss, theft or damage of luggage and personal belongings.

Without adequate cover, your holiday can end up in disaster. Just consider… with golf clubs ranging into the thousands, it simply wouldn’t do to lose your golf gear on a trip away.

But unfortunately, it happens.

After finishing in a tie for 23rd at the U.S. Open in 2014, Rory McIlroy’s clubs disappeared somewhere between Newark, N.J., and Dublin, Ireland. If an airline can misplace the golf clubs of the no. 1 player in the world, it can happen to anybody, and you need to be prepared!

For the average golfer, missing golf clubs don’t cost thousands of dollars in potential prize money, but such an incident certainly puts a damper on any golf getaway.

**WHAT WE COVER**

Using [Golf Business Australia’s](http://www.golfbusinessaustralia.com.au/) (GBA) travel insurance for your next golf holiday will put your mind at ease so you can spend more time on the green and less time seeing red.

Standard travel insurance is generally a great option but many policies don’t cover golfing equipment. At GBA, we have designed a Golf Travel extension specifically with golfing holidays, golf experiences and golfing destinations in mind.

GBA’s insurance will cover your golf trips abroad three-fold. Firstly, it protects your trip as a whole against the normal travel insurance concerns; you’ll be covered for the cancellation of your trip, the loss of your baggage and a whole host of other benefits.

Golfers will also be protected should they be injured on the golf course abroad. You’ll have cover for emergency medical expenses in the event you are injured whilst playing golf. There’s also Personal Liability protection should you injure someone else on the golf course.

In short, [GBA](http://www.golfbusinessaustralia.com.au/)’s Golf extension provides a range of additional golf-specific benefits a general travel insurance wouldn’t.

**TRAVEL INSURANCE WITH GBA – THE FULL MONTY**

While a general travel insurer may seem to offer similar benefits to the cover you need for your particular sport or pastime, it’s vital to make sure sufficient cover is also being provided in those three much less exciting, but equally important areas of medical and hospital, lost or stolen luggage and trip cancellation or delay.

We’ll cover you for the cost of hiring replacement equipment in the event of your baggage getting misplaced in transit. We’ve also got you covered for the value of trip cancellation, unused green fees due to accidental injury or illness preventing you from playing golf.

**The nitty-gritty**

Your golf equipment is insured against loss, theft or damage up to the benefit limit. We will either replace the equipment with a similar item, pay to repair the item or pay you a sum of money for the item.
If the golf equipment was lost, stolen or damaged due to the airline or carrier it was travelling on, then you must make a claim to the airline before claiming on your GBA golf travel insurance. If the amount the carrier reimburses you is less than the full amount of your claim, then we will pay the difference up to the benefit limit, after factoring in depreciation due to age and wear and tear.
GBA Golf travel insurance also covers the costs associated with hiring additional golf equipment due to your own being lost, stolen, damaged or delayed for more than 24 hours.
Trip Cancellation Coverage reimburses you for pre-paid, non-refundable expenses if you need to cancel your trip before you depart.
Trip Interruption Coverage is similar to cancellation coverage, but covers you while you are on your trip due to sickness, injury, or death of you, a family member, or a traveling companion. We also cover you if weather damages your destination or cancels your flight

**CONTACT US TODAY**

Whether you are looking for golf travel insurance for your holiday, golf insurance for your golf equipment, insurance cover for your buggy or that all-important on course third party liability protection, GBA has got you covered!

Feel free to call [The Golf Insurance Guy Daniel Bateup](https://www.linkedin.com/in/daniel-bateup-5869b932/) any time on **1300 852 025** or fill out the form on our [website](http://bit.ly/2Hlit5Y) and we’ll be in touch to start your journey soon.

**BOOK YOUR TRIP**

[**LuxGolf**](https://luxgolf.com/) is Australia’s first luxury golf touring company specializing in providing you unprecedented access tot he most exclusive, prestigious and private, Member-Only golf clubs in Australia, New Zealand and Hawaii.

*Looking to stay and play on the Gold Coast or Sunshine Coast?*

[**golfOZ**](https://www.golfoz.com.au/) is Australia’s most innovative and creative golfing tour operation in the country, with over 21 years experience in the golfing and tourism marketing area. You are assured of a trouble free, fun packed golfing holiday experience when booking with the friendly staff at golfOZ.

*Or anywhere Australia?*

If you’re looking for the ultimate golfing holiday, playing some of the best courses in Australia, [Paradise Golf Tours ](https://paradisegolftours.com.au/get-a-quote/)has got you covered. To find out more, simply [tell them a little of what you’re looking for](https://paradisegolftours.com.au/get-a-quote/), and they’ll get to work straight away on preparing a quote just for you (yes, each and every one is custom prepared).


The rise of golf tourism increases travel risks. Are you covered?

I am always amused to hear talk of the golf industry declining.

Why?

Shouldn’t it make me mad? Shouldn’t I be thinking of rebuttal to contradict the offender?

Then I realise, I don’t need to because I, like many others in the industry, don’t need to think of arguments to defend the game. We know it is still strong, thanks to confidence, financial investments and innovative thinking at a club level.

Take Pacific Dunes in Port Stephens, for example.

You may question why one of NSW’s top courses, currently ranked at number 54 in Australia, clearly drawing in the players, would spend $3 million on a Golf and Country Club venue.

Two words: Strategic vision.

Not only can you enjoy a game of golf at Pacific Dunes, but you can now wine and dine in a modern and environmentally friendly facility.

Pacific Dunes’ General Manager, Kurt Linde, said the venue would serve as the perfect solution for formal and corporate events, accommodating up t0 200 guests.

The clever move I’m applauding? Mr Linde has specified this facility is NOT just for golfers. He has boosted its appeal to a wider demographic.

It seems clear that Mr Linde knows what he’s doing, having approved the luxurious but environmentally sustainable design that will dramatically reduce energy consumption and long-term operational costs of the facility.

These features include air conditioning that incorporates a geothermal heat pump system which is also linked to the venue’s swimming pool and hot water, along with a 30kw solar-powered photovoltaic system which is utilised to offset building energy usage.

Bravo to Pacific Dunes. While it’s a significant investment, they’re thinking long-term and strategically for not only the players but for the wider community to enjoy club facilities.

What do you think about Pacific Dunes foresight? Do you think other clubs need to adopt similar projects to yield stability? I would love to know your thoughts.


Upgrade ensures prosperous future for Pacific Dunes

I’m delighted that arguably Australia’s best golf course, Kingston Heath Golf Club, has been named as the venue to host the 2016 World Cup of Golf. 

The World Cup of Golf is one of the most prestigious global events in golf and this will be the 58th year it has taken place and only the fifth time that it will be played in Australia. 

This is the first year that Kingston Heath Golf Club has won the bid to host the event over neighbours Royal Melbourne; fuelling the debate of Australia’s number one layout. This aside, reports suggest that the tournament promises to deliver up to $66 million in additional economic impact to the State of Victoria, thanks to an estimated 25,500 visitors and up to 400 new jobs being created. 

Victorian Minister of Tourism & Marjor Events John Eren declared “our events ensure our visitor economy is the best in Australia. Victoria’s steady stream of visitors means our restaurants, hotels and small businesses are full – and that means a stronger state” 

This is great, not only for Australia & the golf industry, but specifically for Kingston Heath Golf Club. Consistently ranked in the worlds top 50 the Sandbelt course in Melbournes southeast will undoubtedly showcase the magnificent golfing landscape Down Under to a combined global audience of 1.7 billion people. 

Here's a sample of what to expect when the gates open for play in November!


Victorian Tourism to be boosted by Kingston Heath World Cup showpiece

Wow!

It's been an EPIC journey and we couldn't be more excited to share with you the OFFICIAL launch of Golf Business Australia.

We've come such a long way in a very short period of time and we never imagined we would be partnering and working with some of the biggest golfing names and companies in Australia so soon.  The journey thus far has surpassed out every expectation.

To celebrate, we're officially launching at the **Golf Business Forum in Melbourne on the 25th - 27th July** and taking the time to say a huge thank you to our current clients and say a big 'HELLO!" to our future ones.  

As a sponsor of this exciting event, we'd love to meet you at the cocktail evening of Monday 25th July or for a coffee at any time at the conference.  It's always better face to face!

Golf Business Australia pride ourselves on our first class service, and working with established and emerging golf businesses is our passion.  Let us help your business grow by introducing value adding opportunities to assist in maximising your performance outcomes.  Even better - at the same time we can reduce your costs to further increase your profitability.  

You can book an appointment with us by emailing info@golfbusinessaustralia.com.au or call one of our team members on 1300 852 025 to meet & share YOUR story.


We've launched! Help us celebrate at the Golf Business Forum in Melbourne

At a glance, it may seem golf is a less dangerous sport than many others, say football or cricket. But lately, golfers and spectators alike have become increasingly aware of the risks they may face out and around the golf course.

American magazine Golf Digest reported last year more than 40,000 golfers are being brought to the hospital with injuries in the United States, most caused by errant golf balls. And we all remember too well the spectator hit in the eye and blinded by a Brooks Koepka’s tee shot on the sixth hole at last year’s Ryder Cup.

With that fresh in mind, many may now wonder, what is the situation with regard to liability when someone has caused an injury on or around the golf course? *Are injuries as a result of a wayward shot the responsibility of the golfer, the facility, or neither?*

[And is it possible for player, tournaments, and golf facilities to insure themselves against such damages?](http://www.golfbusinessaustralia.com.au/blog/are-you-protected-from-bad-tee-shots-make-sure-you-cover-your-ass-ets)

The law on liability resulting from injuries caused by errant golf balls is not clear and the damage to the golf course owner could be financial and substantial. The liability depends, however, on the circumstances of each case.

It is worth noting that in Australia very few cases of golf injury are reported in the legal literature, despite the fact that hospital records show a range of injuries being treated every year. Anecdotal evidence suggests that many golf-related personal injury cases are either not pursued, or are settled outside of court.

One of few cases registered in Australia occurred back in 1994, when amateur player Glen Thomas Ollier was playing in a charity golf game at the Magnetic Island Country Club, off Townsville. Ollier was hit in the head by a stray shot and suffered serious permanent brain damage. He was later awarded $2.6 million in damages by the Supreme Court in Townsville.

But the award was made against the player who hit the ball, not the golf course. Mr Ollier had however sued the golf club at trial, too, but this was dismissed and was not challenged on appeal.

**Why so?**

To understand the liability of the club we need to know about the Occupiers’ Liability Act.

Much simplified, the Occupiers’ Liability Act says that clubs must provide golfers and visitors a reasonably safe environment to play golf. This means that golf clubs must warn, or make golfers aware of, foreseeable dangers of which they might otherwise be unaware. In addition to the warning, there may be other actions that need to be taken to meet the club’s duty of care.

It is when a club is seen to fail in this duty it may be taken to a civil court. The claim would be that the club had acted negligent.

For a claim to succeed three components are needed. The club needs to breach the duty of care (careless conduct), there needs to be a causal connection between that conduct and the damage, and that it was foreseeable that such conduct would inflict that kind of damage on the person harmed.

If the duty and these three elements are established, then the negligence is established. Thereafter, consideration must be given to the extent of the defendant’s responsibility.

To ensure duty of care is upheld, golf clubs should implement a number of recommendations to protect themselves and all visitors on the premises. The golf club should carry out a formal recorded risk assessment of the course, and ensure that there are explicit warning signs, preferably on the course, where there are foreseeable risks. Clubs should also encourage golfers to report near misses.

In the case of spectators at a professional tournament, there is probably a lower expectation that shots will veer off line as much as they do on a course played by amateurs. However, in the knowledge of recent events, where even professional players hook and slice shots occasionally, event organisers must also assess the risk and take measures to ensure that it is reduced to the lowest level reasonably practicable.

In the case at the Ryder Cup, Frenchwomen Corine Remande later threatened to seek legal redress from the tournament organisers, claiming they failed in their duty of care to spectators in the gallery.

**“Fore!” – is this warning enough?**

One reported player liability case took place in Queensland in 2008, *Mr Trude vs. Dr Pollard.*

Both amateur players were in the same foursome playing in a tournament. Mr Trude, an experienced golfer, was the last player to take his second shot. At the time, Dr Pollard was in front of him on the golf course but well away from where Mr Trude and Dr Pollard believed Mr Trude would hit the ball.

When Mr Trude hit the ball and realised, or should have realised, that its trajectory was not as expected, but instead in the direction where he believed Dr Pollard to be waiting, Mr Trude had a duty to warn Dr Pollard of the approaching ball.

Mr Trude called out words to the effect of “Watch out Erroll” but as Dr Pollard turned the ball struck him in the eye causing serious injury and vision impairment.

Dr Pollard later sued Mr Trude.

Mr Estwick, the president of the golf club, gave evidence that a warning should be given before a player hits the ball when another person was in a position of potential risk. Dr Pollard gave evidence that he heard Mr Trude call out, “Look out, Errol” or “Watch out, Errol”. The judge rejected Mr Trude’s evidence that his call when he realised his shot was going astray was not meant as a warning but as a request to Dr Pollard to watch out for his ball lest it be lost.

The case established that the traditional warning of *‘fore’* was not required prior to a competent golfer hitting their shot.

However, if the shot was to go awry and there was the possibility of being hit, then a verbal warning of *‘fore’* or some other audible warning is expected, which is in line with the ‘Rules of Golf’, approved by St Andrews and The United States Golf Association.

*“If a player plays a ball in a direction where there is a danger of hitting someone, he should immediately shout a warning. The traditional word of warning in such situations is ‘fore’.”*

Interestingly, the judges were also of the opinion that the position may had been different had Mr Trude been an inexperienced or incompetent golfer.

Essentially, each case is likely to be judged on its own merits.

Golf clubs, players and event tournament organisers can obviously insure themselves against claims for negligence by taking out public liability insurance.

**Golf Clubs need to be aware of risk and manage it effectively.**

[Golf Business Australia](http://www.golfbusinessaustralia.com.au/) (GBA), Australia’s premium provider of golf industry insurance, has teamed up with Epar & Country Club International among others to deliver an end-to-end risk solution for its partnering clubs.

Our premium range of golf insurance products aim to offer a total golfing peace of mind – whether you are looking for golf insurance for your golf equipment, insurance cover for your buggy or that all important on course third party liability protection, GBA has got you covered!

Feel free to call The Golf Insurance Guy Daniel Bateup anytime on 1300 852 025 or fill out the form on our [website](http://www.golfbusinessaustralia.com.au/) and we’ll be in touch to start your journey soon.


Who is liable for injury, the player or the facility?

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