Running a golf club means managing more than a course. General Managers and committees are responsible for a hospitality venue, a retail operation and a sports facility, often with a dedicated team covering all three. Golf club insurance in Australia needs to reflect its complexities, covering the clubhouse, the pro shop, the fairways, and the members and visitors who enjoy the facility every day.

Golf Industry Insurance Specialists

Together, the above form the basis of a golf facilities insurance program built around how a modern golf club actually operates, both on and off the course.

Golf club insurance coverage needs to reach every part of a golf facility, not just the course itself. Golf Business Australia builds programs protecting areas that matter most to Australian clubs and golf facilities;

Covers golf clubs for minor & major perils including storm, fire and weather-related damage to the course, greens and fairways, as well as the clubhouse, pro shop, machinery sheds and any club-owned or leased cart fleet. Cover extends beyond the buildings to include contents, fixtures, pro shop stock and equipment used in the maintenance and operation of the course.

Protects a golf club's financial position following insured property damage that disrupts normal operations. This can include loss of gross revenue, continuing operating expenses, additional costs incurred to minimise or avoid a reduction in revenue, and increased costs of working required to maintain operations while repairs are undertaken. For golf clubs, this can be particularly important where damage to the course, clubhouse or critical equipment prevents normal golfing activities, functions, competitions, memberships or pro shop operations.

Covers the golf club's legal liability for injury to third parties or damage to third-party property arising from the club's activities, premises, products or services. This can include incidents such as slip and fall injuries in the clubhouse or errant golf ball losses experienced on course.

Protects club management and committee members against disputes over governance decisions, employment matters and regulatory obligations that require legal support and/or result in fines or penalties.

Protects golf clubs against the financial and operational impact of cyber incidents, including data breaches, ransomware, phishing, business email compromise and other digital threats. Cover can assist with system recovery, data restoration, breach response, regulatory costs and business interruption, helping the club respond quickly and minimise disruption.

Protection From Tee To Green

Golf Business Australia works exclusively within the AU golf industry. This focus shapes every golf club insurance policy we put together, from cover selection through to claims. If your current policy is due for renewal, request a review of your expiring program with GBA today!

Get Golf Club Insurance Cover From Golf Business Australia

Golf Club Insurance

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](https://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!

**Australian golf courses’ susceptibility to volatile weather
conditions has forced many insurers out of the market. This has left
Australian golf clubs with very few coverage options and unfortunately,
increased premiums.**

Recent local and global events have conspired to create extremely
adverse conditions for golf industry insurers. With the interest rate
hovering just above zero and steep increases in preventable type
insurance claims, the stakes (costs) have been deemed too high by most
insurers.

According to golf industry insurance expert and Managing Director of [Golf Business Australia](https://www.golfbusinessaustralia.com.au/),
Daniel Bateup, it’s necessary for golf club management to start
understanding their role in mitigating the unique risks associated with
golf courses to avoid unnecessary claims and subsequently lower
insurance premiums.

To assist this process, Daniel is offering Australian golf clubs his expertise via an insurance *health-check*, providing risk analysis and options to ensure clubs are receiving the best rates and coverage in a limited insurance market.

## **Understanding golf club risk for better results**

“Many of the available coverages today 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,” says Daniel.

Daniel has been helping Australian golf clubs and the wider golf
industry access customised insurance solutions since 2016 and has gained
a great understanding of the struggle many clubs and golf businesses
are facing through his interactive approach.

“Every golf business has a unique risk profile, and our *health-check* will identify the risks clubs are subject to and determine whether insurance is adequate and appropriate.”

He explains that the golf club’s biggest asset, the golf course,
presents a unique set of risks that are not found anywhere else.              

## **Customised plans for every club**

“Golf Business Australia can customise a plan that works to protect 
your assets and revenue from the unique conditions and threats specific 
to golf. We are familiar with the nuances of golf club insurance and are
 taking a targeted approach to transfer risk and lower premiums.”

Following the completion of GBA’s insurance *health-check,* 
golf clubs will not only receive experienced golf industry insurance 
advice, but the ammunition required by your broker to successfully 
negotiate appropriate cover and lower premiums with insurers.

**Get your golf club insurance *health-check* with GBA today for just $500+GST.**

Contact Daniel today on 1300 852 025 or fill out the contact form on GBA’s [website](http://bit.ly/2GR1PgZ) and get a quote to start your journey soon.

## **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 businesses are facing.

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

Some of our clients:                                           [                                                                                                                                                  ](https://www.adplugg.com/track/click/A482991/39861/click?toi=991\&hn=www.golfindustrycentral.com.au\&bu=%2Fgolf-industry-news%2Fgolf-club-insurance-it-shouldnt-be-complicated-and-now-it-isnt-with-gbas-insurance-health-check%2F\&rf=https%3A%2F%2Fwww.golfindustrycentral.com.au%2F\&zn=3590\&pm=\&ct=\&next=)                                                                                                                                        [                                                                                                                                                  ](https://www.adplugg.com/track/click/A482991/53190/click?toi=991\&hn=www.golfindustrycentral.com.au\&bu=%2Fgolf-industry-news%2Fgolf-club-insurance-it-shouldnt-be-complicated-and-now-it-isnt-with-gbas-insurance-health-check%2F\&rf=https%3A%2F%2Fwww.golfindustrycentral.com.au%2F\&zn=3590\&pm=\&ct=\&next=)

![](/images/image%20copy.png)


Golf Club Insurance: it shouldn’t be complicated and now it isn’t with GBA’s Insurance Health-Check

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

Blog

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!

The insurance market has been under considerable stress in recent times as a
range of both local and global events have conspired to create extremely
adverse conditions for insurers, as well as for those seeking insurance. Many
are left confused.

Founder and Director of [Golf Business Australia (GBA)](https://www.golfbusinessaustralia.com.au/)
Daniel Bateup has gained a great understanding of the struggle many clubs and
golf businesses are facing through his interactive approach, and has vowed to
simplify the insurance process for Australian golf clubs and pro shop owners.

He is celebrating five years in the trade as Australia’s
leading golf-specific insurance and finance provider, so we thought, who to
better answer some of the most frequently asked questions about golf club and
pro shop insurance than Daniel? 

## Question: Why did you decided to start GBA?

I started working in insurance in 2005 after a failed soccer career.  In 2016, I decided to fine-tune my aim and
launched Golf Business Australia, focusing solely on the golf industry.  This venture stemmed from years advising and
administrating golf clubs insurances before identifying a greater opportunity
to service the wider golf business community.

The passion that I have for the golf industry was born out of what I’ve
received from the game in the past; the sport itself and what the industry
offers. I started Golf Business Australia because I saw an opportunity, but I
also share many people’s passion for golf. Being able to combine my expertise
and apply my qualifications to an industry that I love was a no-brainer.

Earlier this year Golf Business Australia [celebrated
five years in the industry](https://www.golfbusinessaustralia.com.au/blog/100-golf-facilities-protected-by-golf-business-australia-australia-s-1-golf-insurance-specialist/) with over 100 golf clubs and
facilities in our clientele.

## Question: Who does GBA partner with?

Golf Business Australia believes in a united industry front
and we are always seeking out relationships in the industry with golf industry
experts and government bodies to benefit our clients. We are proud to be an
Insurance & Risk partner of [Golf NSW](https://www.golfnsw.org.au/) and
an Official Licensee of [The
Australian PGA](http://www.pga.org.au/).

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.

![](/images/2019111\_HR_GBA_Partnership-001%205.35.43%20am.jpg)

## Question: What sets GBA apart from other insurers?  

In short, our passion for the game
and our personal and interactive approach.

Golf Business Australia 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](https://www.golfbusinessaustralia.com.au/blog/golf-business-australia-your-risk-management-partner-to-reduce-insurance-premiums/) 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. 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.

Our points of difference are:

## Question: What’s your process for understanding clients’ needs?  

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.

We
are 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.

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.

## Question: What is the Outback Insurance Initiative?

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.

At
GBA we 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.

Read
more: How GBA has [helped
clubs in the outback](https://www.golfbusinessaustralia.com.au/blog/the-outback-golf-insurance-initiative-launched/) with their insurance needs.

## Question: What’s business interruption & why is it important?

Extreme
weather events has changed 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 effect of [business
interruption caused by severe weather events](https://www.golfbusinessaustralia.com.au/blog/queensland-proshop-owner-stays-afloat-with-business-interruption-insurance-following-cyclone-damage/).

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 and livelihood are protected.

## Question: What is association liability?

 

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 and staff. The consequences can
lead to civil, or even criminal action.

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 personally liable](https://www.golfbusinessaustralia.com.au/blog/board-member-responsibility-in-these-challenging-times/) 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.

## Question: Can you insure my club against cybercrime?

Absolutely! Golf Business
Australia specialises in [protecting
businesses from cyber risks](https://www.golfbusinessaustralia.com.au/blog/cybercrime-is-your-golf-business-insured/) to every IT facet of their business – hardware,
software, networks and employee error.

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

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

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.



## Question: How does a hole-in-one insurance work?

Hole-in-one
(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 is 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.

When
you consider all the factors, purchasing [HIO
insurance is an easy decision](When%20you%20consider%20all%20the%20factors,%20purchasing%20HIO%20insurance%20seems%20like%20an%20easy%20decision%20and%20a%20must%20for%20charity%20golf%20tournaments.%20%20When%20you%20have%20HIO%20insurance,%20you%20can%20gladly%20give%20out%20that%20huge%20prize%20and%20actually%20root%20for%20players%20to%20win%20it.) 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.

## Is your club insured?

If you need your insurance cover reviewed and quoted at your golf club or
facility – please get in contact with Daniel on 1300 852 025. He customise a
plan that works to protect your assets, and revenue, from the unique conditions
and threats of your golf business.

Daniel builds 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.


Everything you need to know about Golf Club & Pro Shop Insurance 

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?](https://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](https://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](https://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?

The game has changed. Commercial simulator venues and hybrid entertainment spaces are creating new ways to play, compete and socialise. But they also depend on expensive, highly sensitive technology that standard business insurance may not fully protect. From launch monitors to custom bays and booking systems, one accident can bring operations to a standstill. Golf Business Australia provides specialist golf simulator insurance built around the risks your venue actually faces.

Golf Simulator Business Insurance

No two simulator businesses operate the same way. Some focus on coaching and club fitting. Others combine golf with food, drinks, events and late-night entertainment. That's why your cover needs to reflect your equipment, fit-out, customer activity and revenue model.

Golf Business Australia can arrange tailored indoor golf technology coverage for risks, including:

Protect launch monitors, projectors, sensors, screens and simulator hardware against fire hazard, accidental damage & technical failure.

Cover custom-built bays, flooring, acoustic treatments, screens, furniture, hospitality assets and other upgrades made to your venue. This helps protect the capital invested in creating a polished, high-performance customer experience.

Address risks linked to confined hitting areas, errant swings, spectator injuries and customer movement through busy venues. Additional exposures can also be considered where alcohol is served. Tailored cover can help account for the way guests move, play and interact across your venue.

When critical technology is damaged, bookings stop and revenue drops. Business interruption cover can help protect cash flow while damaged systems are repaired or replaced. It can also support ongoing expenses during periods when your venue cannot operate at full capacity.

Bespoke insurance for indoor golf venues...

Golf simulator venues are currently at the intersection of hospitality, technology and recreation. That creates risks many general insurance brokers do not fully understand, particularly those still applying standard commercial cover to a highly specialised operating model.

Golf Business Australia brings specialist industry knowledge, tailored policy design and practical support with our exclusive **Golf Technology Insurance Scheme (GTIS)**. We assess how your venue operates, what technology it relies on and where downtime could hit hardest, then shape cover around those exposures under the GTIS. The result is insurance built for the realities of simulator golf facilities, not a generic commercial policy with obvious gaps.

Why choose GBA for your golf simulator insurance?

Golf Business Australia is helping lead the way in golf technology coverage. We understand how virtual golf businesses operate, where traditional policies can fall short and what is needed to keep your venue protected. Do not let equipment failure, accidental damage or tech downtime take your operation out of play. Speak with our specialists about insurance for your golf simulator business.

Protect your simulators. Protect your revenue.

Golf tourism is a global business. Golfers are venturing further, playing more destinations and seeking unforgettable experiences on the fairways. But organising golf tours comes with unique risks. Golf Business Australia provides specialist Golf Tour Operator Insurance built around these risks, giving you the confidence to focus on creating memorable golf experiences, with peace of mind knowing your interests are protected.

Golf Tour Operator Insurance

Managing golf tours involves unique hazards that standard commercial business policies ignore. For golf tour operators, unforeseen accidents on and off the course can lead to severe financial stress. Whether you are running local corporate tournaments or coordinating overseas travel, unpredictable mishaps happen every day:

- A client gets hit by a stray ball during a tournament you organised.
- An airline loses $20,000 worth of a private group's custom-fitted golf clubs.
- A golf cart rollover accident leads to a third-party medical lawsuit.

Protecting your business requires specialised commercial cover designed specifically for these high-stakes scenarios.

From Stray Balls to Cancelled Flights: The Risks of Golf Travel Management...

We break down standard insurance jargon into practical, everyday terms for golf tour operators in Australia:

Covers third-party guest injuries, transit accidents or clubhouse property damage during your organised golf tours.

Protects against financial loss caused by administrative booking errors, wrong tee times or resort scheduling mistakes.

Covers the care, custody and control of clients' high-value golf bags, clubs and gear while in transit.

Protects non-refundable financial deposits if a marquee tournament is cancelled due to extreme weather or course closures.

Tailored Coverage from Runway to Fairway

Through our dedicated golf tour operator insurance scheme, you gain tailored coverage built around your actual itineraries and risk exposure.

Standard policies exclude active sports participation and international travel bookings, leaving Australian golf tour operators vulnerable. Our dedicated golf tour operator insurance scheme fills these exact gaps, protecting your tours locally and overseas.

Timing is everything when securing premier courses and luxury accommodation for your groups. We provide fast Certificate of Currency generation, ensuring you easily meet strict venue compliance requirements and partner with prestigious golf resorts.

Why Specialist Golf Tour Operators Trust GBA

FAQs

Whether you're running local corporate golf days or coordinating international travel, keeping your business protected should be seamless. Contact us today to discuss your coverage needs.

Take the Hazard Out of Your Next Golf Tour with Golf Business Australia

"INSURANCE AND FINANCE THE FAIR-WAY"

Contact us

Home

Golf Business Australia is committed to protecting the privacy of our clients information. The information we collect is used to facilitate services that we provide to you. We value your privacy and will take all necessary steps to protect it.

## Information Collected

We collect personal data through a registration process. We will not sell, transfer, assign or rent your information to any third party without your permission, unless required by law.

Your personal information may be used by Golf Business Australia to forward you information by way of regular bulletins or to contact you by telephone or mail.

By visiting our website, you expressly consent to the collection and use by Golf Business Australia of personal information according to this policy.

## Links to other Websites

This site may from time to time contain links to other websites. Golf Business Australia is not responsible for the Privacy Policy or the content of any of those websites.

## Contact Us

Should you have any questions about Golf Business Australia, this Privacy Policy or our website, you can [Contact Us](https://www.golfbusinessaustralia.com.au/#contact-section).


Privacy Policy

⛈️ __The “Act of God” Defence__

Historically, lightning strikes and severe weather events have often been categorised legally as an “Act of God” — meaning a natural occurrence so extraordinary and unforeseeable that liability cannot reasonably attach to another party.

Golf operators frequently rely on this defence.

One of the leading cases is Hames v State of Tennessee (1991), where a golfer was killed by lightning on a state-owned golf course in the United States. His widow argued the course was negligent because it lacked lightning shelters, warning systems and evacuation procedures.

Initially, an appellate court sided with the widow and awarded damages. However, the Tennessee Supreme Court overturned that decision. The Court ultimately found the lightning strike itself — not the absence of shelters or warnings — was the “proximate cause” of death. The Court also emphasised that lightning dangers are matters of common knowledge.

That ruling reinforced a traditional legal principle:

Natural weather events alone do not automatically create liability but modern courts are increasingly asking a different question, not whether the storm caused the death but whether the operator failed to respond reasonably to a foreseeable danger...

☂️ __The Modern Standard: Foreseeability and Risk Management__

Today, golf courses are expected to actively monitor weather conditions and implement reasonable safety procedures. Technology has changed expectations dramatically.

Lightning detection systems, weather radar, sirens, automated cart GPS warnings, suspension protocols and evacuation procedures are now commonplace across many courses worldwide. As these systems become industry standard, the legal threshold for “reasonable care” rises alongside them.

That issue is currently being tested in a wrongful death lawsuit arising from the death of 29-year-old golfer Raymond Baxter Jr at Bentwater Golf Club in Georgia.

Golf facilities are no longer judged solely on whether storms are natural events — they are judged on whether they responded reasonably once the risk became foreseeable.

![Storm 2](//images.ctfassets.net/55n47dyoik3o/18joWgq7IrOdy5FdLt6k12/259be90cb38f3f16270ce70b65619d4e/image__1_.png)

🕵🏼‍♂️ __Assumption of Risk vs Duty of Care__

Golf operators also argue that players voluntarily assume the inherent risks of outdoor sport.

Most people understand lightning is dangerous. If thunder is audible and golfers continue playing regardless, courts may find contributory negligence or assumption of risk.

However, assumption of risk is not unlimited and courts often distinguish between obvious natural dangers, and operational failures by a venue. For example:

Did the course have a storm protocol?
Were staff monitoring radar?
Were warnings issued promptly?
Were golfers allowed to continue play after danger became apparent?
Did the course provide safe shelter?
Were evacuation procedures followed consistently?

The stronger the operational systems, the stronger the defence.The weaker the systems, the more exposure a facility may face.

🌪️ __Real Cases Beyond Lightning__

Storm liability on golf courses is not confined to lightning strikes.

In Australia, the Northern Territory Coroner investigated the death of William Brown, who died after a tree branch fell on him during a round at Darwin’s Gardens Park Golf Links.

The Coroner found the death was “preventable” and criticised inadequate inspection and maintenance of trees on the course. Recommendations followed for broader tree safety inspections on council land.

This distinction is important legally.

Unlike lightning — which is inherently difficult to control — falling trees or branches may involve:

maintenance failures,
inspection deficiencies,
ignored warning signs, or
poor risk management.

Once human negligence contributes to the chain of events, the “Act of God” defence weakens significantly.

![Dangerous Tree](//images.ctfassets.net/55n47dyoik3o/3MRdvHI7PAawkUZ9DDMJ9c/c79f51e25a7b57fa3ad813804dfe88ba/image_8371632.png)

🔮 __The Problem With Foreseeability__

The central legal battleground in nearly every weather-related golf course death is foreseeability.

Storms are natural.
But foreseeable storms create obligations.

Courts generally ask:

Was severe weather reasonably predictable?
Did the operator have enough time to react?
Did they act consistently with industry practice?
Could reasonable steps have reduced the risk?

The faster and more sudden the weather event, the harder liability becomes to establish.

For instance, recent lightning fatalities in New Jersey and Queensland involved rapidly developing storm systems where questions arose over how much warning time existed and whether golfers themselves appreciated the danger.

This is why many claims ultimately settle around operational conduct rather than the storm itself.

🧾 __Industry Expectations Are Changing__

Perhaps the biggest shift is that golf course safety expectations continue to rise.

What may have been considered reasonable in 1991 may no longer satisfy courts today.

Modern facilities increasingly implement:

live weather monitoring,
automated suspension systems,
GPS cart alerts,
mandatory evacuation procedures,
lightning shelters,
staff emergency training, and
documented storm response protocols.

As these measures become widespread, operators who fail to adopt them may struggle to argue they met contemporary standards of care.

In other words:

The legal definition of “reasonable precautions” evolves with the industry itself.

⚖ __So Who Is Culpable?__

The uncomfortable legal reality is that culpability in storm-related golf deaths often falls into a grey area.

Sometimes the weather is truly unavoidable.

Sometimes the golfer ignores obvious danger.

Sometimes the venue fails to act.

And increasingly, courts are being asked to determine where personal responsibility ends and organisational responsibility begins.

The law does not require golf courses to eliminate all risk. That would be impossible.

But it does require them to respond reasonably to foreseeable danger.

As weather volatility increases and safety technology becomes more sophisticated, the legal scrutiny surrounding golf course storm deaths is only likely to intensify.

Storm Warning: Who Is Liable for Storm Deaths on Golf Courses?

Customer In Focus brought to you by [Bushnell Golf](https://bushnellgolf.com.au/ "Bushnell Golf AU")

🏌️‍♂️__How Golfdream is Redefining the Way We Play — Anywhere, Anytime!__

Golfdream was created with a bold vision: to break golf free from traditional limitations. No longer is the sport confined to manicured grass, fixed facilities, or weather-dependent play. The team behind Golfdream wanted to make golf accessible, flexible, and exciting for everyone — from beginners to seasoned players, from backyard gatherings to major events.

At its core, Golfdream believes that golf should be "Anywhere. Anytime. Everyone.” That means portable setups that can pop up in schoolyards, festivals, corporate spaces — or even your backyard — all without compromising the integrity of the game.

⚙️ __Next-Level Tech for Real Fun__

What really sets Golfdream apart is how it blends cutting-edge technology with portability. Powered by industry-leading TrackMan radar and ball-tracking systems, Golfdream delivers a truly realistic golf or gaming experience. Every swing, shot and trajectory is tracked with precision — replicating the feel of a real course whether you’re indoors or out.

This tech-meets-play approach means you can enjoy detailed feedback and immersive play without needing a sprawling golf course. Whether you’re practising your swing or hosting a friendly competition, Golfdream brings that magic to life.

☔ __Rain or Shine — Golfdream's Ready__

Traditional golf is largely at the mercy of the weather. Rain, wind or scorching sun can ruin plans, but not with Golfdream. Its systems are engineered to work in all conditions — so you can stick to your love of the game no matter what the forecast brings.

![Golfdream - People](//images.ctfassets.net/55n47dyoik3o/7gnQKsV0JpGqgBQJpWWRPg/23a5771b896a4cd5beca0c451ec878c8/Enscape_2025-10-10-09-56-23.png)

💛 __Golf for Everyone__

One of the most inspiring elements of Golfdream is its commitment to inclusivity. The experience is designed to be welcoming and intuitive for people of all ages and abilities. Whether you’re introducing your kids to golf for the first time or hosting a corporate event that surprises everyone with how much fun golf can be — Golfdream makes it easy and enjoyable.

This opens the door for social play, fitness benefits, team building — and just plain old good times with friends and family.

🏆 __Why It Matters__

In 2025, golf is evolving. Virtual and tech-enhanced golf formats are booming — particularly in Australia — thanks to the way simulation and tracking tech create weatherproof, social, and immersive play experiences. Players of all backgrounds are discovering golf can be more accessible, more dynamic, and frankly more fun when it’s not confined to traditional courses.

Golfdream embodies that shift. It invites us to reimagine the sport we love — to embrace flexibility, innovation, and community — and most importantly, to enjoy golf on our own terms.

🎉 __So Here’s to LIV-in’ the Golfdream!__

Whether you’re a lifelong golfer, a casual player, or someone curious about tech-powered play, Golfdream offers a new way to experience the game you love. Golf isn’t just a sport anymore — it’s an experience that can happen wherever and whenever you want.

So grab your clubs, rally your mates, and get ready to tee off into the future. Because with Golfdream, it’s always a good time to play. ⛳️

![Golfdream logo](//images.ctfassets.net/55n47dyoik3o/4jcKgryjEr1F3F6srGWEnR/60bcd9101d040c98864ab0b0292de8fe/GOLFDREAM_LOGO_-_email_signature.png)

LIV-in the GolfDream

LIV-in The GolfDream!

*Zac Chipperfield from The Golf Bunker in Brisbane discussed the service provided by Golf Business Australia following an unexpected water damage incident at his venue.*

Owner of the Golf Bunker in Hamilton, Zac Chipperfield, faced a significant setback when an unexpected water damage claim brought his business to a standstill last recently. That’s when GBA stepped in to provide invaluable support and guidance during this challenging time.

<p><a href="https://www.youtube.com/watch?v=t4TBBIyLahM" class="embedly-card" data-card-width="100%" data-card-controls="0">Embedded content: https://www.youtube.com/watch?v=rMe0YTcnPMc</a></p>

Upon contacting GBA, they promptly dispatched an insurance assessor to assess the damage within 24 hours. Being unfamiliar with the insurance claim process, Zac found GBA’s expert guidance and assistance throughout the entire process to be incredibly helpful. Daniel Bateup, the Managing Director of GBA, played a vital role in guiding Zac through the necessary steps and ensuring he connected with the right professionals to expedite his business’s recovery.

One of the most pressing concerns during this period was the financial strain caused by the closure. However, GBA’s efficient processing of partial payments alleviated this burden, allowing Zac to regain momentum and resume operations. The seamless experience provided by GBA, from the beginning to the end, exemplified their professionalism and dedication.With their tailor-made policies and expert advice, GBA exceeded Zach’s expectations.

Celebrating seven years of serving the Australian golf industry, GBA is highly recommended for anyone involved in the golfing community. Their genuine care for businesses and their ability to provide reliable assistance and protection during uncertain times are unparalleled.

GBA an Official Licensee of the Australian PGA, has a deep understanding of the unique insurance needs of clubs and golf businesses. They can customise a plan to protect your assets and revenue from the specific conditions and threats of your golf business.

## Get in touch!

Contact Daniel Bateup at 1300 852 025 or fill out the contact form on their website for a quote today and find out more about GBA’s specialised insurance and finance solutions.

Golf Business Australia has worked with a number of clients from all facets of the Australian golfing industry to develop a strategic insurance solution to suit their financial position and goals.

Exceptional Support and Peace of Mind For Your Golf Business: Golf Business Australia

This week Daniel Bateup, the visionary behind Golf Business Australia, shared his insights into the game in an in-depth episode of the popular podcast My Love of Golf.

With a deep-rooted passion for both golf and business, Daniel is on a mission to ensure Australian golf businesses are safeguarded with comprehensive insurance coverage. Tune in to discover how Daniel's commitment to the golfing community has helped foster safety and security among Aussie golf enterprises.

Beyond his entrepreneurial pursuits, Daniel is an unapologetic golf fanatic. He revels in tracking the latest developments within the professional golf circuits and even enjoys a friendly wager with his companions at the Avalon RSL.

Co-hosted by the knowledgeable Scott Carter, this podcast episode promises to captivate your attention with engaging discussions on current events, tournaments, and the occasional form tip.

## About My Love Of Golf

Created in 2018 by avid golf enthusiast Ross Flannigan, our podcast is a unique platform where we explore the profound connection between individuals and the game of golf. From sportspeople to business leaders and content creators, we delve into their personal journeys and uncover how golf has become an integral part of their lives.

Listen here: [Spotify](https://open.spotify.com/episode/7bpgmKz0NOkQyzvBg2vLIm)


Exploring Golf, Business, and Passion: A Conversation with Daniel Bateup on My Love For Golf Podcast

Exploring Golf, Business, and Passion: A Conversation with Daniel Bateup on My Love Of Golf Podcast

#### Customer In Focus *[brought to you by Bushnell Golf](https://bushnellgolf.com.au/)*

In the year 2000, nestled amidst the picturesque landscape of Sydney, a unique golfing oasis called "Terrey Hills Par 3" emerged, thanks to the vision of Paul Watts. Two and a half decades later, the facility stands transformed into a thriving business and Paul, now the Head Superintendent, remains an integral part of its success story.

## The Visionary

As a golf enthusiast, Paul Watts always dreamt of creating a golf course that would cater to players of all ages and skill levels. When the opportunity arose to develop a golf facility on the site of an old industrial waste tip, Paul seized it with unwavering determination.

The challenging terrain of the site only fuelled his passion, and he worked tirelessly to bring his dream to life. In the year 2000, Terrey Hills Par 3 opened its greens to the world, providing golfers with an exceptional 18-hole day/night golfing experience - a first of its kind in Sydney.

"Back in those days, our player numbers were very low, and I was never sure about the nights. However, for the first 10 years, if it wasn't for the night golf, I'm not sure we would be here now," recalls Paul.

"Most golfers back then were novice golfers, but over the years as the course got in better and better condition, more experienced and serious golfers came along,"

## The Evolution: Becoming Shortees Golf

In March 2023, a new chapter was added to the history of this golfing oasis as Terrey Hills Par 3 transformed into [Shortees Golf](https://shorteesgolf.com/) under new management. Through thick and thin, Paul Watts remained committed to his creation and embraced the transition with open arms.

Today, Shortees Golf – an iconic relaxed 18 hole Par 3 track regarded as one of Australia's premiere short game facilities - stands as a testament to his unwavering dedication and the enduring legacy of his vision.

“Nowadays around 15-20 per cent of our golfers are members of another golf club but they come here to hone their short game. It's a favourite spot for improving essential golf skills.”

## A Golfer's Playground

The Sydney golf community reserves a special place for Shortees Golf for several reasons. Its enchanting couch greens and fairways create an unrivalled playing experience, attracting players from all walks of life. From seasoned professionals to newcomers to the sport, Shortees caters to the widest demographic of golfers, fostering a sense of inclusivity and camaraderie.

The facility has also witnessed the journey of some of Australia's best golfers, who used it as a training ground to perfect their craft. The presence of such talent has further elevated Shortees reputation and contributed to its popularity among golfing enthusiasts.

"I've always said that we get all types of players here; the richest, the poorest, the best and the worst in Sydney," Paul reflects.

“It’s golf done differently and there’s nowhere like it in my opinion.”

![paul 2](//images.ctfassets.net/55n47dyoik3o/6ZlgjvZn8NqmHLvrMg2Nxn/2e27c45b4104b8c6ecece5261eb1b567/230905_Shortees_Paul_Watts_0321_websize.jpg)

## Paul's Journey: The Key to Success

Paul Watts' unyielding passion and commitment have been the platform for the growth and success of Shortees Golf. From the days when the course saw only a few golfers to its current bustling state, Paul's experience and innovation have been instrumental in shaping the facility into what it is today.

Notably, the recent takeover under new management saw an influx of improvements and enhancements under Paul's watchful eye. From the meticulous restoration of bunkers to an extensive drainage campaign, every step was taken to ensure the course's excellence.

Additionally, new and improved facilities, including a state-of-the-art clubhouse with retail, bar, and restaurant amenities, are planned to elevate the Shortees Golf experience.

## The Future

As Shortees thrives under new management, Paul remains deeply involved, nurturing the legacy he created 25 years ago. With record numbers of rounds being played and a golfing community that continues to grow, Shortees Golf stands as a testament to Paul's dedication and the collective efforts of all those who believed in his vision.

"It's not just one type of golfer that comes here; it's all types of golfers. Golf is about having fun, and we embrace the whole spectrum of golfers here at Shortees. Everyone is welcome here." Paul emphasises.

With Paul's continued involvement, Shortees is poised to remain as Sydney's destination for an 18-hole day/night golf course, and it will continue to bring joy and excitement to golfers of all skill levels, perpetuating the dream of its founder for generations to come.


Shortees Golf: The Journey of Paul Watts and Sydney's Thriving Day/Night Golf Course

Shortees Golf: The Journey of Paul Watts and Sydney’s thriving day/night golf course

__A Paradigm Shift in Golf Course Management__

EGS is not just another player in the golf industry; it's a game-changer. With a mission to revolutionise the way golf courses are maintained, EGS offers a comprehensive range of sustainable solutions designed to enhance the health and vitality of the land while preserving the integrity of the game.

![EGS Golf Course](//images.ctfassets.net/55n47dyoik3o/5TPWtVE17EjAhSKBibohcg/8c11f49dee5fe10e77056804e6f60e9c/EGS_Golf_Course.jpg)

__Water Management: Smart Solutions for Conservation__

Water is a precious resource, particularly in regions prone to drought and water scarcity. EGS understands the importance of water conservation and offers innovative solutions to help golf courses minimise their water usage without compromising turf quality. By embracing smart water management practices, EGS is helping golf courses become more resilient and sustainable in the face of climate change.

__Greener Greens: Habitat Restoration on Golf Courses__

Historically criticised for their environmental impact, golf courses are increasingly embracing restoration initiatives to mitigate their footprint and enhance biodiversity. Through strategic planning and innovative practices, EGS is assisting these courses transform from mere manicured landscapes into vibrant havens for native flora and fauna. From reintroducing native plant species to creating wildlife corridors, golf courses are redefining their role in conservation. Moreover, these restoration efforts extend beyond the course boundaries, influencing surrounding ecosystems and communities positively. By championing habitat restoration, EGS beleives golf courses exemplify the potential for human recreation to coexist synergistically with nature, fostering a greener and more sustainable future.

![EGS People](//images.ctfassets.net/55n47dyoik3o/5o7mBoIfbH5o2hjYHVuhiV/4dc1b32d60101d7b41bd1faade29d86b/EGS_People.jpg)

__Community Engagement: Growing a Culture of Sustainability__

EGS believes that sustainability is not just about products and practices; it's also about people. Through education, outreach, and community engagement, EGS empowers golf clubs and their members to embrace a culture of sustainability and environmental stewardship. From workshops and training programs to hands-on demonstrations and field days, EGS provides the knowledge and resources needed to foster a deeper connection to the land and inspire positive change. By working together, golf clubs can become leaders in environmental conservation and leave a lasting legacy for future generations.

__Teeing Up a Sustainable Future__

As golf courses face increasing pressure to adapt to a changing climate and evolving environmental regulations, EGS offers a beacon of hope and inspiration. By providing sustainable solutions that prioritise the health of the land and the well-being of future generations, EGS is paving the way for a greener, more sustainable future for golf. With EGS leading the charge, the fairways are greener, the water is clearer, and the game of golf is better than ever before.


ENVIRONMENTAL GOLF SOLUTIONS: PIONEERING NATURAL BIODIVERSITY ON AU GOLF COURSES...

As the local arm of TRUE’s global business, TRUE Australia is redefining the golfing experience in the Oceania region with mould-breaking footwear and apparel, created by PGA Tour Professional Ryan Moore and his brother Jason.

__#EnjoyTheWalk__

TRUE has been revolutionising the golf footwear industry since its inception. Drawing on Ryan's extensive experience on the Tour and Jason's expertise in design and engineering, the brothers have garnered acclaim for their vision to change the game.

With a focus on minimalist design and innovative technology, TRUE shoes are engineered to provide golfers with the ultimate blend of natural comfort, functionality and performance. 

From the iconic zero drop, wide and flexible TRUE Original collection, to the versatile TRUE All Day models, and right through to the latest TRUE Tour models each pair of TRUE shoes is meticulously crafted to enhance performance and confidence on & off the course.

![Ryan Moore](//images.ctfassets.net/55n47dyoik3o/52KdvXZM643ORew7g51mxa/0c7183a7413d3ff4462f51e12a75b1e2/JMARTIN_CREATIVE_6160.jpg)

__Bringing TRUE to the Land Down Under…__

At the helm of TRUE Australia are two passionate individuals who share a vision for redefining golf fashion in Australia – Sam Boden and Mark Millerd.

Sam Boden, Managing Director for TRUE Australia and New Zealand, is driven by a passion for golf and a commitment to delivering exceptional products and experiences to customers. With a background in business development and marketing, Sam plays a crucial role in expanding TRUE’s presence in the local market and building strong relationships with retailers and golfing communities.

Mark Millerd, TRUE’s Director of International Sales, is a qualified podiatrist with a deep understanding of foot mechanics, bringing a unique perspective to the world of golf footwear. Recognising the importance of comfort through natural foot movement and posture, Mark is dedicated to ensuring that each pair of TRUE’s finds their way onto the right feet.

![Mark & Sam](//images.ctfassets.net/55n47dyoik3o/z2nbF2voe8ogTXvQaBT0y/f8a73ba3a546ab9efba6ddc244a660fd/DSCF2005.jpg)

__TRUE AU & NZ: Elevating the Experience__

TRUE is more than just a golf footwear and apparel brand – it's a destination for golfers seeking the perfect combination of comfort, style, and performance. With an extensive range of premium apparel and accessories to complement the footwear, TRUE Australia caters to the diverse needs and preferences of golfers & active non-golfers across Australia and New Zealand.

Whether you're teeing off on the course or heading out in a casual setting, TRUE offers versatile gear to keep you looking and feeling your best. From performance-driven polos and shorts to stylish outerwear and accessories, TRUE has got it covered.

__Experience TRUE today.__

If you're ready to take your golf game to the next level, look no further than TRUE. With its commitment to comfort, style, and performance, TRUE products are the ultimate choice for golfers who demand the best. Visit TRUE online or at select retailers across Australia and discover the difference that TRUE will make to your game. #enjoythewalk


TRUE linkswear: A story of Golf Style, Comfort and Performance Converged…

__Important changes to the Player’s Personal Liability Insurance Policy__

Issued by Golf Australia Friday 20th of January 2025;

We are writing to inform you of important changes to your Player’s Personal Liability Insurance Policy offered by Golf Australia, which is a key benefit as part of your membership of an affiliated golf club.  

Golf Australia has maintained this policy on behalf of club members since 2009 and in the past 5 years alone, has paid out $3.4 million in claims to protect our members. The original purpose of the policy was to protect members from liability if they caused personal injury to another golfer/person.  The policy was established following the legal action taken by an injured golfer because of an incident at the Magnetic Island Golf Club in 1994 and subsequent court ruling in 2003.   

Golf Australia’s Player Personal Liability Policy offers up to $20 million personal liability cover for protection against litigation from a third party for damage to property or personal injury that occurs while an eligible member is playing or practicing golf. 

In recent years, it has become increasingly difficult and expensive to source this insurance on your behalf.  As the popularity of golf has grown, we have seen an increase in the number of reported incidents. Golf Australia remains committed to finding solutions that will provide Players Personal Liability Policy to Australian affiliated golfers.   

In recent months, Golf Australia has reviewed several options in respect of this policy.  In doing so Golf Australia’s primary objective has been to maintain protection for members in the event of serious personal injury, with changes to take effect from March 1, 2025, to ensure the policy remains affordable and sustainable   

__What is changing?__

Exclusions: Specific exclusions have been added for any claim, loss, damage, liability or costs and expenses incurred directly or indirectly in connection with third party property damage to:   

•	golf carts; and
•	personal electronic devices include phone, iPad, watch, rangefinder or anything similar.

Excess: There are now three categories of insurance claim:

•	Personal injury claims – NO excess will be payable
•	Property damage where a golfer is found to have followed all expected duty of care, local rules and the Rules of Golf – NO excess payable
•	Property damage where golfer is found to have acted in a negligent manner and caused damage to a third-party property - $1,000 excess is payable  

__What does the policy cover?__

The policy covers the legal liability that an eligible member of an affiliated club may incur while playing or practicing golf. It provides coverage for up to $20 million of liability for any one incident.  This includes accidental injury or damage you may cause to someone else or their property for which you were found to have caused, subject to the Exclusions of the Policy, some of which are outlined below.   

This coverage is provided automatically to individual club members although members are under no obligation to engage this insurance policy in the event of an incident.   

__What is not covered by this policy?__ 

While this is not exhaustive, this policy does not cover:   

•	Any third-party damage or personal injury caused by non-member (ie. green fee player);
•	A member's own equipment for damage or loss;
•	A member's own personal injuries sustained on a golf course;
•	Any damage that you cause to a cart that you own, hire or borrow; and 
•	Actions that deliberately cause damage or injury and are determined to be wilful conduct.

If you have any questions about this policy, I encourage you to reach out to Golf Australlia via help@golf.com.au  


Important changes to GA Player’s Personal Liability Insurance Policy

Important changes to Player’s Personal Liability Insurance Policy

__A Perfect Match__

Golf Business Australia has long been committed to supporting the growth and sustainability of golf clubs and facilities across the country. With a comprehensive suite of products and services, GBA helps clubs streamline operations, improve member engagement, and enhance the overall golfing experience. Their dedication to excellence in golf management has made them a trusted partner for many clubs.

On the other hand, eGolf Waiver provides cutting-edge technology to simplify and automate the waiver process for golf facilities. Their digital waiver solutions not only protect businesses from liability but also enhance the customer experience by making it easier for players to sign waivers before hitting the course. This innovation ensures that golf clubs can focus on what they do best: providing exceptional golfing experiences.

__Enhancing Risk Management__

The partnership between GBA and eGolf Waiver is a natural progression toward creating a robust risk management framework for golf facilities. By integrating eGolf Waiver’s digital solutions with GBA’s operational expertise, we’re enabling clubs to streamline their risk management processes, making it easier to navigate the complexities of liability while providing a seamless experience for their members and guests.

1. Simplified Waiver Process: With eGolf Waiver’s technology, clubs can automate the collection of waivers, ensuring that all players have completed necessary forms before participating in activities. This not only reduces administrative burdens but also minimizes potential legal issues, allowing golf facilities to focus on enhancing the player experience.

2. Comprehensive Risk Management Solutions: Golf Business Australia’s experience in club operations means that they can provide tailored risk management strategies that align with the specific needs of each facility. By collaborating with eGolf Waiver, GBA can offer clubs a holistic approach that covers all aspects of risk, from waivers to operational safety protocols.

3. Enhanced Customer Experience: By streamlining the waiver process, clubs can provide a more welcoming environment for new players. The quick and easy digital signing means less time spent on paperwork and more time enjoying the game, which is beneficial for both clubs and their patrons.

__Looking Ahead__

As we embark on this partnership, we are excited about the possibilities it brings for the future of golf in Australia. Together, Golf Business Australia and eGolf Waiver are committed to fostering a safer and more enjoyable golfing experience for all. This collaboration not only enhances operational efficiency but also reinforces our shared mission to promote risk management best practices within the industry.

Stay tuned for more updates as we roll out initiatives and resources aimed at supporting golf clubs in their risk management efforts. We believe that together, we can make a significant impact on the safety and success of the golfing community.

For more information about this partnership and how it can benefit your golf facility, please reach out to us at Golf Business Australia or eGolf Waiver. 

Here’s to a safer, more enjoyable future on the greens!


Golf Business Australia & eGolf Waiver Unite for Enhanced Risk Management

Customer In Focus brought to you by [Bushnell Golf](https://bushnellgolf.com.au/ "Bushnell Golf")

__A Nutritious Blend for Golf Enthusiasts:__
Caddie Snacks takes pride in offering a range of all-natural energy bars crafted to perfection. These bars are more than just snacks; they are a fusion of flavours that not only delight the taste buds but also provide sustained energy. The emphasis on natural ingredients ensures that golfers get the nutrition they need without compromising on taste.

![Caddie Snacks Bars](//images.ctfassets.net/55n47dyoik3o/qTc7JAav52OhmiO2MC5kG/43914c8cbfd8b30a02da2584c24ae024/Untitleddesign-17_large.webp)

__Playing and Feeling at Your Best:__
The mission of Caddie Snacks is clear – to help individuals play and feel at their best. Whether you're tackling a challenging round or gearing up for an intense practice session, Caddie Snacks promises to be the fuel that keeps you going. The bars are designed to satisfy hunger, enhance focus, and provide the mental clarity necessary to perform at peak levels on the golf course.

__A Proud Supporter of Australian Golf:__
Caddie Snacks goes beyond simply providing energy bars; it actively supports the Australian golf community. The company is a strong advocate for the sport and proudly collaborates with the Geoff Ogilvy Foundation. This partnership has culminated in the exciting Sandbelt Invitational – a tournament that promises to be a highlight on the golfing calendar and aligns perfectly with Caddie Snacks' commitment to promoting excellence in golf. The brand looks forward to a long and fruitful association with the Sandbelt Invitational, contributing to the success of this remarkable event.

![Geoff Ogilvy](//images.ctfassets.net/55n47dyoik3o/Lcf0wM8ZVZ9YnruaSDf71/19ec0d13c5404cbef147b6eb61ef8d83/Geoff_Ogilvy.jpg)

[Geoff Ogilvy on Caddie Snacks](https://youtu.be/7a0mfOwnrk0?si=2y8UlWX0iL8c5PGP) 

__Leaving a great taste:__

Caddie Snacks is not just a brand; it's a commitment to elevating the golfing experience. Founded with a vision to assist players in reaching their peak performance, Caddie Snacks has swiftly become a trusted companion for golf enthusiasts. A proud supporter of Australian golf, Caddie Snacks is poised to leave an indelible mark on the sport, one delicious energy bar at a time.

Ask for Caddie Snacks at your local Pro Shop or order online today at [https://caddiesnacks.com.au/](https://caddiesnacks.com.au/) 


AUSSIE GOLF'S FAVOURITE SNACK: CADDIE SNACKS!

Preventing lithium-ion battery fires at golf clubs is crucial for the safety of staff, members, and guests. Here are some measures you can take to minimise the risk:

__Storage and Charging:__ Establish a designated area for storing and charging lithium-ion batteries. Ensure the area is well-ventilated, away from flammable materials, and equipped with fire extinguishers. Follow the manufacturer's guidelines for charging and storage, including temperature and voltage limits.

__Proper Handling and Maintenance:__ Train staff on the safe handling and maintenance of lithium-ion batteries. Emphasize the importance of not damaging the battery, avoiding exposure to extreme temperatures, and using compatible chargers. Regularly inspect batteries for signs of damage, swelling, or overheating.

![Oakland Hills GC fire.](//images.ctfassets.net/55n47dyoik3o/cqCwzpKoQMiqYrVaXaoDJ/c51027b494f13d77662d64ca04e0428c/Oakland_Hills_GC_fire..jfif)

__Fire Safety Equipment:__ Install fire safety equipment, such as smoke detectors, fire alarms, and fire suppression systems, in areas where lithium-ion batteries are stored or charged. Ensure that staff members are trained on how to respond to fire emergencies and use fire extinguishers effectively.

__Training and Awareness:__ Conduct regular training sessions to educate staff about the potential hazards associated with lithium-ion batteries and how to prevent fires. Train employees on how to identify warning signs of battery issues, such as overheating or abnormal smells, and the appropriate actions to take.

![Safety Training](//images.ctfassets.net/55n47dyoik3o/3Jb3xLJZfHhdYMQcLT96uo/18863f6f6a01c2db5a52561ecdeab124/Safety_Training.jpg)

__Battery Quality and Standards:__ Purchase lithium-ion batteries from reputable manufacturers that meet industry safety standards. Avoid using counterfeit or low-quality batteries, as they may pose a higher risk of fire.

__Implement Battery Management Systems (BMS):__ BMS can help monitor and manage the charging process of lithium-ion batteries. These systems can detect abnormalities in voltage, temperature, and current, providing early warnings of potential issues.

__Emergency Response Plan:__ Develop and communicate an emergency response plan that includes procedures for handling battery fires. This plan should outline evacuation routes, assembly points, and communication protocols to ensure a swift and organized response in case of an incident.

Remember, regular inspections, maintenance, and adherence to safety protocols are essential in preventing lithium-ion battery fires. By implementing these measures, you can help minimize the risk and ensure the safety of everyone at the golf club.


Preventing Golf Club Lithium-Ion Battery Fires

Customer In Focus brought to you by [Bushnell Golf](https://www.bushnellgolf.com/)

If you're a golfer who appreciates quality and craftsmanship, you'll want to know about [Big Dog Golf Co.](https://bigdoggolfco.com/) This Australian-based company is making waves in the world of golf with its genuine leather, handcrafted head covers and accessories. 

This innovative brand has earned the trust of some of the most prestigious golf clubs and brands in Australia and worldwide. Their clientele includes renowned clubs such as Royal Melbourne, Cathedral Lodge, Barnbougle, Tara Iti, Bushnell, AMEX, Lexus, and many others. This is a testament to their head covers' exceptional quality and style.

Let's dive into what sets Big Dog Golf Co. apart and why they should be on every golfer's radar.

## Meet the Founder

Mark Calder, the visionary behind the company, conceived the idea in 2015. He's a dedicated golf enthusiast who enjoys quality courses without “being a golf tragic”, in his own words. 

The company's name, "Big Dog Golf Co.," draws inspiration from the golf club driver known as "the Big Dog." Mark initially attempted a unique, non-plush novelty head cover resembling a big dog, but the challenge proved insurmountable.

Developing the perfect prototype for his golf head covers took time, but Mark eventually recognised a market gap in Australia. This led him to focus on delivering high-quality products, driven by his perfectionist tendencies. The company now supplies head covers to 40 plus golf courses, with most among the top 50 in Australia or New Zealand. They're also making inroads into mid-tier courses and further abroad.

![gold accessories](//images.ctfassets.net/55n47dyoik3o/2f2FxItBqjun95TKvI0PlA/368a84f0fbbff7cfb6818f31d752e028/367480908_786927356774246_6494776277824074465_n.jpg)

## Craftsmanship and Quality

At Big Dog Golf Co., their focus is crystal clear – to provide golfers with premium head covers that are meticulously handcrafted right here in Australia. When it comes to protecting your golf clubs and making a statement on the course, their range of head covers is second to none.

The team at Big Dog Golf Co. takes pride in their work. Each of their head covers and accessories is painstakingly constructed in-house by a dedicated team of machinists. Their attention to detail ensures that every product they create is of the highest quality.

One of the standout features of their products is the use of genuine leather. Big Dog Golf Co. sources only the best quality leather and lining material to guarantee a truly premium product. When you own a Big Dog Golf Co. head cover, you're holding a piece of craftsmanship in your hands.

In addition to their commitment to quality, Big Dog Golf Co. also demonstrates a dedication to sustainability. 

All orders are packaged using compostable zero-waste bags, bio-degradable packing tape, and recycled cardboard packaging. Furthermore, their shipping is 100% carbon neutral, ensuring that your passion for golf doesn't harm the environment.
Custom Creations

While Big Dog Golf Co. specialises in leather head covers, they're not limited to conventional materials. If you have a unique idea or fabric in mind, they'll work with you to bring your vision to life. They have even upcycled materials like NBA singlets, AFL jerseys, old golf bags and more to create custom head covers that are truly one-of-a-kind.

But their customisation doesn't stop at head covers. They also offer custom putter covers, alignment stick covers, valuables pouches, ball pouches, and yardage book covers. If you want to add a personal touch to your golf gear, Big Dog Golf Co. has you covered.

## Explore Big Dog Today!

Big Dog Golf Co. is not just a company but a passion-driven enterprise that caters to golfers who demand the very best for their clubs. For more insights, and updates, and to explore their offerings, connect with Big Dog Golf Co. on Instagram and Facebook. 

As a golf business owner, staying ahead of the game and offering the latest in golf equipment to your clients is crucial. Partnering with Golf Business Australia, the fastest-growing golf industry-specific insurance and finance provider in the country, can help you tap into new ways of expanding your golf business and ensuring its success.

Contact GBA on [1300 852 025](https://www.bushnellgolf.com/) or click & complete the contact form on our website to find out more about GBA's specialised insurance and finance solutions.


Discover the premium craftsmanship of Big Dog Golf Co., Australia's leading handcrafted golf head covers. Unveil the story behind the brand's commitment to quality, sustainability, and custom creations

Big Dog Golf Co: Australia’s premium handcrafted golf head covers

Swing with Style! The story of Big Dog Golf Co. Australia’s premium handcrafted golf head covers & more…

Customer In Focus brought to you by [Bushnell Golf](https://bushnellgolf.com.au/)

## Teeing Off for Success

In the game of golf, every detail matters, and it's the little things that can make a big difference. Whether you're a seasoned professional or an enthusiastic amateur, the golf tee is one such detail that often goes overlooked. 

However, there's one Australian-owned and designed company that knows that the devil is in the details and is now changing the game “one tee at a time” - [Tour Tee.](https://www.tourtee.com/)

![Tour Tee](//images.ctfassets.net/55n47dyoik3o/4sYc9VedqWckARiXGkgX2U/5e0768602a39dd7734318bc2effc9c12/TT_Fingers_.jpg)

## The Birth of Tour Tee

Tour Tee isn't just another golf tee; it's a game-changer. 

This high-quality tee is designed to cater to golfers of all skill levels. Crafted from recycled plastics, it's carefully constructed to reduce friction and increase distance on the course.

“Tour Tee was born out of the passion of golfers who understood the importance of a good tee in the game”, explains Adam Topham, the Managing Director at Custom Golf International who owns and operates Tour Tee.

“Tour Tee is not your average tee. It's virtually unbreakable, easy to use, and environmentally friendly, reducing spin and friction to enhance your golfing experience,”

“It’s invented by golfers, for golfers.”

But Tour Tee hasn’t stopped at just creating a superior tee; they wanted to share this innovation with the world. 

“I am incredibly excited to witness the positive impact our brand is making on the golfing community. The journey we've embarked on, focusing on the evolution and cultural significance of the golf tee, has been met with enthusiasm and support by golfers from all walks of life,” says Adam.

“2023 has been an unreal start to the year and we look to keep the momentum coming with some exciting collaborations and partnerships.”

## The Impact of Tour Tee

What sets Tour Tee apart in a saturated golf tee market? 

Their distinctive focus is on sustainability, innovation, and performance. 

While traditional wooden tees have long been a golf mainstay, Tour Tee saw the opportunity for enhancement. Wooden tees, though cost-effective, are prone to breakage and club scuffing, impacting your game. 

Modern technology has ushered in plastic tees, celebrated for their enhanced durability and reduced ball friction. Nonetheless, some plastic tees suffer from issues like bending and weakening over time. 

Tour Tees also cherishes the golfing community spirit, extending their passion for the sport beyond business. They actively support golf-related charities and initiatives, promoting inclusivity and giving back to the community that embraced their ground-breaking tees.

![314365444 182682977614944 6887920235919222833 n](//images.ctfassets.net/55n47dyoik3o/1TJUNWdJ1sJqhNUhnkahnx/b5265933aabf09075b3c9f3fc1f5e3e0/314365444_182682977614944_6887920235919222833_n.jpg)

## Customisable For Golfer’s Unique Needs

At Tour Tee, Adam and the team understand that every golfer has unique needs and preferences. That's why they offer a wide range of golf tees, including traditional wooden tees, performance tees, and specialty tees. 

Their experienced team of golfers and product designers work closely with clients to create customised tees that meet specific requirements.

“At Tour Tee, we're not only striving to improve the quality and design of golf tees but also to create a cultural symbol that resonates with the golfing community,” says Adam.

“Our mission is to inspire golfers of all levels to connect over their shared love for the game and embrace the camaraderie that makes this sport truly special.”

The Tee range can be customised with your logo, making it a preferred choice for thousands of golf courses and companies worldwide.

## Tee Up with Tour Tee

Tour Tee isn't just limited to a specific region; it's a brand that's earned recognition and support from leading organisations worldwide. From major golf courses to renowned brands and personalities, Tour Tee has become the go-to-choice for golfers who want the best.

As a golf business owner, staying ahead of the game and offering the latest in golf equipment to your clients is crucial. Partnering with Golf Business Australia, the fastest-growing golf industry-specific insurance and finance provider in the country, can help you tap into new ways of expanding your golf business and ensuring its success.

Contact GBA on 1300 852 025 or click & complete the contact form on our [website](https://www.golfbusinessaustralia.com.au/#contact-section) to find out more about GBA's specialised insurance and finance solutions.


Your game starts here - The story of Tour Tee

Your game starts here: The story of Tour Tee

Golf Business Australia (GBA), the nation's leading golf-specific insurance provider has joined forces with [Empower Golf Australia](https://empowergolf.com.au/), a pioneering non-profit organisation dedicated to making golf inclusive and accessible for individuals living with disabilities. 

This partnership aims to reform the current golfing landscape and create a more inclusive environment for all golf enthusiasts.

"We are thrilled to unveil this collaboration between Golf Business Australia and Empower Golf Australia," said Daniel Bateup, Managing Director of GBA. 

"By uniting our expertise and passion for the sport, we are confident in our ability to drive positive change within the industry, fostering a more secure and welcoming environment for golfers of all abilities."

Empower Golf Australia, established in 2014 by James Gribble, has been instrumental in breaking down barriers for Australians with disabilities in the golfing community. Through their inclusive coaching, adaptive equipment provisions, and accessible facilities, Empower Golf has empowered over 15,000 individuals to discover the joys of golf and participate in the sport they love.

James Gribble shared his excitement about the partnership: "We believe that golf should be enjoyed by everyone, regardless of ability. Our collaboration with Golf Business Australia is a significant step towards creating a more inclusive and diverse golfing community. 

"Together, we can transform lives through the power of golf."

The synergy marks a new era in the golfing industry where inclusive practices and support for individuals with disabilities take centre stage. As part of their joint mission, GBA and Empower Golf Australia are committed to delivering specialised coaching, hosting inclusive clinics and events, procuring adaptive equipment, and establishing accessible golf facilities across the country.

In addition to fostering inclusivity, the partnership will continue GBA's legacy of providing tailored insurance solutions to over 100 golf clubs and facilities across Australia since its inception in 2016. By leveraging partnerships with golf industry experts, government bodies, and like-minded peers, GBA remains at the forefront of the insurance market, ensuring that all clients receive comprehensive and cost-effective coverage.

"We are not just an insurance provider; we are a partner in your success," affirmed Daniel Bateup. "Our value proposition extends beyond insurance expertise to support the overall risk management and success of our clients. Together with Empower Golf Australia, we envision a safer and more vibrant golf industry."

Both organisations share a common goal of promoting golf as an inclusive sport and are confident that this partnership will serve as a catalyst for change. 

Golf Business Australia and Empower Golf Australia invite golf clubs, professionals, and enthusiasts alike to join their mission of embracing diversity and empowering all individuals to experience the joy of golf.

For more information about Golf Business Australia's tailored insurance solutions, please visit www.golfbusinessaustralia.com.au 

To learn more about Empower Golf Australia's efforts to make golf accessible for all, visit www.empowergolf.com.au.


Golf Business Australia and Empower Golf Announce New Partnership to Help Boost Inclusivity Down Under

By [Daniel Bateup](https://www.linkedin.com/in/daniel-bateup-5869b932/) – Golf Business Australia

I had the pleasure of recently attending the LIV Golf League event at the [Grange Golf Club](https://www.grangegolf.com.au/cms/) in South Australia. While the star-studded event generated interest from 37 countries and all walks of the industry, it was the unique apparel worn by both players and spectators that caught my eye.

The golfing scene and its fashion have truly transformed. "Alternative" boutique brands such as [Birds of Condor](https://www.instagram.com/birdsofcondor/), [Golf Gods](https://www.instagram.com/golf_gods/), and [Hickory Apparel](https://www.instagram.com/hickory.apparel/) are now sharing the spotlight with traditional sportswear giants and conservative pro-shop brands, offering streetwear, individuality, and humour in their designs.

<p><a href="https://www.youtube.com/watch?v=rMe0YTcnPMc" class="embedly-card" data-card-width="100%" data-card-controls="0">Embedded content: https://www.youtube.com/watch?v=rMe0YTcnPMc</a></p>

## Brighter, Louder, Untucked! What’s next for golf fashion?

This rise of boutique golf apparel brands indicates a broader shift towards inclusivity and diversity within the sport. Golf is no longer just for stuffy and conservative elite but appeals to a diverse and stylish new audience.

Personality has become the most critical factor in golf apparel, with younger generations adding colour and pattern to the once buttoned-up clothing stereotype while maintaining the tradition's integrity. Innovative brands are now targeting specific demographics, and Instagram has had a massive impact on what people wear.

Alternative brands like these are not just about golf; they are about building a brand, disrupting the status quo, and promoting social change. They are catering to the non-traditional market of players that the industry has struggled to reach, and they are doing so with an ethos of inclusivity, diversity, and sustainability.

And they are a growing market, particularly Down Under, with names like Play Fair Golf, Breaking The Yips, Shortees Golf, AussieBeefGolf, More Greens Golf, Mounttee Golf, Big Dog Golf Co., The Fellas Golf, Average Golfer Club, Clutch & Co, Walker Golf and Envee Industries making a name for themselves in the industry.

## Australian trailblazer leading the way...

A great example of brands embracing this trend is the [recent collaboration](https://www.golfindustrycentral.com.au/golf-industry-news/golf-lifestyle-label-partners-with-iconic-australian-fashion-house-to-release-limited-edition-golf-apparel/) between Birds of Condor and iconic Australian fashion brand [COOGI](https://www.instagram.com/coogibrand/). Together they created a limited-edition release for fashion-conscious golfers worldwide. These Australian-born brands are leading the way in this new wave, creating edgy and distinctive apparel that appeals to golfers who want to stand out from the crowd & be a part of a lifestyle.

The emergence of streetwear in the broader fashion landscape has infiltrated the golf world, bringing with it a sense of individuality and irreverence that was once lacking.

Byron Bay founded Birds of Condor is globally recognised and offers a fresh alternative to the mainstream. The brand is bringing fresh trends to golf and is inspired by dreamy days and takes inspiration from beach and street culture. COOGI, on the other hand, is known for its vibrant colour palette, luxury knits, and ties to vintage hip-hop and streetwear.

*“Art, music, and good times are the core ingredients of everything we do here at “Birds”. Pulling inspo from life outside of the golfing world, staying true to what inspires us as the individuals that make up the brand, and finding opportunities to join forces with other epic brands are helping us bring the fun and max vibes. Coogi was one of those collaborations that hit every mark for us in that regard*, said Frankie Kimpton, Birds of Condor Founder & Creative Director.

The collaboration between these two brands speaks volumes about the resurgence of golf and the aspirational nature of the sport to an increasingly diverse and stylish new audience. Apparel prices may raise eyebrows, but in my eyes, the unique designs, quality, and performance are well worth the investment if they will make people more inclined to pick up a club.

![birs](//images.ctfassets.net/55n47dyoik3o/7vXR3WpUNhePd3lMai1xjV/936c4d38d7c0cf898ff35697c26f1dfa/unnamed2.jpg)

## Is it a golf fashion revolution of just a fad?

I think this trend towards a more diverse and inclusive golfing culture is an exciting development for the sport. Golf participation rates are on the rise, with more and more young people and women taking up the sport.

As the industry continues to evolve, there is a new generation of golfers who value style, individuality, and inclusivity. Brands like Birds of Condor are leading the charge, creating apparel that is as functional as it is fashionable, and appealing to golfers who want to stand out from the crowd. The golf market is changing, and I am excited to see what fashion can do to entice a new generation of golfers.

What are YOUR thoughts? Will the alternative golf apparel revolution see a rise in golf's popularity with future generations? I would love to receive your thoughts.

Leave your thoughts on our [Facebook](https://www.facebook.com/Golfbusinessaustralia/) page.

I had the pleasure of recently attending the LIV Golf League event at the Grange Golf Club in South Australia. 

From Polos to Prints: The Aussie Transformation of Golf Fashion & Culture

Grip pressure is a critical yet often overlooked factor in the golf swing. Many golfers underestimate its significance and end up gripping their club too tightly, resulting in tension in the shoulders and arms, and a stiff and uncontrolled swing.

Excessive grip pressure can also lead to swinging too fast and too hard, resulting in loss of control, accuracy, and an erratic flight path.

Enter Smart Swing, a dynamic start-up company that is set to revolutionise the golf industry with its ground-breaking grip pressure measurement tool.

## What is Smart Swing?

Designed for playing professionals, world-class instructors, and golfers of all skill levels, Smart Swing's state-of-the-art tool provides precise data on multiple aspects of the swing for unprecedented game improvement.

But that's not all. In addition to grip pressure, Smart Swing's tool also measures other essential swing metrics, including hand speed, whip speed, swing path, swing plane, tempo, shaft lean, angle of attack, and backswing angle.

By accurately measuring grip pressure, golfers can identify and adjust their grip to optimise their swing, resulting in improved performance and better results on the golf course. The audio/visual feedback empowers golfers to make adjustments for optimal performance, giving them actionable feedback to fine-tune their grip before swinging the club.

## So how does Smart Swing work?

At the heart of its tool is its innovative grip pressure measurement, capturing data for both the right and left hand throughout the entire swing at an impressive rate of over 1,000 frames per second. Using a unique metric called "Grip Pressure Indicators" (gpi), ranging from 1gpi to 30gpi, golfers can accurately assess their grip pressure and adjust for optimal performance.

All these measurements are captured through their mobile app, allowing golfers to instantly view the data on the range, in the bunker, on the green, and even on the course. The swing data is automatically synced to the desktop software, enabling golfers and coaches to thoroughly analyse their current and past swing data for further improvement.

Smart Swing is set to launch its product on May 15th, 2023, and is currently accepting pre-orders at www.smartswing.golf. Stay ahead of the game and take advantage of this innovative technology by partnering with Smart Swing and tapping into new ways of expanding your golf business.

## Get a grip on your golf business with Golf Business Australia (GBA)

As a golf business owner, staying ahead of the game and offering the latest in golf equipment to your clients is crucial. Partnering with Golf Business Australia, the fastest-growing golf industry-specific insurance and finance provider in the country, can help you tap into new ways of expanding your golf business and ensuring its success.

GBA an Official Licensee of the Australian PGA, has a deep understanding of the unique insurance needs of clubs and golf businesses. They can customise a plan to protect your assets and revenue from the specific conditions and threats of your golf business.

Contact Daniel Bateup at 1300 852 025 or fill out the contact form on their website for a quote today and find out more about GBA's specialised insurance and finance solutions.


Grip pressure is a critical yet often overlooked factor in the golf swing. Many golfers underestimate its significance and end up gripping their club too tightly, resulting in tension in the shoulders and arms, and a stiff and uncontrolled swing.

Get a Grip: Smart Swing To Launch Revolutionary Grip Pressure Measurement Tool

*By Mathilda Andersson*

Golf has long been considered an exclusive sport, with high fees, strict dress codes, and the need for a high level of skill and experience. However, in recent years, the sport has been undergoing a transformation, with a new wave of golf entertainment venues popping up everywhere that are breaking down barriers to entry and welcoming new “golfers.”

Today’s golfers, particularly younger ones, are looking to enhance their game with the aid of mobile technology, social network integration, and different formats. This shift towards off-course play was further fuelled by the pandemic and its imposed restrictions. [The National Golf Foundation](https://www.ngf.org/) (NGF) reported that a staggering 12.1 million golfers chose to play indoors in the United States last year, nearly matching the number of traditional turf-goers. The NGF expects this trend to continue, with golf simulator technology being the driving force behind making it easier for new players to get started with the game.

Several of the largest golf management companies have also joined the bandwagon and have turned to providing offsite golf entertainment venues within their portfolios, reaping the rewards of renewed interest. Earlier this year, Troon® opened its first Golfzon Social at the Palisades Center in New York, which, while being centred on golf, caters to anyone seeking a fun and relaxing time, regardless of their ability on the course. American Golf Corporation had previously launched Drive Shack and Invited (formerly ClubCorp) launched Five Iron Golf.

In Australia, we are seeing a few of these venues pop up as well as the trend spreads internationally. One notable example is [Swing City’s golf venue in Sydney’s Norwest](https://www.golfindustrycentral.com.au/golf-industry-news/sydneys-12-million-swing-city-golf-venue-gets-development-approval/), which received building approval last year at a cost of $12 million. Additionally, Swing Factory, a golf entertainment company, acquired [Golf Paradise Terrey Hills](https://www.golfindustrycentral.com.au/golf-industry-news/swing-factory-acquires-golf-paradise-terrey-hills-to-transform-into-golf-entertainment-venue/), a renowned golfing destination in Sydney. These multi-million-dollar projects signify Australia’s growing inclination towards technology-enhanced social golf experiences.

## Australian Golf Strategy

In Australia, the recently launched [Inaugural Golf Strategy](https://www.golf.org.au/ausgolfstrategy/) aims to leverage off the new trend and promote golf as a sport for everyone, regardless of the format. The national strategy supported by all the National Golf Associations advocates for cooperation between clubs and venues to tell the story of golf better and attract new members and players. The goal is to challenge the perception of golf as an exclusive and costly sport and encourage more Australians to play golf in all its forms, from driving ranges and mini golf to golf simulators.

This article examines how these new golf entertainment venues are making the sport more accessible by providing a more social and gamified experience and emphasises how all formats are crucial in a consistent national pathway of growing the game of golf.

## Topgolf Takes the Lead

Topgolf has emerged as a leading force in growing the sport of golf, thanks to its innovative approach that has transformed the traditional image of golf. With a presence in more than 40 locations worldwide and generating over $1 billion in annual revenue, Topgolf has shattered the notion that golf is a slow, dull, and unapproachable sport. By adding a competitive element and creating a social atmosphere, Topgolf has made the game more engaging and enjoyable for players of all ages and skill levels. Notably, Topgolf has succeeded in attracting millennials and Gen Zers, with 54% of its guests falling between the ages of 18 and 34. The company’s success in marketing and drawing in younger audiences has played a significant role in expanding the reach and appeal of the sport.

## Swing Suites

Another example of a modern golf entertainment venue that caters to a diverse audience is [The Club at Parkwood Village’s Topgolf Swing Suite](https://www.theclubparkwood.com.au/swing-suites/) on the Gold Coast. The venue boasts six advanced golf simulators and a teaching facility, creating an immersive social experience where visitors can relax in a cozy lounge while enjoying delicious food and beverage service.

The indoor golf simulators have been instrumental in increasing membership at the club by providing a more accessible way to play the game, attracting a new generation of players. The simulators have also attracted younger players who may not have had the opportunity to experience golf previously and those with limited time, offering a shorter and more manageable game than a traditional 18-hole round.
Toptracer Range Technology

The introduction of advanced golf simulators and ball-tracking technology, such as Toptracer Range, has made golf more accessible and enjoyable for players of all ages and skill levels. Since its launch in Australia and New Zealand just over two years ago, driving ranges such as Golf Central in Brisbane and Remuera Golf Course in New Zealand have already adopted the Toptracer systems and seen remarkable results, with some ranges even doubling their business in the first month of operation. By adopting the technology, driving-range operators are experiencing an influx of new guests, retaining current members, and boosting revenue streams across their entire facility. With over 750 installations worldwide, is making golf more accessible and enjoyable for all, particularly in a time when the game is experiencing a participation boom.

## Mini Golf: A Pathway to the Sport

Mini Golf is another great option for introducing potential golf club members to the sport. With its relaxed and accessible environment, mini golf has become increasingly popular in Australia as a way for people to try their hand at the sport in a fun and relaxed manner. Over the years, mini golf courses have become more sophisticated, with intricate design and creative elements that appeal to both young and old. The involvement of experienced course architects in the design of mini golf holes has transformed the experience from a leisure activity to a more challenging game, akin to playing a real golf course.

In the U.S. PopStroke is a rapidly growing experiential mini-golf and casual dining franchise. This unique concept merges cutting-edge golf technology with food and beverage to create a dynamic and engaging experience for patrons. One of the hallmarks of PopStroke is the infusion of technology within the golf experience, which creates an interactive and competitive atmosphere for all participants. To enhance the experience further, PopStroke has partnered with TGR Design and Tiger Woods to design the putting courses at all future locations.

A unique player in the Australian market is [SHANX](https://shanxminigolf.com.au/), which has created unique course designs at three major locations in Australia; Regency Park, Link Shell Cove, and Pacific Harbour. Unlike traditional “amusement-based” these mini golf courses miniaturise the game of golf, catering to scratch golfers and beginners alike, with a focus on the game and having fun rather than landscaping. As the only mini golf product of its kind in the Southern Hemisphere, SHANX helps to broaden its demographic catchment and provides struggling clubs with a reliable second revenue stream, making it an ideal solution for the industry as it seeks new ways to attract more players.

## Home Entertainment

Golf simulators are becoming increasingly popular in Australia, as people seek out more engaging and realistic ways to enjoy the sport from the comfort of their own homes. This trend has been fuelled by the increasing demand for realistic training methods, as well as the affordability of portable simulators from leading companies such as GolfZon, Trugolf, OptiShot, and FullSwing.

COVID-19 restrictions have also played a role in the rise of at-home golf entertainment, as people looked for ways to stay active and entertained while staying at home. This led to a significant increase in demand for indoor sports, including golf simulation. High-profile golfers like Tiger Woods have even been using simulators in their training, with Woods stating that consistent practice on his Full Swing Pro Series simulator was important to his return to form after his car accident.

The growing popularity of golf athletic events has also spurred the development of accessible, cost-effective golf facilities, which has helped to further drive the market expansion of at-home golf simulators. National bodies have been supporting these initiatives, recognising the potential for these facilities to encourage participation in the sport. As people continue to seek out engaging and realistic ways to enjoy golf, the market for home golf entertainment is expected to keep growing.

## The right insurance for your golf entertainment venue!

The rise of golf entertainment venues is a testament to the sport’s adaptability and willingness to embrace innovation. These golf entertainment venues offer a profitable revenue stream for struggling golf clubs and pave the way for a bright future for the sport. With the support of innovative companies like Golf Business Australia (GBA), who are offering unique insurance products to these businesses, these venues can thrive and continue to break down barriers for potential new golfers and create a sport for all.

GBA’s unique insurance products, such as the Golf Technology Insurance Scheme, are tailored specifically for the emerging sector of indoor golf simulation and club fitting facilities, offering protection against equipment breakdown and other risks. If you’re in need of an insurance coverage review for your golf club or facility, please reach out to GBA at __1300 852 025__ or visit [www.golfbusinessaustralia.com.au](https://www.golfbusinessaustralia.com.au)


This article examines how these new golf entertainment venues are making the sport more accessible by providing a more social and gamified experience and emphasises how all formats are crucial in a consistent national pathway of growing the game of golf.

The Rise of Golf Entertainment: Breaking Down Barriers

> Read the article below on how Golf Business Australia's insurance policy helped save the business of a PGA Professional, Ben Weatherly, after Mooroopna Golf Club was hit by heavy rains and flooding in October 2022.

In October 2022, [Mooroopna Golf Club](https://www.mooroopnagolfclub.com/) was hit by heavy rains causing flooding on the course, like many other courses across Australia.

Ben Weatherly, the resident PGA Professional, had moved his pro shop stock to the clubhouse and headed home before the Shepparton-Mooroopna Causeway was closed that evening. 

The golf course was closed for almost a month due to the damages caused by the floods.

Weatherly contacted [Golf Business Australia](https://www.golfbusinessaustralia.com.au/), unsure if his policy covered flooding, and received the guidance he needed during this stressful period. 

The Business Interruption (Loss of Attraction) cover sourced by Golf Business Australia provides a much-needed source of income, especially for clubs that are unable to obtain flood insurance or where it is prohibitively expensive. 

Weatherly's insurance policy via Golf Business Australia allowed him to have peace of mind knowing that he would not suffer financially. It saved Weatherly's business and allowed him to get back on his feet. 

Read the full story and learn how Golf Business Australia can help you review the insurance policy for YOUR club: https://pga.org.au/news/weatherlys-business-saved-by-correct-cover/


This article discusses how Golf Business Australia's insurance policy helped save the business of a PGA Professional, Ben Weatherly, after Mooroopna Golf Club was hit by heavy rains and flooding in October 2022.

Weatherly’s business saved by correct cover by Golf Business Australia

With the ever-changing landscape of the golf industry, from technological advancements to the ongoing effects of natural disasters, it is crucial for golf clubs to stay well-informed and review their insurance coverage. The emergence of new risks and trends means that having specialist advice and adequate protection in place is more important than ever.

In this article, we’ll look at the risks and exposures that golf clubs must be aware of in 2023 when considering insurance coverage and how they can navigate emerging risks and trends faced by the golf industry.

## Natural disasters

Australia is known for its unpredictable and extreme weather conditions causing havoc to business operations across many industries. According to Insurance Council of Australia, there was more than 23,000 insurance claims made in relations to the 2020 bush fires, with a total loss of estimated value of $1.9 billion. And last year the insurance industry reportedly suffered $4,895 million in losses from flood events in Queensland and New South Wales alone. The numbers paint a clear picture of the risks and financial hardships many golf clubs and business are facing as a result of the extreme weather conditions.

The damages caused by these events is changing the way insurance carriers evaluate property risks for golf and country clubs and the coverage they offer. Holding a relevant insurance policy including Business Interruption Protection is now crucial for clubs and facilities affected by natural disasters such as bushfires, floods, and other severe weather events. It can mean the difference between survival and closure.

Business interruption insurance is particularly important as the loss of income from course closure and other business disruptions often can be more detrimental than the cost of repairs and damages. This type of insurance protects the income and livelihood of golf clubs and are enabling clubs to stay open for business during the restorations. Holding a relevant policy of insurance usually means the difference between survival and having to close for good.
![cyclone](//images.ctfassets.net/55n47dyoik3o/6uG6mbve8dVtRAUE4q9PEz/b0e821893173d73a9f08038e1bbc2308/cyclone.jpg)

## Emerging Risks & Trends

### Cyber Hacking

Another growing concern for businesses across all industries is cyber security. As technology continues to advance, golf clubs and facilities are also becoming increasingly reliant on digital products and third-party services to conduct their operations and collect and share. As a result, online fraud has become an attractive way for criminals to steal information, money, or disrupt operations.

In recent years, there have been high-profile cyberattacks on organisations like healthcare provider Medibank in Australia and Wentworth Club in England. These attacks similarly resulted in the release of sensitive personal information and caused reputational damage and a loss of trust among members. While clubs can not necessarily avoid a cyberattack, they can minimise their risks and potential damages by taking a proactive stance and implementing sound cybersecurity measures. Additionally, it is recommended to use a tailored insurance policy that offers comprehensive coverage for first-party expenses and third-party liability from unauthorised access and use of data or software in clients’ IT infrastructure.

### Golf Simulators

Another trend that has been growing in popularity is the use of golf simulators. These technology advancements allow golfers to practice and play golf in a virtual environment, which can be a valuable tool for both experienced golfers and beginners. However, installing and maintaining these can be costly, and there is also a risk of damage or malfunction of the equipment. Insurance for these new technologies is difficult to obtain today, but it is important to do the due diligence – because without adequate insurance coverage, a malfunction or damage to the equipment can result in operational interruption and costly repairs.

### Golf Carts

GPS-enabled golf carts are a new technology that has been gaining popularity in recent years due to the added convenience and navigation features that they provide for golfers. However, with this new technology comes new exposures and liabilities. For example, these carts are typically more expensive than traditional golf carts, making them a more attractive target for theft and more expensive to fix if damaged or replace.

Additionally, these carts can have legal liability exposures. For example, if a golfer gets injured while operating a cart, the golf club could be held liable for the injury, and without adequate insurance protection, they could face significant financial losses.

## Is a review of your golf club’s insurance overdue?

  ![GBA logo](//images.ctfassets.net/55n47dyoik3o/ZXIylaOTVn7qLG6imPOHd/9dc38e20508390b94d883b9ae7747209/360-65-Golf_Business_Australia.jpg)Golf Business AustraliaInsurance can be a complex and confusing topic and when it comes time for your annual renewal, it can be tempting to simply renew a policy without an adequate review. By working closely with an expert insurance provider, such as Golf Business Australia (GBA), golf clubs can review and update their policies to align with the ever-present and emerging risks to ensure that they have thorough coverage.

With the right insurance coverage in place, golf clubs can focus on providing an enjoyable and safe golfing experience for their members & guests with peace of mind.

If you’re in need of an insurance coverage review for your golf club or facility in 2023, please reach out to Golf Business Australia (GBA) at 1300 852 025 or visit www.golfbusinessaustralia.com.au and don’t forget to ask about GBA’s newly introduced Insurance Health-Check.

Learn about new risks and trend in the golf industry and what insurance you'll should be having.

Time To Review Your Golf Club Insurance Policy For 2023: Navigating Natural Disasters, Emerging Risks and Trends

Golf Business Australia (GBA), Australia’s leading golf specific insurer broker, is now offering expert advice via an insurance health-check, providing risk analysis and options to ensure golf professionals are receiving the right protection at the best rates. 

Get yours today and pay less for insurance! 

As with any business, running your own pro shop comes with its unique set of risks. To be fully protected your insurance policy needs to cover not only physical damage such as vandalism, fire and theft of stock and equipment, but you also need protection for financial loss.
The income impact of golf course closure due to damages from catastrophic weather events such as floods, hail or bushfires, is often more detrimental to Pro Shops than physical loss. This is why GBAs exclusive “Loss of Attraction” 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.

*Are you paying too much premium?*

With this in mind (if not done already) Golf Business Australia urges all pro shop owners across Australia to review their insurance policy. This is to ensure they are covered for both physical & financial loss claims, AND without paying exorbitant insurance premiums for inadequate protection.

“Many available coverages today are packaged as a one-size-fits-all policy. These insurance policies have paid zero attention to your actual business, nor do they understand specific risks associated with owning & operating a golf pro shop.” says Daniel Bateup, Managing Director at GBA.

“Therefore, we would now like to assist new clients with a special insurance health-check for a limited time – so you can get a better understanding of your business’s unique risk factors and have your pro shop correctly insured!

Adding value (NOT COST) to your insurance requirements…

“We want to reduce your overheads whilst providing ‘peace of mind’ allowing you to get on with running your business, stress-free,” says Daniel.
Following the completion of GBA’s insurance health-check, you will receive experienced golf industry insurance advice, including a plan that works to protect your assets and revenue from the unique conditions and threats specific to golf pro shops.

__Get your insurance health-check with GBA today!__

Daniel believes in building long-standing personal relationships with each client and takes the time to understand YOUR needs.

Contact Daniel today on 1300 852 025 or fill out the contact form on GBA’s website and start your journey to better, cheaper insurance.


 is now offering expert advice via an insurance health-check, providing risk analysis and options to ensure golf professionals are receiving the right protection at the best rates. 

Paying too much premiums? 

Paying too much premiums? Get an Insurance Health-Check with GBA & lower your rates

By Mathilda Andersson

__A MILESTON will be marked this year when Australia’s premier golf insurance specialist Golf Business Australia (GBA) returns as a founding partner to the highly anticipated Golf Business Forum/PGA Expo in Melbourne this October – back to where it all started for the Sydney based company.__

Then held at the Melbourne Park Function Centre, the forum’s inaugural event became something of a catalyst for the newfangled firm, which now, some six years later has truly cemented its position in the industry as a leading provider of golf specific insurance solutions, covering over 100 golf facilities and pro shops around Australia.

Inside Golf caught up with founder and Managing Director Daniel Bateup a few months ahead of the educational event, which will be held at the CENTREPIECE at Melbourne Park this year, to hear how the company and the industry has changed since we last saw him at ‘the Forum’ in 2016.

## How does it feel being back at the Golf Business Forum?

We are excited to be back at the Golf Business Forum where it all began! In 2016 we knew no one, but we knew we were in the right place. Six years on we proudly call many exhibitors and delegates our valued customers. If it wasn’t for them, GBA would not be the success story it is today.

From an insurance standpoint, the outlook is totally different today than back in 2016. I think major global and local events as well as environmental factors have had the biggest effect on the industry’s insurance market recently, along with golf courses’ susceptibility to volatile weather conditions which has forced many insurers out of the market.

The manner of unusual weather we’ve had this year is changing the way insurance carriers evaluate property risks for golf facilities in Australia and the availability and terms of coverage they’re offering. With interest rate still low and the steep increases in preventable type insurance claims, the stakes are too high for most insurers who have little faith left in the industry. This has left Australian golf facilities with very few coverage options.

We hope this year’s expo and our continued involvement in the Golf Business Forum will grow our understanding of, and connection with, today’s golf industry and its insurance needs.

## What has ‘the Forum’ meant for Golf Business Australia?

The industry partnerships we have forged through these events and the interactions with industry peers have helped us cultivate and improve our insurance offerings. It (the Forum) has allowed us to extend the raft of customers beyond traditional golf clubs - so in that aspect it has incredible valuable to the company.

Our value propositions now reach beyond your typical insurance coverage and is inclusive of contemporary formats and emerging trends like driving ranges, indoor golf facilities and golf simulation centres. These are some of the fastest growing trends in the industry and we want to assist these businesses to achieve success in their market through our value-adding products and qualified, experienced service.

This year we have developed a Golf Technology Insurance Scheme in response to the new market demand. It is tailored specifically for owner/operators of indoor golf simulation and club fitting facilities using the latest in golf technology and was purposely designed to cover the unique risks associated with this emerging sector of the golf industry. The policy features extended occupation cover and protection against equipment breakdown (because let’s face it, technology has a habit of failing when you least expect).

Since these facilities have a completely different risk profile, it’s important that we interact with clients in their network to be able to provide them a bespoke solution.

The Golf Business Forum is a great place to get those conversations going!

## How important are industry relationships for Golf Business Australia?

Incredibly important! We have always believed in a united industry front, and we are always seeking out relationships in the industry to benefit our clients.

Our interactional approach has attracted a long line of invaluable partnerships with insurance peers over the years, including Business Interruption specialists Martin Minett, and other golf industry risk pioneers such as Epar, Country Club Intl and Employsure. It is these relationships in the industry that enables the company to continue to deliver an end-to-end risk solution for all clients.

We have also been lucky enough to have long running relationships with golf industry experts and government bodies like the PGA of Australia and Golf NSW. These relationships allow us to tailor strategy solutions for a broad range of clients and provide them with intimate golf insurance market knowledge that other insurers are lacking.

By working as an official licensee of the PGA for the past three years we have been able to assist many PGA clients with developing cost-effective and broad coverage insurance solutions in form of a tailored Pro Shop Insurance Package, offering exclusive premium discounts and cover benefits only for PGA members. We designed this policy to address gaps in cover created by insurers who labelled golf professionals as “retailers” when the business of a golf pro shop is much more.

We are pleased to see these partnerships continue well into the future, for us to be able to provide the best service and coverage exclusively to our clients.

## Finally, claim assistance on losses are now in the millions, what insurance advice would you give clubs?

No doubt the industry has had a tough run over the past few years in terms of unpreventable weather events causing havoc to golf courses. And unfortunately, this run of wet weather and flooding continues to be a massive disruption to business and substantial financial hardship as a result.

Golf Link just recently came out with a new report showing to what extent the interruption has had on golf rounds played this year, which sadly was down more than 50 per cent for inner Sydney clubs compared to previous years. So, from an insurance perspective it’s important clubs and facilities assess their risks and review their insurance policies now, to minimise the future financial effect of business interruption.

Most commercial property insurance claims focus on physical damage instead of economic loss, but as figures show, often the income impact from closing your course due to damages from catastrophic weather events is more detrimental than actual repairs. Member frustration with not being able to play on quality courses also has a long-term effect on club’s financial viability. This is why Business Interruption insurance is critical.

Holding a relevant policy of insurance usually means the difference between survival and having to close for good!

However, it’s important to also understand that the weather alone is not responsible for the volatility of the current insurance market and golf courses’ high-risk profile. Many of the million claims are so called preventable type insurance claims. These are losses relating to things within clubs’ control, like cleaning gutter and tree maintenance. These are arguable an equal contributor to the lower tolerance among insurers for clubs around Australia.

To turn it around for golf’s insurance market, the industry needs to come together as a whole and adopt good risk practices. I believe with the help of risk maintenance and practical mitigation strategies the market for many smaller clubs can turn. Things like club house maintenance programs and prevention methods as easy as cleaning gutters can see big losses in relation to storms (55% of claims) be avoided and in turn not increasing claims. Clubs just need to be educated on these practices.

By having programs in place that assist staff in identifying what could go wrong and then taking viable measures to prevent it, will help the whole golf industry to become more attractive to insurers.

![GBA](//images.ctfassets.net/55n47dyoik3o/5hOBBevruVUCoFOHQczIHs/8e4c0e52498942e4d354bfff772b70f0/Screenshot_2022-09-17-ACFrOgC8leNVhtNGaHx_C00nZqNfR9iNL39hf8CnT3lJbtliFknUq9L3S9RLELuXGu9VW_Xu-6GdCMzSx331lqZgd2wvzJWXWflyQ..png)

## Need golf insurance?

Insurance can for some be a minefield, and when the annual renewal notice comes along it’s sometimes easier just to pay premium, rather than take the time to review your policy.

If you need your insurance cover reviewed and quoted at your golf club or facility – please get in contact with Daniel on 1300 852 025 or via www.golfbusinessaustralia.com.au. He will be at the Golf Business Forum/PGA Expo in Melbourne from October 12-13 this year and would love to chat about your insurance needs.

Daniel builds a personal relationship with each client and takes the time to understand your particular needs. He will customise a plan that works to protect your assets, and revenue, from the unique conditions and threats to your golf business.

Inside Golf caught up with founder and Managing Director Daniel Bateup a few months ahead of Golf Business Forum/PGA Expo in Melbourne in October.

Golf’s Leading Insurance Advisor On Course For The Golf Business Forum

![GBA logo](//images.ctfassets.net/55n47dyoik3o/ZXIylaOTVn7qLG6imPOHd/9dc38e20508390b94d883b9ae7747209/360-65-Golf_Business_Australia.jpg)
*Insurance for innovative golf businesses.*

New and exciting technology infiltrates the world we live in and in more ways than ever before, golf being no exception. Even with its strong sense of tradition, the sport has been unable to remain unchanged by the rapid advances in new technology equipment.

At golf courses and in golf venues all over the world, new golfing tech is instigating transformation in the way we play the game.

## New Formats

These new and innovative technologies are created to measure ball speed and accuracy with the help of launch monitors, and have become a popular addition at many golf clubs and venues around the world.  New formats and emerging trends include driving ranges, indoor golf facilities and golf simulation centres.

These are some of the fastest growing trends in the golf industry and Golf Business Australia (GBA), the fastest growing golf industry insurance and finance provider in the country, wants to assist these businesses to achieve success in their market through our value-adding products and qualified, experienced service.

With adequate insurance being difficult to obtain today, GBA is now offering a unique range of insurance products to keep golf businesses on course with their bank balance including equipment and business finance.

## The Golf Technology Insurance Scheme

This year the niched insurance company has developed a Golf Technology Insurance Scheme in response to the new market demand. It is tailored specifically for owner/operators of indoor golf simulation and club fitting facilities using the latest in golf technology, and was purposely designed to cover the unique risks associated with this emerging sector of the golf industry.

The policy features extended occupation cover and protection against equipment breakdown (because let’s face it, technology has a habit of failing when you least expect).

“Since these facilities have a completely different risk profile, it’s important that we interact with clients in their network to be able to provide them a bespoke solution. 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,” explains Daniel Bateup, Founder and Managing Director of Golf Business Australia.

“Many of the available coverages today 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,”

“Our raft of customers goes beyond traditional golf clubs, and our value propositions now reach beyond your typical insurance coverage and is inclusive of contemporary.’

“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.

### ABOUT GBA:

Golf Business Australia is an official partner of Golf NSW and is an Official Licensee of The Australian PGA, and is the fastest-growing golf industry-specific insurance and finance provider in the country, and with a great understanding of the unique insurance needs of clubs and golf business.

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 Daniel Bateup on 1300 852 025 or fill out the contact form on our website and get a quote today and we’ll be in touch to start your journey soon.
Related Articles:


This year GBA has developed a Golf Technology Insurance Scheme in response to the new market demand.

 Golf Technology Insurance Scheme: Golf Business Australia

 The Golf Technology Insurance Scheme

__Are you wanting to consume more golf in your life but don’t have time to spend hours in front of the TV or reading blogs online? Are you an absolute golf fiend, just like us here at Golf Business Australia, and don’t want to miss the latest in the industry?__

Then listening to any of the now many golf podcasts available for free can be the answer you are looking for. Whether you’re on the way to the course, on the driving range, practising at home or on the putting green, listening to a podcast is a great way to learn while hearing the latest news and greatest stories on your favourite topics.

In no particular order, here are our best tips on what to put in your ear this year if you’re into golf.

## My Love of Golf

![indexw](//images.ctfassets.net/55n47dyoik3o/3oDsqrfMkunTDK7Yj3qEKs/5f2930dceaf5134778b3be940340d977/indexw.png)

[My Love Of Golf](https://myloveofgolf.com/) is an independent Australian podcast by golf business owner Ross Flannigan. Ross invites a variety of people in the industry every week to talk about their love of golf and how the game fits into their life. It started as a passion project and quickly became one of the top-ranking independent Aussie golf podcasts.

The broad guestlist comprises of sports people, business people and content creators who all share their passion and experience with the game and the backstories of their life. But the show also covers current events and tournaments, and a few betting for tips from regular co-hosts Rocket Heron and Magic Mike. This Australian podcast is for the real golf lover.

## No Laying Up

This twice weekly podcast by four best friends in Ohio, U.S, provides a light-hearted conversation around all things golf, including tournament recaps, interviews, deep dive player profiles, golf travel, and more. [The show](https://nolayingup.com/) has been described as a delicate balance act between the friend’s inside jokes and bits with real reporting and great interviews with some of the most insightful people in golf.

Starting up as a Twitter account with the same name, co-hosts Soly, Phil, Todd and Neil created No Laying Up – a soon rapidly-growing online golf brand with a growing audience (more than 450,000 followers and subscribers across all social media platforms) and with major partnerships brands like Callaway Golf and Charles Schwab. It is worth a listen!

## Sub-Par

![index 11.08.23 am](//images.ctfassets.net/55n47dyoik3o/18O1anl3vXqBbInxs8jPRp/1884fa5d6db514aaf298c2f4a9e6ca6c/index_11.08.23_am.jpg)

Airing on [GOLF.com](https://golf.com/podcasts/) every week and hosted by former PGA Tour pro Colt Knost together with his friend and on course rival Drew Stoltz, the Sub-Par podcast pairs colourful segments with in-depth sit-down interviews with the game’s biggest personalities. According to their mass audience, the show is very much the recorded version of “two mates shooting the breeze after a round of golf,” and who wouldn’t want to be a part of that?!

The witty pair has also hosted some of the biggest names in golf since the podcast’s inception in 2020, including Spieth, Justin Thomas, Tony Romo, Tony Finau, Jason Kidd, Rickie Fowler and Charles Barkley. A highly entertaining podcast with great conversations about the latest in the sport. 

## The Fried Egg

![index](//images.ctfassets.net/55n47dyoik3o/1oGxr82GCAerLMWwEEzi91/71ca73796234197baccb2acc806cffa0/index.png)

The love child of the popular golf website [www.thefriedegg.com](https://thefriedegg.com/) and their tri-weekly newsletter, The Fried Egg podcast covers everything from tour news to golf course architecture. The growing platform deep-dives into another level of the conversation around golf that the website does not have bandwidth to facilitate.

Even though there’s a big focus on course architecture and design, the Pod also hosts conversations and stories about professional golf. It offers listener an insight into today’s golf world and feature some of the most recognisable names in the game, from tour players to golf course architects. It’s all golf, all the time. Go have a listen!

## Golf / Andrew Daddo

Mega golf enthusiast, writer, presenter, APIA ambassador and now Podcaster Andrew Daddo could not get enough of golf in his life so he decided to start having conversations online – conversation about the good, the bad, the beautiful and the inevitably ugly of the game.

[The pod](https://podcasts.apple.com/au/podcast/golf/id1534972519) is a celebration of the sport by people who love the sport. In his short and snappy episodes Andrew is joined by other true enthusiasts sharing their view on the sport and the industry as a whole. It’s an easy listen from a guy who has tried his hand at almost everything, but most of all want to share his love of golf.

All podcasts are available on iTunes, Spotify and all the main podcast providers.

## Let’s talk!

If you, just like Golf Business Australia, love everything golf and are always looking for more ways to engage with the sports, any of these golf 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.

Let us know if you think we have missed any that should be on the list. If you need help or advice with your insurance and finance needs, feel free to [shoot Daniel Bateup a message](https://www.facebook.com/Golfbusinessaustralia) or call anytime on __1300 852 025__.


Golf Industry Insurance Specialists

Protection From Tee To Green

Property Damage

Business Interruption

Public and Products Liability

Management Liability and Cyber Insurance

Cyber Insurance

Get Golf Club Insurance Cover From Golf Business Australia