Protecting your Birdies and Eagles

• Broad coverage for pollution releases to land, water, or air that commence during the policy period; Coverage extends to pollution releases inside of any building
• Clean-up of Biological Hazards
• Mold & legionella liability protection
• First and third-party Diminution in Value (DIV) coverage
• Blanket coverage for Aboveground Storage Tanks (AST)
• Blanket coverage for Underground Storage Tanks (UST) installed within 25 years of the effective date of coverage
• Coverage for pollution arising from an unknown "phantom" UST
• Additional defense costs outside the limits
• Public relations expense coverage
• And more!

• One (1) year term
• Limits of liability from $500,000, up to $5,000,000
• Low retention starting at $10,000
• Minimum premiums:
• $2,700 (up to 18 holes, no swimming pools)
• $3,850 (More than 18 holes or the existence of swimming pools)

Does your client have storage tanks onsite for golf carts or other landscaping vehicles and equipment fueling?

An operator error such as forgetting to detach the transfer equipment from the fueling truck before driving off can break off valves or connectors and release the fuel outside the tanks, resulting in costly clean-up. Storage tanks must be in compliance with current governmental regulations in its area of operation. Large amounts of fuels or other chemicals may be stored in bulk storage tanks (i.e., those that hold 55 gallons or more, and can be located above ground, or be partially or completely buried). Releases from these tanks often go undetected for long periods of time which can also result in costly clean-up costs and other damages.

Is your client’s golf course or facility located near a body of water?

Turf maintenance activities, including application of nitrogen-rich fertilizer or weed killers and pesticides, can leach down into the soil causing contamination to groundwater, ponds, waterways, and nearby drinking water supplies. An insured may also face claims for misapplication and overapplication of pesticides and fertilizers (particularly those containing nitrogen, phosphates, nitrates, and potassium) to both nontarget and target sites. Overusing fertilizer with nitrogen can kill fish and other aquatic life, especially if an algae bloom results, or potentially cause methemoglobinemia (i.e., oxygen starvation or "Blue baby syndrome") in babies, elderly persons, and some livestock.

Is your client’s golf course or facility located near a residential area?

High winds can increase drift and cause the unintended application of pesticides to nontarget areas, while high temperatures and humidity can cause pesticides to evaporate. Courts have held both golf and country clubs and pesticide manufacturers liable for drift. Moreover, any chemical exposure increases the possibility of children, bystanders, or domestic animals inhaling pesticides.

Do the golf carts run on gas or electric battery power?

Golf cart batteries have the potential to leak acid into the ground or water. The insured's disposal methods for batteries and other golf course associated waste must be in compliance with the Resource Conservation and Recovery Act (RCRA), the Federal Insecticide, Fungicide, and Rodenticide Act (FIFRA), and other regulations. In the case of pesticides, containers that were used for pesticides must be triple-rinsed and marked as such before disposal. If the triple-rinsed containers cannot be recycled or are not burnable, they may be crushed, broken, punctured, or buried in a designated disposal site (which has EPA approval) or incinerated in a specially designed, extremely high-temperature incinerator (which also must have EPA approval). Generators of waste are still liable for pollution associated with their waste even after it has been sent for proper disposal.