For golf courses and private clubs, cost of risk shows up in a few predictable places: property across the clubhouse, maintenance facilities, and course infrastructure, member and guest liability, food and beverage and liquor liability, and workers’ comp across grounds, kitchen, and events staff. The Risk AFA puts them on one prioritized list with a named owner for every item, built on risk data we compile and maintain for clubs: loss history, what your peers carry in limits and retentions, and what the market is pricing by line. One item is chosen to finish before your next renewal submission; the rest run in sequence after it. We do the work with you and place coverage around the result.
ContactGrounds and kitchen workers’ comp is usually the first item on the plan: experience mod review, return-to-work, and supervisor training move it quickly. Liquor liability controls, cart and course safety, and event vendor certificates are usually next. Each item on your plan shows the expected effect on your cost of risk, so you can see what it is worth before you approve it. We bring the resources and the people to carry it out, and you see the progress in the six-month stewardship report.
As the general manager or a board member, you should be able to approve a short plan, know who owns each item, and report progress to the membership without running the risk program yourself. That is what the Risk AFA gives you. The work happens with your superintendent, F&B director, and HR lead, not in board meetings. At renewal, the underwriter sees what was done and prices accordingly. What comes off your cost of risk stays in the operating budget, and the stewardship report is ready for the finance committee.
If the club is one of several in an ownership group, the same plan and cadence run at every property.
See Private Equity →Thirty to sixty minutes about your club and your current program. No cost, no pitch.
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