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Golf & Country Clubs

The course is open.
Will the tee sheet fill?

Rain can change a club’s busiest days without damaging a thing. We look at the property, the people and the revenue together.

Explore a tournament weekend

A SATURDAY TEE SHEET

7:00First group out
7:10Play suspended
7:20Play suspended
7:30Play suspended

A rainy morning on the course.
Course maintenance and staffing continue.

Three parts of the club

Buildings. People. Playing days.

Understand the weather exposure

Rounds, outings, dining and signature events.

Explore rain risk
Staff / Workers’ compensation Vehicles / Commercial auto Higher limits / Umbrella

A tournament example

Three days that matter to the whole season.

A private club hosts a three-day member-guest tournament each spring. Entry and guest fees, dinners, sponsorships and pro-shop sales make it one of the busiest weekends of the year.

FRIDAY

0.12″Below the trigger
$0Example payment

SATURDAY

0.32″Meets the trigger
$15,000Example payment

SUNDAY

0.18″Below the trigger
$0Example payment

A named station records rainfall from 7 a.m.–3 p.m. A day with 0.25″ or more triggers $15,000, up to $45,000 for the weekend.

Change the rain in the interactive example

The Pelorus approach

Start with the event’s economics.

Pelorus would review the club's current insurance, look at past event revenue and rainfall history for the tournament dates, and evaluate a parametric policy that pays an agreed amount for each tournament day when measured rainfall passes an agreed threshold.

Designed around your course

The right station. The hours that matter.

Compare local rainfall records with the club’s playing conditions and event revenue. Use that history to select the station, tournament hours and rainfall threshold.

Choose the risk period

A signature event?
Or the whole season?

THE EVENT VIEW

A few dates carry the weight.

Look at guest fees, sponsors, dining and sales attached to the club’s major dates.

THE SEASON VIEW

Small interruptions accumulate.

Compare monthly rounds and revenue with rain across the operating season.

Before we talk

A few useful answers.

How does rain protection complement property insurance?

Property insurance protects the club’s physical assets. Rain protection focuses on weather-sensitive rounds and events, with a payment tied to the agreed rainfall measurement during the dates and hours that matter.

How does event weather protection pay?

It pays an agreed amount when a defined measurement, such as rainfall at a named weather station during set hours, reaches the agreed threshold. We set the measurement window and payment schedule around the event’s revenue exposure.

Can it cover a whole season, not just an event?

Protection can be structured around specific dates or around a season. We'd look at your rounds and revenue history to help you see which fits better.

How does weather protection fit our current program?

Weather protection sits alongside your existing property and liability coverage. We review the full program so each part has a clear job, from protecting club assets to supporting weather-sensitive revenue.

Your next step

Bring us your club’s calendar.

Bring us the question. We’ll help you understand the exposure and the options available.

Prefer email? Contact our team

Useful for a first conversation

  • Monthly rounds and revenue for the past few years
  • Your event calendar and the revenue each major event brings in
  • Your current insurance schedule or declarations pages
  • The club's location

You don’t need everything ready to get in touch.