For Club Owners:

Our strategic partnership means we can provide broader solutions for both private and semi-private club owners – plus specialized and optional insurance coverage and the flexibility to provide higher limits

Special Endorsements


Additional general liability endorsement covering property damage to the property of others in your care, custody, and control, caused by a golf ball being hit from the course premises and regardless of fault.


A broad blanket coverage endorsement that offers the option of increasing building and personal property limits an additional $500,000 above the policy’s standard limits.


SCR–Wateridge Insurance Services provides a multi-line product offering including:

  • Property
  • Blanket Real and Blanket Personal Property
  • Coverage
  • Business Income Including Extra Expense
  • Golf Course Coverage up to $2,000,000
  • Equipment Breakdown
  • Spoilage
  • Crime Coverage
  • Flood
  • Earth Movement
  • Outdoor Golf Course Property Including
  • Coverage for Trees
  • Casualty
  • General Liability Primary Limits $1,000,000 / $2,000,000
  • Liquor Liability
  • Identity Recovery Coverage
  • Pollution Liability
  • Storage Tank Liability
  • Umbrella/Excess Liability Limits up to $10,000,000.
  • Business Automobile Liability, Including Non-Owned Auto for Delivery
  • Garage Keepers Legal Liability
  • Workers’ Compensation Coverage –
    • Guaranteed Cost Plans
    • Pay as You Go Plans in partnership with regional and national payroll providers
    • PEO – Complete Employer Outsourcing Solutions
    • Captive Solutions
  • Employment Practices Liability Insurance “EPLI”

Risk Management Package

Smart Choice Resources – Wateridge Insurance Services offers a wide array of insurance and operations experts to best help spot risk and how to mitigate it.

Our specialists work with:

  • Clubs
  • Resorts
  • Hotels
  • Apartments
  • Condos
  • Homeowners Associations

Our risk management package includes:

Claims Management Services

  • Claims Advocacy & Support
  • Quarterly Loss Reviews
  • Loss Analysis

Operations & Coverage Audit

  • Evaluate Operations
  • Correct Possible Risk Issues
  • Search For Gaps In Coverage
  • Additional Coverage Needed

Policy and Information Storage & Archaeology

  • Collect And Maintain Relevant Insurance
  • Documents For Easy Access And Reference
  • Search And Collect Insurance Information And Policies From Past Years To Ensure Continuity Of Coverage And To Evaluate Any Possible Lapses

RFP Preparation

  • Plan And Prepare Specifications For Insurance Marketing Efforts

Market Analysis

  • Yearly Market Analysis To Determine New Coverage Available
  • Change In Market Trends Or Pricing

Additional Services Available As Requested

Contractual Liability Analysis

  • Ensure That All Contracts Are In Compliance

Catastrophe Services

  • Model Catastrophe Exposures And Develop Catastrophe Recovery Plans

Corporate Training Tools

  • Online And Hard Copy Training Tools To Reduce Risk For Workplace Safety, Corporate Governance And State/Local Regulations