The CPGA's Master Liability program was designed to cover all the liability insurance needs of a traditional golf professional including the expected activities of Teaching, Playing Practicing, Clubfitting and running a Proshop at a "green-grass" facility.

Over the years, many CPGA members have taken on significant additional duties at their clubs including Club Ownership, Food & Beverage concessions and/or Club Management functions. These activities were never intended to be included in the Master liability coverage and are in fact excluded.

In addition, as a premium saving measure, the CPGA has excluded liability resulting from the Ownership (or leasing) of Power Carts.

Golf Club Subcontractors

It has become common practice at many golf & country clubs to concession out certain activities and/or subcontract certain functions. Food & Beverage, Greenskeeping, Snack Bars, and even Club Management.

As Independent businesses these contractors are NOT covered by the Club’s general liability insurance and must obtain their own

Curling Club Subcontractors

Curling clubs tend to be smaller operations, running a very seasonal activity. It is quite common for the management of the curling club to be part-time and/or volunteer. It is often administratively convenient to “contract out” many of the maintenance and auxilliary functions.

Again, these contractors are NOT covered by the club’s liability insurance. They need their own