The CPGA's Pro Shop Insurance Program - called PROPAC, is an "Optional Benefit". The policy covers your pro shop stock, equipment, motorized carts and related property and crime insurance needs on an All Risks Basis. Coverage is not automatically provided by your Association. You must apply to join the plan personally. All Head Professionals can take advantage of this outstanding program.

The PROPAC Program is specially designed to meet the needs of a CPGA Pro Shop.

This is NOT just another "Retail Store Package". It is a program of long term protection which has been developed over the past 30 years with the assistance and direct advice of CPGA Golf Professionals.


"Why should I join the plan?"

PROPAC generally offers better insurance protection than any other plan on the market because of its unique design and does so at very attractive rates. Since it was designed exclusively for golf professionals, it contains many features and extensions of coverage not available elsewhere.


"What are the unique features"

PROPAC Provides:

• coverage on stock, equipment and power carts at the shop, at home, in storage, while in transit and at other temporary locations

• coverage to provide replacement power carts, if yours are out of action due to an insured loss world-wide coverage on your own clubs

• coverage for your personal property while used in your business

• coverage for the cost of your accountant's fees to help you determine the amount of larger claims

• specific coverage for your loss of earnings as a result of an insured loss

• optional coverage for your liability for other people's carts and clubs in your care

• a $500. hole-in-one prize, to be provided in your own name, at no cost, for the first ace scored at a pre-selected hole during your club championship (or other tournament if you wish, but you must advise us in advance)

Risk Management for Pro Shops

The process whereby the physical hazards of a business are identified and, wherever possible, eliminated or reduced. This is called Risk Management.

Risk Management has a number of very important benefits:

1. It reduces the chance of an accident or a physical loss such as a fire or theft.

2. Your business, therefore, runs smoother, without interruption, and with greater profit.

3. It makes broad forms of insurance protection readily available.

4. It reduces the cost of your insurance.

5. It confirms your role as an experienced, independent businessman and fosters respect and goodwill among your members.

Tips to Help Minimize Losses at Your Pro Shop

1. Limit the amount of stock kept at the Pro Shop during the off season.

2. During the off season, the premises should be checked on a regular basis (weekly in extreme weather).

3. Keep stock (especially expensive items) away from windows.

4. Install an approved burglar alarm which reports to a central station for all stock areas and cart compound.

5. Use of burglar resistant deadlocks with bars and screens on vulnerable windows and doors.

6. Regular maintenance and replacement program to keep equipment in good working condition.

7. Good housekeeping and flammable storage programs to minimize chance of fires and accidents.

8. Comprehensive training program for all employees in all areas of shop operations and safety.

9. Written procedures on cart rentals, accident reports, etc.

10. Posting of signs to warn of hazards, etc.

11. If transporting money to bank deposit, do not leave it in your car unattended. If you must keep it overnight take it into your residence.

Many of these tips are simply common sense matters, but they really do make a difference and are very inexpensive when compared to the consequences of a major claim or accident.

Warranties:

The PROPAC Program, as in any insurance policy, contains certain Warranties. A warranty is a statement which you make, generally in writing, that certain conditions exist and will be maintained throughout the term of the policy.

A significant warranty relates to Alarm Systems. If, on your application or statement of values, you advise that an alarm will be maintained you must ensure that it is kept on at all times or notify the insurance company (through the broker) if it is to be turned off. Failure to do so may render any subsequent claim invalid.