T2Green Insurance Program

If you run a private or semi-private golf and country club, a golf destination resort, a golf management company or a social or city club in the United States, T2Green Insurance Program gives you a property, liability and auto package written only for clubs like yours, placed through your own insurance agent. It writes cover in every part of the US, and the company says that includes markets other niche insurers currently underserve. You can compare it with other golf club insurance and financing providers and the wider clubhouse and operations suppliers in the directory.

Cover for the course itself and your members

The main gain is cover for the parts of a club that general commercial policies tend to leave out. Its “Tee to Green” property cover protects outdoor property, playing surfaces and trees that matter to the course, and pays for debris removal, for both coastal and inland clubs. Alongside it you can add:

• crime, flood and earthquake cover on the property side
• a liability package that names your members as additional insureds
• errant golf ball cover and professional liability for your golf and tennis pros
• liquor liability for bars and dining rooms
• commercial auto plus hired and non-owned auto
• herbicide and pesticide applicator cover for your maintenance crew
• umbrella or excess limits on top

The company says it builds each plan from the options above after learning how your club operates.

Weather risk and claims support

If your club faces active hurricane seasons or wildfire threat, T2Green says it has the experience to price that risk and offer cover rather than decline it. When you do have a loss, K2 Claims Services, the program’s appointed third-party claims administrator, takes the claim through a 24-hour call center, with offices in every US time zone for longer working hours. The program says its team works with you, your agent and its A-rated insurance carrier to settle questions during a claim. Before quoting, it asks agents to complete a T2Green supplemental application, which is posted on its website with an information flyer.

Who runs the program

T2Green is the first program of RandCo Insurance Services, LLC, a member company of K2 Insurance Services, LLC, and is run from Wayne, Pennsylvania, holding California license 6003660. Founder and president Michael W. Rogers has spent 25 years in insurance, more than 15 of them managing golf and country club programs, most recently as executive vice president at Venture Programs. Operations manager Taneisha Johnson brings over 20 years in commercial underwriting, including roles at MunichRe, Old Republic and Hartford Steam Boiler, and senior underwriter Katherine Scott and junior underwriters Ryan McMahon and Spencer Wilson complete the team, so you know by name who will be underwriting your club. The company describes itself as one of the largest insurers of the club industry.

The team says insuring golf clubs is its sole focus, and it works with your agent so your club gets the benefit of its product knowledge and risk management capabilities, not just a policy.

How your policy and claims work

It helps to know who stands behind your cover. Under the terms of use of K2 Insurance Services, the group behind T2Green, any policy you take out is a separate contract between your club and the insurance company that issues it. K2 says it does not issue policies directly and is not a party to the policy, and claims under the policy are filed with the insurer under your policy terms. It also says it cannot bind cover through its website, so sending your details online may not by itself result in cover. To quote, your application details are shared with insurers and service providers.

To report a claim, you can call the Customer Service Department on 844-223-9005 or email your claim information to [email protected].

How the program charges

T2Green does not publish premiums on its website. Your price is worked out for your own club and comes to you through your insurance agent.

More businesses serving clubs in the United States and abroad include Club Insure, Club Prophet and TeeQuest Solutions.

Source: t2greeninsurance.com, t2greeninsurance.com/#keycoverages, t2greeninsurance.com/terms-of-use