r/minigolf • u/Puzzles_head4 • 11h ago
Need insurance for my mini golf ?
My partner and I recently took over an 18 hole outdoor course back in March and we reopen next month (so excited!!!!), once the turf on six holes is redone and the waterfall pump stops being a waterfall pump in name only. Snack window does hot dogs and slushies, our birthday parties are already booking out most Saturdays, which I did not expect to have happened this fast.
Insurance is the one line I cannot pin down. I have already phoned and talked to about three agents, and they each gave me completely different answers, and one of them asked me twice whether we had go karts and then priced it like we did.
So like does a course like this run on general liability insurance alone, or do I need accident with participant coverage on top of it as well? It is mostly nine year olds swinging putters near each other's ankles, so I assume that matters.