Insurance for Country Clubs & Private Clubs in Florida
Membership-based. Legacy operations. Affluent members with high expectations. Florida's private clubs carry a coverage profile unlike any public-facing hospitality operation.
Country Clubs & Private Clubs in Florida
Country clubs and private clubs occupy a unique position in Florida's hospitality landscape — membership-based, often with decades of operating history, offering dining, recreation, and social programming to a closed membership. They also carry a coverage profile that differs meaningfully from public-facing hospitality operations.
Florida's private club landscape is significant — the state's affluent coastal communities, retiree population, and year-round climate support a dense concentration of country clubs, yacht clubs, tennis clubs, and private social clubs. These organizations often carry substantial real estate assets, long-tenured workforces, and member populations with high legal awareness.
FRLA MEMBER ADVANTAGE
Exclusive Access Through FRLA Membership
The FRLA Insurance Program is available exclusively to members of the Florida Restaurant and Lodging Association. FRLA membership unlocks access to this program — along with advocacy, education, and resources built for Florida's hospitality industry.
The program is administered by The Southern Agency and backed by Lloyd's syndicates — providing the coverage breadth and financial depth that country clubs & private clubs operators need.
Not yet an FRLA member?
FRLA membership is required to participate — but you can apply first. Indicate your status at intake and the team will help you through the membership process if you decide to move forward.
BACKED BY
Lloyd's
The world's leading insurance marketplace
Coverage placed through Lloyd's syndicates — providing the financial depth and market access that Florida's hospitality exposures require.
What Private Club Operators Need to Think About
Florida's private clubs serve as the social infrastructure of their communities. Their coverage should be equally reliable.
Member Premises Liability
Private clubs bear premises liability for their members — and member expectations around safety and maintenance are high. The relationship between a club and its members creates a specific liability context that is different from the anonymous public-facing hospitality environment. Members who are injured on club premises often have long relationships with the club and expectations commensurate with their dues.
EPLI in Long-Tenured Workforces
Private clubs often employ workers who have been with the organization for many years. Long-tenured workforce dynamics — particularly around termination and disciplinary actions — create EPLI exposure that requires careful management and appropriate coverage. Long-service employees who are terminated create higher-stakes EPLI scenarios.
Liquor Liability in a Private Setting
Private clubs with bar operations carry liquor liability under Florida's Beverage Law regardless of the private membership structure. A liquor-related incident involving a member or their guest creates full dram shop liability for the club — and the private setting does not create a liability shield.
Legacy Asset Property Coverage
Country clubs frequently own historically significant buildings, mature landscaping, and specialized recreational assets — golf courses, tennis courts, pools — that carry significant replacement costs not reflected in standard property valuations. Current replacement cost appraisals and agreed-value coverage are worth ensuring for clubs with legacy physical assets.
Core Coverage Areas for Florida Hospitality
The program is built around the exposures Florida restaurant and lodging operators actually face — including the specific risks that come with operating as country clubs & private clubs.
Coverage structure, eligibility, and pricing vary by account profile, underwriting review, and loss history. Not all coverages may be available for all accounts.
Other Operators Who Use This Program
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Ready to Explore Coverage for Your Country Clubs & Private Clubs Business?
FRLA members operating as country clubs & private clubs have access to a specialized insurance program built for Florida hospitality. Start a quote or talk with the program team to explore whether it's the right fit.