Par PAK

Small Business Insurance with The IMT Group

The Par PAK on the Wadena BOP provides enhanced and tailored coverages for golf course operations, with the flexibility to increase or add optional coverages to meet the golf course’s needs. Insuring your golf course with Wadena Insurance means protection for buildings, business personal property, and liability exposures. It also includes coverage for business personal property off-premises, signs, newly acquired buildings and personal property, and employee dishonesty. The Par PAK has all the coverages to keep a business owner worry free!

Property Coverage

  • Buildings
    • Limits automatically increase a minimum of 2% annually
    • Available at replacement cost, actual cash value or functional replacement cost – the choice is yours!
  • Business Personal Property
  • Blanket Coverage
    • Available for buildings, business personal property or combination of building and business personal property
  • Personal Property of Others included in Business Personal Property Limit

Liability Coverage

The increasing number of lawsuits and high costs of legal fees makes it more important than ever in today’s world to have the best liability coverage available. The Wadena BOP understands your concerns and has included the following coverages in its Par PAK:

  • $300,000 limit for Bodily Injury, Property Damage, and Personal and Advertising Injury. Higher limits are also available.
  • $5,000 for medical expenses for anyone other than an insured who is injured on your premises regardless of fault.
  • Defense costs are over and above the limits listed in the policy.

In addition, the following coverages are offered for an additional premium:

Directors and Officers Coverage

Directors and Officers (D & O) Coverage is available on Par PAKs! D & O Coverage provides liability coverage for wrongful acts of Board of Directors.

Coverages designed specifically for a golf course and included in the Par PAK:

  • Additional Insured: Manager or Lessor of Premises
  • Automatic Extinguishing System for Cooking Equipment
  • Club Professional Replacement Expense
  • Food Contamination
  • Golf Ball Damage
  • Hole-In-One Reimbursement Expenses
  • Outdoor Property – Expanded Coverage
  • Pesticide or Herbicide Application

We would encourage you to find out more about our Par PAK by contacting a local insurance agent today!