There are a lot of people these days asking about insurance for disc golf. It could be a first-time Tournament Director wondering, ‘Is my event covered?', or maybe a landowner wondering, ‘Is it okay for people to show up at my private property to play my personal course that I want to share with the community?', or a business wondering, ‘What are we liable for if we have a course built?'

There are also questions that aren't being asked, such as, ‘Am I liable if I design a course for myself, what if I design a course for someone else, or is my private course covered by my local club's insurance?'

These are all important questions, and unfortunately they're getting posted in forums looking for help because there are so few resources out there to explain it all. The answers they get are often misleading or flat-out wrong. That can be dangerous when you're the one unknowingly assuming liability.

I'm going to do my best to explain the variety of types of insurance, who's offering what coverage, and what they will and won't cover. That said, I'm not a licensed insurance broker; you should speak to one before moving forward with an event or a course to get advice from a licensed professional. What I'm offering is a compilation of knowledge I've acquired while running Fluent Disc Sport, and through my volunteer activities in the disc golf world.