If you’re hosting a private golf event—whether it’s a company outing, charity scramble, customer appreciation tournament, or even a small invite-only group—you may be wondering:
Can I get hole-in-one insurance for a private golf event?
The answer is yes. Hole-in-one insurance is available for private golf events of all sizes, and it’s one of the easiest ways to offer a high-value prize without taking on financial risk.
In this guide, we’ll explain exactly how hole-in-one insurance works for private golf outings, what it covers, what information you need, and how to get a quote quickly.
What Is Hole-in-One Insurance?
Hole-in-one insurance is a type of prize indemnity coverage that protects the event host if a golfer makes a hole-in-one and wins the prize you advertised.
Instead of paying out a large prize out-of-pocket (like $10,000, $25,000, or even a new car), the insurance policy covers the payout as long as the contest follows the rules listed in the policy.
This is why hole-in-one contests are so popular: you can offer a huge prize and only pay a fraction of the prize value to insure it.
Yes, Hole-in-One Insurance Is Available for Private Golf Events
Many people assume hole-in-one insurance is only for large charity tournaments or corporate events, but that’s not true.
Private hole-in-one insurance is available for:
- Corporate golf outings
- Private club member tournaments
- Charity golf events
- Customer or vendor appreciation events
- Employee incentive golf days
- Friend or family invitational tournaments
- Private fundraising events
- Scrambles, best-ball tournaments, and shotgun starts
Whether you have 20 players or 200 players, you can still run a legal, insured hole-in-one contest.
Why Private Golf Events Use Hole-in-One Insurance
Hole-in-one contests bring energy and excitement to an outing. They also make your event feel bigger and more memorable.
But the real reason private event organizers use hole-in-one insurance is simple:
It eliminates the risk of paying out a major prize unexpectedly.
For example, if you advertise:
- $10,000 cash prize
- $25,000 cash prize
- $50,000 cash prize
- New car hole-in-one giveaway
- Luxury vacation package
And someone actually hits a hole-in-one, you’re on the hook unless you have coverage in place.
Hole-in-one insurance allows you to confidently offer big prizes and market your event without financial stress.
What Does Hole-in-One Insurance Cover for a Private Event?
Hole-in-one insurance typically covers the prize amount you advertise if a golfer makes a hole-in-one under insured contest conditions.
Coverage may include prizes such as:
- Cash prizes
- Cars and trucks
- Motorcycles
- Boats
- Golf carts
- Vacation packages
- Jewelry prizes
- Electronics
- Any prize with a stated dollar value
The policy is written based on the prize value and contest rules.
Important: The contest must follow the requirements listed in your policy (distance, witness requirements, eligible participants, etc.) for a claim to be paid.
How Does Hole-in-One Insurance Work for Private Golf Events?
Hole-in-one insurance works like this:
- You choose the hole-in-one prize amount (example: $10,000 cash).
- You choose the hole where the contest will be held.
- You follow standard rules (like minimum yardage and witness verification).
- You purchase a hole-in-one insurance policy before the event starts.
- If a golfer makes a hole-in-one, you submit proof and documentation.
- The insurer pays the covered prize amount.
This allows private event hosts to offer high-dollar prizes with minimal financial exposure.
Is Hole-in-One Insurance Expensive?
Most event organizers are surprised by how affordable hole-in-one insurance is.
The cost depends on factors such as:
- Prize amount
- Number of participants
- Hole yardage
- Skill level of players
- Number of attempts per golfer
In many cases, insuring a hole-in-one prize costs a small percentage of the total prize value.
For example, a $10,000 prize may cost far less than people expect, especially when proper contest rules are in place.
What Are the Standard Rules for Hole-in-One Insurance?
To qualify for hole-in-one insurance coverage, private golf events generally must follow certain rules. Exact requirements vary depending on the policy, but common guidelines include:
- The hole must be a par 3
- A minimum yardage requirement (often 150 yards or more for men, sometimes less for women)
- Each golfer must take only one shot per attempt (unless the policy allows multiple shots)
- The hole must be played under regulation golf rules
- The shot must be witnessed by two independent witnesses (often a course pro and a neutral witness)
- The contest must be properly documented
Some policies also require a certified witness stationed at the tee or green, especially for higher prize values.
Tip: Hole In One International can guide you through the exact rules needed to make sure your contest is valid and claim-ready.
Can I Insure a Hole-in-One Contest If My Event Is Invite-Only?
Yes. You can absolutely insure a hole-in-one contest even if your tournament is private or invite-only.
Insurance companies do not require the event to be open to the public. They simply require that:
- The event is scheduled
- The number of participants is declared
- The contest rules are followed
- The contest is conducted fairly
Whether your players are employees, customers, members, or personal guests, hole-in-one insurance can still apply.
Can I Get Hole-in-One Insurance for a Small Private Golf Outing?
Yes. Hole-in-one insurance is not limited to large tournaments.
Even if you’re hosting a smaller group outing, you can still insure a prize and run a legitimate hole-in-one challenge.
Small private golf events often use hole-in-one insurance because:
- The prize is funded by a sponsor
- The organizer wants a premium experience
- A big prize creates excitement without needing a big tournament budget
If you want your event to stand out, adding a hole-in-one prize is one of the simplest upgrades you can make.
What Information Do I Need to Get Hole-in-One Insurance?
Getting a quote is quick and straightforward. Most private event organizers only need to provide:
- Date of the golf event
- Name of the golf course
- Hole number for the contest
- Yardage of the hole
- Prize value (cash or item value)
- Estimated number of participants
- Contest format (scramble, best ball, etc.)
- Whether golfers will get one attempt or multiple attempts
Once those details are provided, coverage can often be arranged quickly.
Can I Offer a Car as the Hole-in-One Prize at a Private Event?
Yes. A car is one of the most popular hole-in-one prizes, and it is commonly insured for private golf events.
Many private outings work with:
- Local auto dealerships
- Sponsors
- Corporate partners
The dealership supplies the vehicle, and the event organizer insures the prize so nobody is left covering a major cost unexpectedly.
This is one of the best ways to create a “headline” attraction at your tournament.
How Far in Advance Do I Need to Buy Hole-in-One Insurance?
It’s always best to purchase hole-in-one insurance as early as possible. Most policies must be issued before the contest begins, and many require coverage to be finalized at least 24–48 hours before the event date.
If your event is coming up soon, it’s still possible to get insured quickly—but don’t wait until the last minute.
What Happens If Someone Makes a Hole-in-One?
If a golfer hits a hole-in-one during your insured contest, the process is typically simple:
- Witnesses sign verification forms
- The golf course confirms hole yardage and play conditions
- Event organizers submit required documentation
- The claim is reviewed
- The prize payout is issued according to the policy
The key is having proper documentation and following the policy rules exactly.
Why Use Hole In One International for Private Event Coverage?
When you’re running a private golf outing, you don’t want confusing policy language or uncertainty about whether your contest is properly insured.
Hole In One International specializes in hole-in-one prize coverage and helps event organizers run contests that are both exciting and compliant.
Benefits of working with Hole In One International include:
- Fast quoting process
- Coverage options for cash prizes, cars, and high-value items
- Support for private golf tournaments and corporate outings
- Clear contest requirements and documentation guidance
- Peace of mind knowing your prize is protected
Frequently Asked Questions (FAQ)
Can I get hole-in-one insurance for a private golf tournament?
Yes. Hole-in-one insurance is available for private tournaments, invite-only outings, corporate events, and charity tournaments. Coverage is based on prize value, hole yardage, and number of participants.
Do I need hole-in-one insurance if I have a sponsor?
Yes, in many cases. Even with a sponsor, someone is still financially responsible for the prize. Hole-in-one insurance ensures the payout is covered if a winner occurs.
Can I insure multiple holes at the same event?
Yes. Many events insure more than one hole-in-one contest, especially if they want to offer different prizes on different par 3 holes.
Can I offer a cash prize instead of a car?
Absolutely. Cash prizes are common, and hole-in-one insurance can cover cash payouts at any amount allowed under the policy terms.
Is hole-in-one insurance legitimate?
Yes. Hole-in-one insurance is a well-established form of prize indemnity coverage used for tournaments worldwide.
Final Answer: Yes, You Can Get Hole-in-One Insurance for a Private Golf Event
If you’re planning a private golf event and want to offer a major prize without taking on major risk, hole-in-one insurance is a smart and simple solution.
Whether you’re hosting a corporate outing, an invite-only tournament, or a private charity scramble, you can get hole-in-one coverage that protects your prize and gives your golfers something unforgettable to compete for.
Get a Hole-in-One Insurance Quote for Your Private Golf Event
Ready to add a high-impact prize to your event?
Hole In One International makes it easy to insure your hole-in-one contest, protect your budget, and deliver an exciting experience for every golfer attending.
Contact Hole In One International today to get a fast quote and secure hole-in-one insurance for your private golf event.
