Any good caddy would recognize this as a trick question. A well-known rule limits golfers to a maximum of 14 clubs in a bag, with a two-stroke-per-hole penalty for violations. Of course, if you’re carrying a bag at Augusta, you probably don’t miss this-you know to count the clubs before leaving the clubhouse.

Insuring golf courses and country clubs likewise requires a “count”-of the numerous risks a country club faces and strategies to manage them. By demonstrating this expertise and providing attentive service to our country-club clients, our agency has developed this niche into a significant portion of our book of business.

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