Have you ever thought about coverage against theft, damage to property (hitting someone’s house, damaging siding or windows) resulting in personal liability, or personal injury? Golfers are liable for injuries or damage caused while playing golf. There are 120,000 golf injuries each year, and over 10,000 of those require hospital treatment. Even if you shout a warning “FORE” and your miss hit shot strikes someone causing damage, you are liable.
You should also consider golf insurance if you travel and bring your golf clubs. Your golf clubs and other equipment can be expensive. This will cover your golf clubs in the event of damage or loss during a trip. These policies can also cover expenses for such things as falling off a golf cart or getting hit by lightning.
Golf event planners need to consider insurance to cover Hole in One contests, Million Dollar Shoot Outs, Putting contests and inclement weather forcing the delay, shortening or canceling of an event.
Most golf insurance groups provide the following options:
- Golf equipment (damage, loss or theft)
- Personal accident
- Personal liability
- Damage to third party property
- Golf equipment hire, in the event of loss or theft
- Tournament events such as a Hole-In-One