A Brief Early History of Golf

There is general consensus that the Scots were among the first who invented golf, although there is some evidence that the game was started in Holland as the word “golf” is derived from the Dutch word “kolf”. However, it is known that the Scots developed the game using a number of clubs to hit a small leather ball stuffed with feathers (called a feathery ball) to a hole in the ground (typically these were rabbit holes). Many thousands of rabbits roamed the Scottish coast (play was primarily on the east coast as the west coast was too wet to play). 

The first true golf course was St. Andrews, Scotland. The first golf played in North America that was documented was in Charleston, South Carolina (as it was noted in the local newspaper “The Gazette” that mentioned events at the South Carolina Golf Club in 1786).

Where did golf terminology come from?

The term “Birdie” originated in the United States in 1899. A foursome playing at the Atlantic City CC, one individual hitting a great shot said “that was a bird of a shot” (Bird was American slang for anything great). They determined when one plays one under par that it be called a “Birdie”.

The term “Eagle”, a score that is two under par, being a big birdie should be called an “Eagle” as it is a big bird.

The term “Par”, is a standard term in sports, where it simply means level or even.

The term “Bogey”, comes from a song that was popular in Britain in the 1890’s, “The Bogey Man”. Looking for the Bogey Man was as difficult as hitting a perfect score.

Golfing terms came into use much the same way that new words are being invented and added to dictionaries and used on the internet.

The first set of written “Rules” (13 rules) was in Edinburgh in 1744. To keep the grass cut back they used cattle and sheep to help the golfers from not losing balls.

St. Andrews has become known as “the home of golf”.

Golf and Health

Golf is a casual activity that can be played by people of all ages. Golf is a leisurely sport and injury risk is relatively low when compared to such other sports as football. However injuries can still occur.

The most common injuries are to the:

  • Lower back – Most frequent complaint among golfers is lower back pain.
  • Wrist – injuries to the wrist are common due to overuse and/or by hitting the ground during a swing.
  • Elbow – Golfer’s can suffer a similar injury as in tennis (Tennis Elbow), called Golfer’s elbow. It’s caused by a repeated motion that causes the tendons in your elbow to become inflamed.
  • Shoulders – Swinging a golf club can put a strain on your shoulder muscles, particularly as you get older.
Some things to remember to assist you in avoiding injury are to do warm up and stretching exercises before playing. You should pay particular attention to your back, shoulders, arms and neck. Not warming up before teeing off can be a big mistake. Joint restriction (in the back and hamstrings) causing muscles to be tight and force you to make changes to your swing.

Some of the things that you should consider in addition to stretch exercises before you play are:

  • Reduce your grip pressure and loosen up your arm muscles during a swing. The tight grip and arm muscles actually reduce your flexibility and golf swing.
  • Consider changing from steel to graphite shafts to reduce arm strain at impact.
  • Whenever practicing, try to hit off the grass instead of the rubber mats.
  • In your swing, try to avoid contact with rocks, trees or sprinkler heads.
  • During the backswing always bring the club head back slowly.
Enjoy your next round of golf!

Benefits of Golf Travel Insurance?

Looking forward to that next golf vacation? But what would happen if the airlines lost your clubs or they were damaged? What if as a result of an accident on the golf course, somebody brought a liability suit against you? What if on your golfing holiday you are unable to play because of the weather?

Golf Travel Insurance, unlike other insurance policies, has the added advantages such as:

·         The protection against damage or theft of golf equipment or rental equipment.

·         Cover a personal accident while on the golf course.

·         Liability coverage in the event that you are involved in an accident with a third party.

·         Public liability when calling “Fore” on an errant shot is not enough.

·         In the event of inclement weather and you cannot play or you need to cancel your trip entirely, golf travel insurance can    often times cover your green fees.

·         If you become sick and aren’t able to play the courses your reserved for your stay.

·         Missed travel arrangements for flights or because of car problems.

The amount that you are insured for and the price of your golf insurance depends on the different options that you choose, and like all insurances, the more coverage you choose increases the amount that you will pay. If you choose a less expensive option, make sure that you study the fine print of the policy carefully in order to ensure that you receive adequate coverage in the event of an accident while you are on golf travel vacation.

Enjoy your golf vacation.

Should I have Golf Insurance?


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
Even the best planned golf vacations don’t always go as planned. So you may want to think about golf insurance to make sure that your golfing experiences are always pleasurable.

Happy golfing!   

Do I Need Golf Cart Insurance?  The answer is Yes.

 Many gated, retirement or golf communities allow individuals to use golf carts for leisure activities. A golf cart is still a moving vehicle, which can cause damage or possible injury. Obviously, you’re not going to take your golf cart out on a public highway, but you may need to think about golf cart insurance to protect you, your family or others.

In many places, golf carts are recognized as a legal form of transportation. As such, you need to think about protecting yourself in the event of any legal action resulting from an accident that causes property or injury of a person.

Typically your homeowners or auto insurance does not cover golf carts (or ATV’s (All Terrain Vehicles)). Golf cart insurance can cover you no matter where you go. Traveling on your property, the golf course, or driving around the community to go visit a friend’s house.

There are many different types of insurance that you can choose for your cart.

  • Collision – In the event that your golf cart is damaged in a collision, insurance will cover the damage to your cart.
  • Medical Bills – Medical bill coverage for you or anyone else riding in the golf cart.
  • Property Damage or Bodily Injury – Covering medical bills and any other injury related expenses that may be incurred as the result of a golf cart accident.
  • Comprehensive – If your golf cart is damaged by anything other than a collision, coverage will be provided.
  • Uninsured Motorist Property Damage – If your golf cart is damaged and someone else is at fault and they don’t have insurance or enough to cover the damages.
  • Additional Coverage – Most policies won’t cover theft of personal belongings not related to your golf equipment. Such as your wallet, watch or rings.
Insurance for your golf cart is essential for those that own and regularly use a golf cart to protect against any medical or legal costs if you are involved in an accident.

Happy golf carting!