Golf insurance is necessary when golfers want coverage for any loss or damage to golf equipment or to protect golfers when claims of injury are made against them, the National Service Resort & Country Club notes. Golf insurance is necessary for those who own a golf course to provide liability insurance; golf cart insurance; herbicide, pesticide and pollution liability insurance; tournament prize insurance; and liquor liability insurance, H & K Insurance says.
If golfers belong to private country clubs, they may be required to carry golf insurance, the National Service Resort & Country Club notes. The insurance indemnifies golfers for celebratory costs when golfers score a hole-in-one. Golf insurance also covers damage accidentally caused to property belonging to other individuals and gives financial protection for medical expenses or injuries incurred while golfing.
For golf course owners, general liability insurance provides coverage for injury or damage that occurs to the owner's property, H & K Insurance explains. Basic coverage includes bodily injury, medical payments, legal fees and property damage. Herbicide and pollution liability covers bodily damage that may result from the use of toxic chemicals. The coverage is effective as long as the property owners' equipment and chemicals meet local codes. Liquor liability insurance is for golf courses that allow people to bring their own liquor onsite or golf courses that serve alcohol. This coverage offers protection from litigation that may result from issues with intoxication by golf course patrons.