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Insurance for Golf Cart Shuttles

Liability Insurance for Golf Carts

In some parts of the country, golf carts are becoming popular off the greens. They’re on the road shuttling people around neighborhoods, senior communities, sporting events, airports, college campuses, and even in hospitals. Golf cart shuttles come in many forms. The personal golf cart has a top speed of less than 20 mph and can be gas-powered or electric.

Many golf cart models don’t come equipped with seatbelts and aren’t required to meet federal safety standards. On the other hand, low-speed vehicles (LSV) hit the road at a top speed of 25 mph. They’re electric, equipped with seat belts, windshields, mirrors, and turn signals, and must meet federal safety requirements. Both can be efficient (and fun!) but risky. That’s why liability insurance for golf cart shuttles should be a must-have.

Recently, a man was ejected from a golf cart in New Jersey and awarded $3 million. A few years ago, a driver of a golf cart shuttle at a casino mistakenly reversed and struck and killed a guest.

Golf cart shuttles don’t hold up well in a collision on the road and can result in serious injury or death. The fact is, these vehicles can tip over, malfunction, or get into an accident. Who’s liable in case of an accident or injury — or worse? The driver (if you’re being chauffeured), the golf course operator, and potentially the manufacturer of the golf cart can be held responsible. How do you protect yourself and your business?

Why Do You Need Golf Cart Liability Insurance?

If an accident occurs, the injured party could decide to sue. A legal judgment or claims settlement could cost you thousands or possibly millions of dollars. All-in-one golf cart shuttle insurance from XINSURANCE will pay for injuries and property damage sustained by third parties, up to your policy’s limits. If your case goes to court, your plan will also cover your legal expenses. It’s the most practical and cost-effective way to protect your assets.

What Does Insurance for Golf Cart Shuttles Cover?

We’ll work with you to develop a tailored insurance policy containing one or more of the following coverages:

  • General liability: GL coverage provides broad third-party protection for bodily injuries and property damage stemming from a business-related accident.
  • Guest passenger liability: This coverage pays for injuries sustained by individuals riding in a golf cart due to accidents caused by the operator.
  • Auto liability: If your golf cart is “street legal,” this protection covers accidents that occur during road use.
  • Excess liability: If you already have golf cart liability insurance, this plan provides true umbrella protection that covers the base policy’s gaps and exclusions.
  • Physical damage: This form of non-liability insurance covers damage to golf carts the policyholder owns. Examples of covered events include collisions with another vehicle or object and non-driving-related losses like theft, vandalism, and lightning strikes.

We Take Those Difficult-to-Insure Risks

Are you having trouble finding a shuttle liability insurance provider in the standard market? Is an adverse claims history keeping you from getting the coverage you need? At XINSURANCE, we focus on insuring individuals and businesses that have had their policies canceled, non-renewed, or rejected elsewhere. We can also cover gaps and exclusions in existing plans, giving you true peace of mind. When other insurance entities say “no,” we can often say “yes.”

No Risk Is Too Big or Too Small for XINSURANCE

Many individuals and business owners come to us because they need more liability coverage than what other insurance providers can offer. We can issue policies with limits as high as $10 million. If you need a larger amount, we can explore a plan with up to $20 million of protection through our network of reinsurance partners. We also take smaller risks that often don’t fit the standard market’s more restrictive guidelines. Our flexible underwriting enables us to adapt coverages to meet each applicant’s unique requirements.

Our Commitment to Service Sets Us Apart

When you choose XINSURANCE for golf cart shuttle insurance, our service doesn’t stop when we issue the policy. We’ll also be there to help if you ever need to file a claim. You’ll have access to a 24/7 reporting hotline so you can initiate the settlement process as quickly as possible. If an injured party decides to sue you, we’ll provide an aggressive legal defense that keeps your best interests in mind. We’ll even consider taking old, unresolved claims.

If you’re looking to reduce the likelihood of filing a claim, our risk management services can significantly limit your exposure. We’ll come to your golf course to conduct a comprehensive on-the-ground assessment and provide practical tips that can lower your insurance costs.

Applying for Coverage Is a Hassle-Free Process

You don’t have to waste valuable time and effort to get golf cart shuttle insurance from XINSURANCE. Our streamlined process makes it easy. Begin by completing the online application and sending it to our underwriting team for a prompt review. We’ll then contact you to schedule a convenient telephone conversation, enabling us to learn more about your situation.

Once we have all the info we need, we’ll send you a quick quote for your approval. If you agree to the terms and pay the first premium, we’ll bind the coverage right away.

Golf Cart Liability Insurance Wherever You Need It

No matter where you operate a golf course in the United States, XINSURANCE can protect your business and assets — we offer liability coverage in all 50 states. You’ll work with an insurance partner that understands the unique circumstances and exposures that impact your region or area and get a customized solution that works for you.

Learn More About Liability Insurance for Golf Cart Shuttles

Discover how an all-in-one golf cart liability insurance policy from XINSURANCE can give you true peace of mind. Give us a call at 877-585-2853 for additional information or to start the quote process today. You can also complete and submit our online contact form for a quick response.


XINSURANCE provides specialty liability insurance for golf cart shuttles through an all-in-one approach, providing direct access to underwriting, risk management, and claims management. XINSURANCE, offered by Evolution Insurance Brokers, has decades of experience writing insurance for golf carts of all kinds.

No matter the situation, no matter the risk or history, XINSURANCE can give you peace of mind on the greens or on the road. For more information, check out our golf cart insurance page!

Updated May 18, 2021