Golf Cart Insurance Solutions for Every Need
Golf cart insurance solutions for the green and beyond.
Request Your Custom QuoteCruise With Peace of Mind: Golf Cart Insurance Solutions for Businesses and Individuals
Whether you drive a golf cart in your local neighborhood, own a golf cart rental service, or use golf carts as a shuttle service, insurance coverage is a must. People use golf carts in neighborhoods, college campuses, senior communities, hotels, and airports. Make sure you’re covered with liability insurance for your golf cart.
Why You Need Comprehensive Golf Cart Insurance
Golf cart liability insurance is essential for several reasons. It can provide financial protection if a covered accident, incident, claim, or lawsuit occurs involving your golf cart. Without liability insurance, you could pay for damages or injuries caused by your golf cart out of pocket, which could be financially devastating to you or your business.
Golf cart insurance is needed because accidents can happen, regardless of how careful you are as a golf cart driver or business owner. Whether it’s a collision with another vehicle, property damage, or injury to third parties, the costs associated with these incidents can be substantial. Liability insurance helps cover these expenses up to policy limits, including medical bills, property repairs, legal fees, and potential settlements or judgments, in the event of a covered claim.
Whether you’re looking for golf cart insurance near you in your neighborhood, at your golf course, or across your business operations, XINSURANCE connects you with customized coverage solutions tailored to your specific location and needs. We can find comprehensive, customizable, and reliable insurance solutions for your peace of mind.
Who We Provide Golf Cart Insurance Solutions For
- Golf cart owners
- Golf cart rental companies
- Transportation services
- Golf courses
- Resorts and hotels
- Event venues
- Security services
- Recreation facilities
- Industrial sites
- And more!
Coverage Options for a Golf Cart Insurance Policy
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Auto Liability
If your golf cart is “street legal,” this protection covers accidents that occur during road use.
Guest Passenger Liability
This form of liability coverage pays the medical expenses of passengers riding in the operator’s golf cart stemming from an accident that’s the operator’s fault.
Physical Damage
Provides protection against damage to the insured vehicle(s). This coverage can include collision coverage, which pays for damages caused by collisions with other vehicles or objects.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Equipment Coverage
Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Special Events Liability
Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
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Specify Your Needs
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Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
Learn More About Golf Cart Insurance
What Are the Risks of Golf Carts?
Individuals and businesses should note the risks associated with golf carts. The most common risks include accidents causing injuries, overturned carts due to reckless driving or uneven terrain, pedestrian hazards, insufficient maintenance leading to unsafe conditions, and improper loading or cargo handling affecting stability and maneuverability. Golf carts are similar to cars but without many of the protections that cars offer, which increases the potential dangers.
To mitigate these risks, operators should prioritize safety, follow guidelines, receive proper training, and adhere to local regulations associated with golf cart usage.
What Coverage Do I Need for My Golf Cart Insurance Policy?
The most basic coverages often included in golf cart insurance are physical damage liability, personal liability, commercial general liability, and auto liability. To see more details about what coverage options are available, scroll up to our Coverages section.
Some of the abovementioned solutions are for businesses, while others are for individuals, so you benefit from working with our team to decide which most apply to you. Besides distinguishing between commercial and individual insurance, you can customize your coverage solutions when working with an insurance partner like XINSURANCE. We’re dedicated to finding the ideal solution for you rather than a general option that works for no one.
Why Should I Have Liability Insurance for My Golf Cart?
As a golf cart owner, you may think you’re careful or that the risks are low. As a business owner, maybe you think you have enough rules to protect your operations, so you consider it an unnecessary expense. However, the costs associated with damages or injuries often far exceed what you would have paid without insurance. Even one incident could significantly impact your finances as an individual or business. These potential challenges make investing in liability insurance worthwhile.
Why Should I Have Liability Insurance For My Golf Cart?
You need liability insurance for your golf cart or your business to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having golf cart liability insurance can protect you from significant financial loss and can be the difference between staying in business and closing your doors. In some places, golf cart insurance may be required.
What Does Golf Cart Insurance Cover?
Golf cart insurance typically covers a range of protections specifically designed for golf carts, whether they are used on a golf course or for personal transportation. Here are the common coverage options included in golf cart insurance:
- Bodily injury
- Property damage
- Collision
- Comprehensive
- Medical payments
- Uninsured/underinsured motorist
Get Your Golf Cart Insurance Quote Today
Ready to protect your golf cart? Getting a golf cart insurance quote from XINSURANCE is simple and takes just minutes. Our team will work with you to understand your specific needs and provide a customized quote that fits your budget and coverage requirements.
Know the Facts
In 2022, 44 golf cart occupants in the United States were involved in fatal crashes, and 26 of these occupants were killed.
Among the most common golf cart injuries in the United States are contusions, abrasions, lacerations, concussions, and fractures.
In the United States, the age group most likely to suffer injury from golf cart accidents is individuals between 10 and 19 years old.
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At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
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XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
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The XINSURANCE approach to coverage is anything but “one size fits all.” Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
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Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
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Insurance solutions tailored to your needs
Expansive coverage options
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TRU Homeowners
There’s a wide range of reasons why your homeowners policy may not be able to offer you sufficient coverage. Fortunately, XINSURANCE can offer TRU Homeowners solutions to cover wind, floods, earthquakes, mudslides, wildfires, and more.
Jet Ski Rentals
Whether you’re an individual or the owner of a jet ski rental business, we can provide insurance solutions tailored to your needs. Get the coverage you need before you have to go without it when a disaster occurs.
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
Infographic on Why You Need Insurance for Golf Cart Shuttles
If an accident occurs, the injured party could decide to sue. A legal judgment or claims settlement could cost you thousands or millions of dollars.
All-in-one golf cart shuttle insurance solutions identified by XINSURANCE can pay for injuries and property damage sustained by third parties up to your policy’s limits in the event of a covered claim. If your case goes to court, your plan can also cover your legal expenses. It’s the most practical and cost-effective way to protect your assets.
