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Golf carts offer a flexible transportation solution for golf courses and other properties or areas that aren’t suitable for automobile traffic. These compact, maneuverable vehicles are ideal for moving people and a small amount of equipment or materials quickly and efficiently.

Whether you have a golf cart rental service, a rental home with a golf cart, a golf cart taxi service, or are advertising with a golf cart, insurance coverage is a must. Golf carts are used all over the place including neighborhoods, college campuses, senior communities, and airports, and many accidents involving golf carts require emergency room treatment.

When an accident with a golf cart you own or rent occurs, you could be liable for injuries or damages resulting from the incident. Without adequate liability insurance coverage, you could have to pay a substantial sum to settle a claim or lawsuit. It’s even possible you could lose some or all of your business or personal assets.

golf cart insurance for golf cart owners renters and companies
golf cart insurance for golf cart owners renters and companies

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.


Infographic on why you need insurance for golf cart shuttles

What You Need To Know About Golf Cart Insurance

XINSURANCE Offers True Umbrella Golf Cart Insurance Coverage

Whether you own one golf cart or an entire fleet, XINSURANCE can meet your liability insurance needs. We work with our insurance partners to deliver a customized solution that gives you true peace of mind. We specialize in “high-risk” situations that other providers typically avoid. That makes us an excellent choice if you have been non-renewed or canceled or had an application for coverage rejected elsewhere.

For a golf cart insurance quote, reach out to our XINSURANCE underwriters who can help ensure you have comprehensive liability coverage when it comes to driving your golf cart.

What Does All-in-One Golf Cart & Golf Cart Shuttle Insurance Cover?

At XINSURANCE, we use an all-in-one approach to get the coverage you need under one policy. Available coverages include:

  • General Liability (GL): This insurance provides broad liability coverage for owners or operators of companies that rent golf carts or use them for business applications. If you use golf carts for promotional purposes, a GL plan can also protect against false advertising claims. GL also provides coverage for bodily injury which compensates third parties for the medical costs they incur due to an injury from an accident caused by the operator’s negligence. It also pays for the insured’s legal defense. Lastly, GL covers property damage – if you cause an accident that damages others’ property, this insurance pays for repairs or replacements and provides lawsuit protection.
  • 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 (PD): Use this non-liability insurance option to compensate you for losses or damages to golf carts that you own. PD coverage can include collision — crashing into another cart or an object such as a tree — and comprehensive — non-accident-related damage such as theft, vandalism, fire, lightning, and wind.
  • Auto Liability: If your golf cart is “street legal,” this protection covers accidents that occur during road use.
  • Excess Liability: Our True Umbrella can cover any gap, limitation, or exclusion in any other insurance policy in force.

We'll Fill the Gaps in Your Current Golf Cart Insurance Coverage

Some insurance providers offer “one-size-fits-all” liability plans that may not address the areas that impact you as an individual or business owner. Our all-in-one approach enables us to develop a tailored solution that covers your unique exposures. You’ll get True Umbrella coverage with the liability limits that make sense for your circumstances, whether it’s $10 million or even $20 million.

Why You Should Partner with XINSURANCE for Golf Cart Liability Insurance

Excellent Service for as Long as You're a Policyholder

At XINSURANCE, we value partnerships, and it shows in our hands-on approach when working with our customers. Besides offering customized solutions that give our policyholders true peace of mind, we go above and beyond to deliver superior service. We’ll perform a free, comprehensive review of your current insurance program to determine any areas where you lack protection. We also offer risk management services that can help you avoid claims and reduce your liability insurance costs.

Claims Assistance Available Whenever You Need It

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. Whether the incident just happened or you need help with an older claim, you can count on timely, professional guidance with the settlement process. Our goal is to make things “whole” again as quickly and painlessly as possible.

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.

You'll Find It Easy to Apply for Golf Cart Insurance

You don’t have to waste valuable time and effort to get golf cart shuttle insurance from XINSURANCE. Our streamlined process makes it easy.  We’ve designed our application process to save time and eliminate red tape. You can submit the application online, and our underwriting team will respond quickly to schedule a convenient phone call to further discuss the information. We’ll then supply a quote for your review. If you approve and pay the initial premium, your new policy will be issued promptly.

Contact Us for a Golf Cart Insurance Quote Today

Get true peace of mind with an all-in-one golf cart insurance policy from XINSURANCE. To get started, fill out and submit the quote form on this page. You can also contact us if you have questions or need more information.

Recreational Vehicle Insurance

Have more toys than just a golf cart? We can provide insurance solutions for other recreational vehicles such as ATVs, snowmobiles, jet skis, aircraft, boats, and more!


golf cart insurance

40% of golf cart accidents involve a person falling out of the cart and 10% of accidents involve rollovers.

golf cart insurance

Small children and teenagers account for almost 1/3 of all golf cart-related injuries and accidents.

golf cart insurance

Each year in the US, approximately 15,000 golf cart-related injuries require emergency room treatment.

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