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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
golf cart insurance

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 Insurance Cover?

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

  • 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.
  • 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.
  • 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: This covers carts that are plated.
  • True Umbrella: 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

While most people hope to avoid insurance claims, the time may come when you need to file one. We’ll be there to make it easier. 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.

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

If you’ve found applying for liability insurance to be a hassle in the past, XINSURANCE provides a welcome change. 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.


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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