One is the physical damage to the golf cart itself, including fire, wind, hail, lightning, vandalism, theft…etc. This one is simple. If an owner is concerned about this they should be adding the coverage to their inland marine portion of their policy. This only pays Actual Cash Value (what an owner would sell the cart for on Craigslist) normally.
The other coverage and the bigger concern for most is the liability. What if someone runs over someone else or hits them? We don’t tend to see many claims that involve other people running into people but we do see accidents where people run into objects or other cars. Typically, they are parked cars.
This is where your risk management and employee training comes in. Taking the extra time to review this with staff and scheduling a safety meeting can prevent that $2,000 dent in someone’s car.
