Public Liability insurance

Why do I need Public Liability insurance?

Every golfer should have Public Liability insurance. No matter how experienced or skilled you are, there’s always the chance of hitting a wayward shot.

If you were to cause injury to another golfer or damage someone’s property, you could be facing a hefty compensation claim.

Take the 2018 Ryder Cup, when Brooks Koepka’s tee shot veered off course and hit a spectator, blinding her in her right eye. Mrs Remande said she planned to take legal action because she had expensive medical bills to pay for her treatment. If this kind of incident happens to you, you need to make sure you’re protected. In fact, even if you shout “fore!” you will still be responsible for any resulting injury or damage.

Or simply look at the wayward tee shot that cost a golfer his sight in one eye and another golfer £80k in liability because the judge ruled that “he should have appreciated that every golfer, no matter his competence, will make bad shots.”

With our Public Liability insurance, you are protected from the above scenarios for up to £10 million, so you won’t be left out of pocket should you hit a wayward shot.

Why do I need Public Liability when I have household insurance?

Most people are not aware that most common household insurance policies exclude sports Public Liability insurance. So, without specialist insurance, you are not protected if you injure someone else or damage someone’s property. In a sport that involves balls flying through the air at speed, why risk it? Focus on your shot knowing we’ve got you covered.

What does it cover?

You will be protected for up to £10 million in the event of accidentally injuring someone else or someone else’s property.

What’s more, it covers the costs of repairing any damage caused to property, which we know happens no matter how experienced you are!

Is Public Liability included in my policy?

All of our policies include Public Liability insurance. We have four policies offering you different levels of cover depending on the value of your equipment and where in the world you’ll be insured. Our Bronze and Silver policies provide Public Liability cover on UK golf courses only, our Gold policy covers you while playing anywhere in Europe and Platinum covers you anywhere in the world.

How much does Public Liability insurance cost?

Our specialist golf Public Liability insurance is provided by Golf Care, part of Ripe Insurance. Endorsed by former Ryder Cup Captain, Bernard Gallacher, Golf Care is the UK’s biggest golf insurer and all new policyholders can qualify for a range of fantastic free gifts.

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