Our Mission | Your Safety

Why all golfers need Public Liability insurance

A recent survey from England Golf showed that golf is the fifth-largest participation sport in England, with nearly 4 million people playing a round of golf in the UK. What’s more, membership numbers are up by 24 per club on average.

However, with increased levels of participation come an increased risk of golfers accidentally injuring someone on the course. There have been several high-profile instances of this, most notably in the 2018 Ryder Cup when Brooks Koepka’s wayward shot struck a spectator and blinded her in one eye. At amateur level, there was the incident where James Gordon’s mishit shot struck and blinded Anthony Phee at Niddry Castle Golf Club, resulting in a £397k court case.

Unfortunate accidents like these can have significant financial ramifications – and reiterate how vital it is that all golfers don’t take unnecessary risks and have Public Liability insurance every time they set foot on the course. The Court of Appeal ruled in 1998 that, if you either injure someone else or damage someone else’s property such as a car as a result of a wayward shot on the golf course, you could be held financially responsible.

Despite what you might think, even if you shout "fore!", you will still be responsible for any resulting injury or damage. However, if you have Public Liability insurance, your legal liability is protected if you injure someone else or damage property while playing a round.

Most common household insurance policies exclude sports-related Public Liability insurance. However, at Golf Care, we provide up to £10 million of Public Liability insurance to ensure you’re covered against the aforementioned incidents every time you set foot on the course.

Better yet, our £10 million Public Liability insurance is available across all four levels of our cover, meaning you can safeguard yourself from injury and property damage from £27.72 per year! Our brand ambassador and former Ryder Cup captain Bernard Gallacher explains in the below video why having our Public Liability insurance is so important.

So, what are you waiting for? Don’t take unnecessary risks – make sure you’re protected the next time you hit a wayward shot by getting covered with us today.