Golfers hitting the links are a sure sign that spring is just around the corner. Appropriately enough, property casualty insurance company St. Paul Travelers recently completed a study called "Safety On The Fairway," which analyzes the types of claims filed in its Eagle 3 golf insurance program. The study examined approximately 21,000 general liability and property losses from more than 1,400 golf courses between 1987 and 2004.
The top three loss leaders for golf courses were fires, wind damage, and slips/trips/falls. Though fires only accounted for four percent of the total number of claims filed, it resulted in 40 percent of total claim costs because of the amount of damage caused by them. According to the study, fires most commonly occurred when circuits were overloaded with electric golf carts that were being charged.
Wind damage from inclement weather accounted for 23 percent of total claim costs. The study encouraged course managers to mitigate damage by trimming dead limbs and cleaning debris immediately after a storm.
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