Imagine stepping into the tee box, concentrating on keeping your left arm straight and head down. You ease your driver into a backswing, drop the club face down, and listen to the crack of a golf ball taking flight. You look up and realize in horror that the ball is indeed traveling fast and far … as it hooks left into the parking lot full of BMWs, Mercedes, and Lincolns.

A scenario like this would seem commonplace — and the reason for many golf course insurance claims. But according to Travelers' recent study, there are other, more likely reasons for a course to make a call to its agent to report a claim.

For instance, fires account for just four percent of all claims made by courses, but they add up to 40 percent of property loss costs. According to Travelers, fires typically originate from electrical deficiencies in golf cart storage areas, often due to the use of improper chargers or lack of electrical capacity.