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.

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