Golf Carts, Auto Policy, CGL Form

In our town, a recent ordinance has been posted that has made golf carts street legal, within certain guidelines and restricted to certain streets in town. Once or twice a year, the town holds a festival and a couple of the officials drive some golf carts around town. A local retailer lends these golf carts to our insured for this event

My question is, how can the insured get coverage for this exposure? Does the CGL form apply or will the insured need an auto policy? Incidentally, the golf carts do have head lights, tail lights, turning signals, and horns.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis