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Golf carts are no longer limited to the greens—they're now common in neighborhoods, airports, senior communities, college campuses, resorts, hospitals, and more. As their usage expands, so do the risks. With speeds up to 25 mph and often lacking safety features, golf carts can cause serious bodily injury or property damage. That's why insurance coverage tailored to this exposure is essential. Golf Cart Insurance Program from Prime Insurance Company Prime Insurance Company offers a flexible and comprehensive Golf Cart Insurance program designed to meet the growing demand for coverage in both personal and business uses of golf carts. Whether your insured is a homeowner renting out a property with a cart, or a business offering cart rentals or branded transportation services, Prime has solutions to help you write the business. Ideal Accounts and Appetite This program is well-suited for a variety of risks, including: • Homeowners or landlords who provide golf carts for guest use • Golf cart rental companies operating at beaches, resorts, or event venues • Businesses using golf carts for promotional or shuttle services (e.g., bar-to-bar or restaurant-to-parking lot transport) • Property owners in communities where golf carts are a common mode of transportation Prime welcomes both standard and hard-to-place risks. Many property owners may not realize that their homeowners or commercial general liability policies do not cover golf cart exposures. That's where this specialty program comes in. Coverage Highlights and Advantages Prime takes an all-in-one approach to recreational and utility vehicles, offering coverage for: • Golf Carts • Golf Cart Rentals • Golf Cart Equipment • ATVs • Personal Watercraft Coverage can be customized to meet the unique needs of your client. Liability, physical damage, and equipment coverage options are available, and Prime works closely with agents and brokers to develop solutions that fit each account. Underwriting Notes and Minimum Premiums Prime underwrites each submission individually and provides flexible solutions based on risk characteristics. While minimum premiums vary by state and exposure, agents can expect competitive pricing and responsive service. Territories and Availability This program is available in most states across the U.S., including but not limited to: CA, FL, TX, NY, GA, AZ, CO, and many others. Admitted coverage is available in select states, with non-admitted options offered where needed. Why Work With Prime Insurance Company? As a carrier with expertise in specialty risks, Prime Insurance Company offers a hands-on underwriting approach and a willingness to write tough classes that many others decline. You’ll benefit from: Direct access to underwriters who understand niche exposures Customized policy options for unique risks Coverage solutions for both personal and commercial use Fast quote turnaround and excellent service Let Prime help you place your next golf cart risk—whether it's a private homeowner or a commercial rental fleet. For more information, visit our company profile or explore the Golf Cart Insurance program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits homeowners, landlords, rental companies, and businesses using golf carts for transportation or advertising purposes. Does a standard homeowners or general liability policy cover golf carts?In most cases, no. Standard policies often exclude golf cart exposures, especially when used off-premises or for commercial purposes. Can I submit risks with prior claims or unusual usage?Yes, Prime considers both standard and hard-to-place risks, including those with prior losses or unique operational needs. Is this program available in all states?The program is available in most U.S. states, with admitted coverage in select states and non-admitted options where necessary. What types of vehicles are covered under this program?The program covers golf carts, golf cart rentals, golf cart equipment, ATVs, and personal watercraft. Need help placing an account? Connect with a market specialist.

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Policy Highlights for General Contractors Insurance: Colonial General Insura... specifically designed for general contractors who oversee operations performed by employees and insured subcontractors. Need help placing an account...

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a dedicated Driving Range Insurance program to help independent agents place coverage for public and private golf operations — including outdoor and indoor driving ranges, miniature golf, country clubs, and pro shop operations. This program is delivered through Colonial General as a managing general agency and excess & surplus lines broker with access to multiple markets (carriers vary). Overview of the Program from Colonial General This Driving Range Insurance program combines property, liability, crime and inland marine solutions on a monoline or packaged basis. It is designed for driving-range-focused operations that need tailored limits, ancillary coverages (golf carts, bailee’s coverage for pro shops, equipment breakdown), and excess/umbrella capacity. Admitted options are available in some markets; non-admitted E&S placement is supported where appropriate. Ideal Accounts and Appetite Public and private driving ranges (indoor and outdoor) Country clubs and golf courses with range facilities Miniature golf courses and entertainment complexes with limited lodging Pro shops, food/beverage concessions, and accessory retail operations on-site Accounts that fit best typically have routine range operations, managed crowd control, designated hitting bays, documented maintenance programs for tees and greens, and standard cart fleets. Complex operations with large-scale events, extensive on-site lodging, or high-hazard attractions may require specialized underwriting review. Coverage Highlights and Advantages The program includes robust liability and property features to address the common exposures of range operations: Commercial General Liability — Primary limits available up to $3,000,000 occurrence and aggregate; additional interests included; hired & non-owned auto included; $5,000 medical payments included; liquor liability available; excess/umbrella capacity up to $25,000,000; often no deductible required for liability. Property Coverages — Building, contents, equipment breakdown, replacement cost or ACV options, damage to greens and tee boxes, sprinklers, computer equipment, valuable papers, business income and extra expense, food spoilage, contractor’s equipment, and inland marine for golf carts. Crime Coverage — Inside premises (theft of money and securities; robbery/safe burglary of other property) and outside the premises. Pro Shop and Operations — Bailee’s coverage for pro shop, accounts receivable, and other retail-related exposures can be included. Underwriting Notes Submission requirements typically include an ACORD application, current loss runs, schedule of operations (hours, seasonal usage), details on food/beverage and alcohol service if applicable, and photos of the range, bays, and cart storage. Underwriters evaluate range layout, netting/fencing, lighting, cart maintenance programs, employee training, and security measures for pro shop/crime exposures. Accounts with frequent large tournaments, amplified alcohol sales, significant spectator seating, or on-site lodging will require additional review and may be referred to specialty markets. Territories and Availability This program is available in the western U.S.: AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted coverage can be placed in some markets where carriers offer admitted paper; otherwise E&S placement is available through Colonial General’s carrier relationships (carriers vary by state and account characteristics). Why Work with Colonial General on Driving Range Accounts Specialized appetite for golf-related risks and ancillary operations. Access to both admitted and E&S markets depending on state and account profile. Ability to package property, liability, crime, and inland marine to reduce gaps in coverage for ranges and pro shops. Experienced underwriting and flexible excess/umbrella capacity for clients who need higher limits. Example scenarios: You might have a municipal driving range with rental bays, a small pro shop and minimal food service — this program can provide a cost-efficient package with liability and inland marine for carts. Or you may place a private country club that needs liquor liability and umbrella limits for large member events — excess capacity up to $25M is available. Submission Tips Include loss runs for the last 3–5 years, description of range operations (hours, seasonality), and details on alcohol service if present. Provide photos of the facility layout, hitting bays, cart storage/maintenance area, and any risk-control features (netting, fencing, signage). If available, include routine maintenance schedules for turf, irrigation/sprinklers, and golf cart inspection records. Frequently Asked Questions What types of driving range accounts are a good fit for this program?Public and private driving ranges, mini-golf facilities, and country clubs with typical range operations fit well. The program works best for locations without extensive lodging, minimal high-hazard attractions, and with documented maintenance and safety practices. What liability limits and excess options are available?Primary commercial general liability limits are available up to $3,000,000 occurrence and aggregate, and excess/umbrella limits can be placed up to $25,000,000 depending on the account and carrier availability. Are admitted policies available?Admitted options are available in some markets. Colonial General also places E&S coverage where admitted paper is not available or when the account requires more flexible terms. What information should I include with a submission?Provide a completed application, recent loss runs, description of operations (including alcohol service if any), photos of the range and carts, and any risk-control documentation such as maintenance schedules and employee training programs. Can you place liquor liability and pro shop crime coverage?Yes. Liquor liability can be included where needed, and crime coverage for inside/outside premises and safe burglary is available to protect pro shop cash and inventory. Need help placing an account? Connect with a market specialist.

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