Golfing safety injuries and losses at golf facilities
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Golfing SafetyInjuries and Losses at Golf Facilities


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This program is only a tool to assist you in managing your responsibility to maintain safe premises, practices, operations and equipment, and is not for the benefit of any other party. The program does not cover all possible hazardous conditions or unsafe acts that may exist, and does not constitute legal advice. For decisions regarding use of the practices suggested by this program, follow the advice of your own legal counsel. St. Paul Travelers disclaims all forms of warranties whatsoever, without limitation. Implementation of any practices suggested by this program is at your sole discretion, and St. Paul Travelers or its subsidiaries and affiliates shall not be liable to any party for any damages whatsoever arising out of, or in connection with, the information provided or its use.


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The St. Paul Travelers’ responsibility to maintain safe premises, practices, operations and equipment, and is not for the benefit of any other party. The program does not cover all possible hazardous conditions or unsafe acts that may exist, and does not constitute legal advice. For decisions regarding use of the practices suggested by this program, follow the advice of your own legal counsel. St. Paul Travelers disclaims all forms of warranties whatsoever, without limitation. Implementation of any practices suggested by this program is at your sole discretion, and St. Paul Travelers or its subsidiaries and affiliates shall not be liable to any party for any damages whatsoever arising out of, or in connection with, the information provided or its use.Claims Study

  • General liability and property claims

  • Includes 21,00 claims between 1987 - 2004

  • 1,400 golf courses


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Property Claim Type % Total Claim Cost % Total Number of Claims___________________________________________________________________________________________________

Fire 40% 4%

Wind 23% 13%

Water damage 7% 8%

Theft 6% 26%

Lightning 6% 15%

Hail 4% 1%

Vandalism 4% 9%

Flood 2% 15%

General Liability Claim Type % Total Claim Cost % Total Number of Claims

___________________________________________________________________________________________________

Slip, trip of fall 42% 33%

Struck by object 18% 8%

Libel or slander 10% 4%

Ingestion or inhalation 2% 2%

Falling object or collapse 5% 4%

Vehicle related 2% 23%

Personal property of others 2% 10%


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A Closer Look at the Losses Claims

  • Fire – 21% of all claims, 1.2% of claim costs

  • Slips, Trips and Falls – 13.4% of claims, 14.5% of claim costs

  • Wind Damage – 15% of claims


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Prevention Tips Claims

Slips, Trips and Falls…

  • Develop a safety culture

  • Educate employees

  • Solicit feedback

  • Look towards prevention not reaction


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Prevention Tips Claims

Electrical Fires…

  • Have electrical evaluated by a competent electrician

  • Don’t overload circuits

  • Keep storage items away from electrical equipment


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Prevention Tips Claims

Alcohol Service…

  • Thoroughly screen applicants

  • Provide alcohol awareness training initially and then on a periodic basis

  • Include all employees that may come in contact with alcohol consumers in your awareness training

  • Treat all guests with respect


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Prevention Tips Claims

Lightning Safety…

  • Have a system in place for following weather developments

  • Have notification process in place

  • Designate safe areas for golfers

  • Consider adding UL-listed lightning protected shelters


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Prevention Tips Claims

Swimming Pools…

  • Install fence with self closing gate

  • Hire qualified lifeguards to supervise pool area

  • Require minors to be accompanied by adults

  • Maintain healthy pool water

  • Be sure water envelope is sufficient for any diving boards or slides


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Other Items to Consider Claims

  • Defibrillators

  • Adequate Pool Water Depth

  • Adjacent Property

  • Chemicals

  • Child Care


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Summary Claims

  • Slip, Trip and Fall prevention should be the primary focus on ongoing safety efforts

  • Property Protection program requires strict periodic inspections after a thorough initial evaluation of hazards and controls


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