kris.h Oct 16, 2014 2:48 PM
Looking for a market that will write Golf Carts for a commercial client in Florida. Client offers complimentary service to/from parking lots.Thank you for any replies!!
dcocking Oct 24, 2014 1:16 PM
Liability can be extended on their GL policy to cover this exposure.
C&Fins Oct 24, 2014 1:22 PM
Wrote my own golf cart insurance with State Farm. Not sure if they can do commercial operations but worth a shot.
USIbiz Oct 24, 2014 1:36 PM
She's correct, the GL will cover it unless it fits into the new FL low speed vehicle category outlined below. If they are not registered, the GL should be fine with it.
The 2014 Florida Statutes
Title XXIII
MOTOR VEHICLES Chapter 316
STATE UNIFORM TRAFFIC CONTROL View Entire Chapter
316.2122 Operation of a low-speed vehicle or mini truck on certain roadways.—The operation of a low-speed vehicle as defined in s. 320.01 or a mini truck as defined in s. 320.01 on any road is authorized with the following restrictions:
(1) A low-speed vehicle or mini truck may be operated only on streets where the posted speed limit is 35 miles per hour or less. This does not prohibit a low-speed vehicle or mini truck from crossing a road or street at an intersection where the road or street has a posted speed limit of more than 35 miles per hour.
(2) A low-speed vehicle must be equipped with headlamps, stop lamps, turn signal lamps, taillamps, reflex reflectors, parking brakes, rearview mirrors, windshields, seat belts, and vehicle identification numbers.
(3) A low-speed vehicle or mini truck must be registered and insured in accordance with s. 320.02 and titled pursuant to chapter 319.
(4) Any person operating a low-speed vehicle or mini truck must have in his or her possession a valid driver license.
(5) A county or municipality may prohibit the operation of low-speed vehicles or mini trucks on any road under its jurisdiction if the governing body of the county or municipality determines that such prohibition is necessary in the interest of safety.
(6) The Department of Transportation may prohibit the operation of low-speed vehicles or mini trucks on any road under its jurisdiction if it determines that such prohibition is necessary in the interest of safety.
The 2014 Florida Statutes
Title XXIII
MOTOR VEHICLES Chapter 316
STATE UNIFORM TRAFFIC CONTROL View Entire Chapter
316.2122 Operation of a low-speed vehicle or mini truck on certain roadways.—The operation of a low-speed vehicle as defined in s. 320.01 or a mini truck as defined in s. 320.01 on any road is authorized with the following restrictions:
(1) A low-speed vehicle or mini truck may be operated only on streets where the posted speed limit is 35 miles per hour or less. This does not prohibit a low-speed vehicle or mini truck from crossing a road or street at an intersection where the road or street has a posted speed limit of more than 35 miles per hour.
(2) A low-speed vehicle must be equipped with headlamps, stop lamps, turn signal lamps, taillamps, reflex reflectors, parking brakes, rearview mirrors, windshields, seat belts, and vehicle identification numbers.
(3) A low-speed vehicle or mini truck must be registered and insured in accordance with s. 320.02 and titled pursuant to chapter 319.
(4) Any person operating a low-speed vehicle or mini truck must have in his or her possession a valid driver license.
(5) A county or municipality may prohibit the operation of low-speed vehicles or mini trucks on any road under its jurisdiction if the governing body of the county or municipality determines that such prohibition is necessary in the interest of safety.
(6) The Department of Transportation may prohibit the operation of low-speed vehicles or mini trucks on any road under its jurisdiction if it determines that such prohibition is necessary in the interest of safety.
C&Fins Oct 24, 2014 2:12 PM
Having had my own golf cart written there is merit to it being included under a gl or homeowners policy, but remember there is physical damage to address as well. And if a commercial guy with a lot of golf carts at $10,000 or so a pop you need limits to cover that as well as the owner probably having loss payee on the carts.
USIbiz Oct 24, 2014 2:13 PM
Property insurer would normally cover, but the deductible on a large commercial account might prove challenging as the replacement cost is probably low.
C&Fins Oct 24, 2014 2:14 PM
Plus if loss payees they will not accept large deductible. We had several country clubs on commercial policies we did inland marine floaters for with lower deductible and scheduled them. And depending upon the property/gl carrier many have exclusions for as well.
