Golfmobiles--Loaned or Rented to Others

What Does GL Code 44072 Cover?

ISO GL class code 44072 covers businesses engaged in the loaning or renting of golfmobiles, commonly known as golf carts, to others. This class specifically applies to operations where golf carts are provided for use by customers, classifying the general liability exposures associated with their rental activities. It encompasses the risks arising from the use and operation of these vehicles by third parties.

Who Uses This Class Code?

Specific business types that fall under this code include dedicated golf cart rental companies, golf courses offering cart rentals, resorts and hotels providing golf carts for guest use, and event rental businesses that include golf carts in their offerings. Additionally, businesses that loan golf carts as a courtesy or part of a service package would also be classified here.

Common GL Claims for This Class

Common claims include bodily injury to renters or third parties due to accidents, property damage to other vehicles or structures caused by golf cart operation, and premises liability claims arising from the rental location itself.

Coverage Tips for Code 44072

• Verify Waiver and Release Forms: Ensure all renters sign comprehensive waiver and release of liability forms, explicitly outlining the risks of golf cart operation and indemnifying your business.
• Maintain Equipment Regularly: Implement a strict maintenance schedule for all golf carts to prevent mechanical failures that could lead to accidents and subsequent liability claims.
• Understand "Care, Custody, or Control" Exclusion: Be aware that your GL policy likely excludes damage to property in your "care, custody, or control," meaning damage to your own golf carts is not covered under GL. Consider separate property coverage.
• Review Rental Agreement Terms: Regularly review your rental agreements to ensure they clearly define renter responsibilities, prohibited uses, and insurance requirements for renters, especially regarding Florida's specific traffic laws for golf carts.