Quote:
Originally Posted by Indydealmaker
There is no way that legit golf cart rental companies are running bare without liability coverage.
That being said, the renters are dependent upon their homeowners for liability coverage.
I can't believe that the rental firms would not offer policies similar to car rental companies.
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Businesses engaged in renting motor vehicles are not liable for negligent acts of the renter so there is no need for them to get liability policies. The last paragraph in this link summarizes it nicely.
You HO policy will not provide coverage for you on a rented golf cart. However, if you owned and insured your own golf cart, you could get "non owned" liability coverage just like you would if your auto policy provided coverage to you on a rented car.
Florida Supreme Court Rules No Vicarious Liability for Businesses that Rent or Lease Vehicles | Rumberger Kirk & Caldwell - Florida Law Firm