You might require the renters to furnish you with a policy covering themselves and you as an "additionally insured", similar to what is done for leased cars and equipment. You would have contact your insurance agent to determine that such an underwriting can be made for golf carts. You already should have a landlord's policy or rider on your home if you are renting it out.
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All of us could take a lesson from the weather. It pays no attention to criticism.
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