Umbrella insurance policy with golf cart
 

A colleague from another state was just informed by his current insurance carrier, travelers that they would be unable to write an umbrella policy because his golf cart has rear facing back seats. As many of you have such a cart I was wondering if you had ever run into a similar limitation?

No, find another carrier.

Whenever I have looked at umbrella policies, they only covered the same risks as the underlying homeowners or automotive insurance policies, but they increased the liability limits. Personally, I would only need additional liability coverage for automobile accidents. If you are comfortable with a $1 million limit on automotive liability, you can get that amount with a regular Allstate or State Farm auto policy. Many other auto companies have a maximum liability limit of $250K, which I think is inadequate. I have never found the extra cost for an umbrella policy to be worth the cost. I have $1 million in liability with my State Farm auto policy, and $500K with my Progressive homeowner's policy.

Dam, I’ve heard of being denied for things like having a trampoline, a diving board, or owning certain breeds of dogs like a pit bull, but that’s a new one. Apparently they have been hit with some expensive claims from clients owning that type of golf cart. Thinking about it, it’s not surprising based on some of the things I observed this winter involving those type of carts, which were accidents waiting to happen.

Yes, that happened to me with Travelers.

Was in the insurance industry for 40 years and new one to me. That exclusion will need to be in the policy. Personally I would not ride on a rear facing seat and very happy that sales person talked me out of this option

If you buy an umbrella policy, make sure that it includes additional risks (not fewer risks) that are not already covered in the underlying homeowner's and auto policies. In my opinion, if all it does is to increase the liability limits of these policies, you are wasting your money. What good will it do to buy a $3 million umbrella policy and you get sued for $10 million or $50 million? If you get sued, what you really need is a good lawyer. Otherwise, your umbrella policy will just make the plaintiff lawyers richer.

MOST COMMON
multi seat cart

the wifey had seatbelts
added before delivery
of her “Honey Buggy”
(she is not a golfer) …

… ALSO
learned that the carts
with forward facing rear
seats cost more to insure

:laugh::laugh:honey buggy

try Progressive

Rear facing golf cart
 

Pardon my ignorance, but why is that type of cart dangerous. Especially if you’re wearing a seat belt?
Thank you.

Travellers
 

Travelers denied Umbrella policy for us too. Don’t understand but they told me they write few Umbrella Policy and it’s because we have a trust. Just another excuse

I would agree. I do not like the rear facing seats! Especially on gas carts with their exhaust.

Umbrella Insurance
 

Yes, we could not get Traveller's policy due to rear facing 4 seater golf cart.

Thanks for the replies everyone.