What golfers insurance covers in Australia includes three main areas, personal liability, personal accident and equipment, plus extras. Personal public liability covers you if your golf ball injures person, such as hitting another player, spectator or passer-by, or damages property like car, window, house, with cover $10M to $20M for legal defence and compensation, essential because golf ball can cause serious injury and claims can be $50K to $500K. Personal accident covers you if you are injured while playing golf, such as being hit by ball, slipping on course or having heart attack, paying medical expenses $5K to $10K, loss of income and death benefit $50K to $100K. Equipment cover covers your golf clubs, bag, buggy, trolley and range finder against theft from car, clubhouse or home, accidental damage like snapping driver, and loss, up to $2K to $10K sum insured, with excess $100. Additional covers include hole-in-one cover paying for bar expenses $200 to $500 if you get hole-in-one in competition, tournament fee reimbursement if you cannot play due to illness, and travel cover for golf trips overseas covering equipment and liability. For golf clubs, it covers public liability for events, property for clubhouse and professional indemnity for coaches if coaching advice causes injury. So golfers insurance covers liability if you injure or damage, accident if you injured, and equipment theft and damage.
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