When you step onto a golf course you are entering an arena where multiple projectiles are repeatedly being fired in all directions. You then proceed to fire projectiles, probably in multiple directions, with several people, houses, and cars in the near vicinity. You will do this for a period of four hours before retiring to the clubhouse for a drink, leaving thousands of dollars of equipment sitting, unlocked, by the back door.
It would be reckless to undertake such activity without suitable insurance, yet most golfers are not sufficiently covered against damage, accident, or injury when they take to the fairways. We golfers like to think we are special, but I am afraid, like it or not, we too need to be insured.
Society is becoming more litigious, as extensive advertising confirms and perpetuates. People are increasingly aware of the possibility of seeking compensation through Court and a growing number follow that route. The most compelling reason for taking out specific golf insurance is against personal liability.