If I hit you with golf ball can I be sued?

Can I be sued if I "bean" Tiger Woods?

You can be sued if you hit and injured Tiger Woods on the golf course. The good news is that if you have a home, condo or tenant's policy then you have coverage in your "Homeowner" policy under the liability section.

How does this insurance work? For this coverage to "trigger" you must have shown negligence in some way.

What is negligence?

  • Examples include: Poorly maintained carpeting on stairs that caused somebody to trip or if you spilled a hot cup of coffee on their lap, etc.

This coverage applies whether you are at home or away from home.

  • Examples include: At a golf course, you drive the ball into a group of golfers that are too close. Another situation could be that you do not put your clubs away properly and someone trips and breaks a leg.

Remember, to determine negligence there must be a duty of care owed (you must keep people safe). Secondly, there must have been an injury of some sort. Lastly, a person has to complain that they were injured - now your "Homeowner" policy is likely to be triggered, and the start of defense and possibly a claim payout.

How does a claim work when you are sued for an injury?

The claims adjuster will review your policy to see if there is a limitation or exclusion preventing the insurer from acting on your behalf. For example, if your action has been deliberate or criminal in nature, then your policy will not respond to a claim.

There is a section under the "Voluntary Liability", that will respond to a small claim where the requirements of proof are not as strong. An example, would be your guest trips over a cord resulting in an injury - the cord is not truly a hazard such as poorly maintained carpeting or a loose railing.

Insurance advice

It is best to talk to your broker or agent if you think that you may be involved in a claim. Often the best defense, hinges on prompt investigation of the circumstances. Get some free advice from your agent or broker as to what financial protection you have purchased.