Get a Quote for Golf cart sales and service businesses Insurance in Florida
Florida is the undisputed capital of the golf cart world. From the sprawling paths of The Villages to the coastal streets of Jupiter and the bustling shops in North Port, golf carts and Low-Speed Vehicles (LSVs) are a way of life. If you run a golf cart sales and service business in Florida, you aren’t just selling “toys”—you are providing essential transportation and maintenance for thousands of residents.
However, operating in this niche industry brings specific risks that standard small business insurance often misses. At AA Insurance Consultants, we understand the unique landscape of the Florida market. Whether you’re dealing with showroom traffic, high-value inventory, or complex repairs, having the right protection is the key to longevity.
What kind of liability insurance does a Florida golf cart business need?
For most businesses in the automotive or cart industry, a basic General Liability policy is only the beginning. Most golf cart sales and service businesses in Florida require Garage Liability Insurance.
While General Liability covers standard “slip and fall” accidents in your showroom, Garage Liability is a specialized hybrid. It combines general liability with protection for the specific operations of a garage or dealership. This is critical because it covers bodily injury or property damage caused by an accident involving a vehicle used in your business operations—such as an employee moving a cart across the lot or a customer taking one for a test drive.
What is Garagekeepers Insurance and why is it necessary?
If you provide maintenance or repairs, you regularly have “care, custody, and control” of your customers’ property. This creates a significant liability gap. Garagekeepers Insurance is designed to protect your business if a customer’s golf cart is damaged while it is at your shop for service.
- Fire and Weather: Protection if a shop fire or a Florida hurricane damages carts in your bay.
- Theft and Vandalism: Coverage if a customer’s cart is stolen from your lot or vandalized overnight.
- Accidental Damage: If a technician accidentally clips a door frame while pulling a cart into the service area.
Without this coverage, your business could be held personally responsible for the replacement cost of a high-end lithium-ion cart, which can easily exceed $15,000.
Do I need special coverage for “Street Legal” LSVs?
Yes. In Florida, there is a distinct legal difference between a standard golf cart (max 20 mph) and a Low-Speed Vehicle (LSV). Per Florida Statutes, LSVs must be titled, registered, and insured with a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL).
As a dealer, you need Dealers Open Lot (DOL) insurance (also known as Dealers Physical Damage). This covers your entire inventory of new and used carts against physical damage. Given Florida’s reputation for sudden hailstorms and high winds, protecting your “open lot” inventory from weather-related losses is one of the smartest investments you can make.
Secure Your Business with AA Insurance Consultants
The golf cart industry in the Sunshine State is growing fast, but a single uninsured claim—like a fire in the charging bay or a test-drive accident—can put your hard work at risk. At AA Insurance Consultants, we specialize in the Florida market and know exactly how to bridge the gaps in your coverage. We help you find a policy that satisfies Florida’s strict LSV requirements while keeping your overhead manageable.
Getting a tailored quote for your golf cart sales and service business in Florida is simple and fast. Whether you are expanding to a new location or just want to make sure your current shop is fully protected, our team is ready to help. To get started, please reach out to our specialists today or submit our online form with your business details to receive a customized insurance proposal.
