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Hole In One Insurance News - Foresite Sports

Monday, February 11, 2008

Hole In One Contest at Driving Range?

At Foresite Sports, we're frequently asked whether hole in one insurance can be purchased for contests taking place at driving ranges. While the concept of giving every golfer who strolls by a chance to win a hole in one prize sounds like a great idea, unfortunately our underwriter prohibits us from providing that kind of coverage.

The problem lies in the accounting of all those golfers. Unlike standard hole in one contests that take place during outings or tournaments, there is no way to know ahead of time how many golfers will be participating in the contest. Without this knowledge, it is impossible to properly quantify the risk involved in covering the contest and thus an accurate coverage cannot be provided.

Furthermore, a great number of driving ranges do not set up their ranges in a way that really replicates a true golf course green. Some have larger than normal cups, some do not mow the area around the flags as closely as a real green, and other don't even have holes at all. Since the concept of hole in one coverage is predicated on someone making a hole in one under conditions found during the normal course of play (i.e. while playing 18 holes), running a hole in one contest under conditions not found at an average golf course is simply not something that we can accommodate.

Should you have any further questions regarding this answer, please don't hesitate to give us a call and speak to one of our tournament consultants.