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Golfing Safety
Injuries and Losses at Golf Facilities
Risk Control
E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 1
© 2006 The St. Paul Travelers Companies, Inc. All rights reserved.
This program is only a tool to assist you in managing your responsibility to maintain safe
premises, practices, operations and equipment, and is not for the benefit of any other
party. The program does not cover all possible hazardous conditions or unsafe acts that
may exist, and does not constitute legal advice. For decisions regarding use of the
practices suggested by this program, follow the advice of your own legal counsel.
St. Paul Travelers disclaims all forms of warranties whatsoever, without limitation.
Implementation of any practices suggested by this program is at your sole discretion,
and St. Paul Travelers or its subsidiaries and affiliates shall not be liable to any party for
any damages whatsoever arising out of, or in connection with, the information provided
or its use.
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E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 2
Risk Control
© 2006 The St. Paul Travelers Companies, Inc. All rights reserved.
The St. Paul Travelers’
Claims Study
 General liability and property claims
 Includes 21,00 claims between 1987 - 2004
 1,400 golf courses
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E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 3
Risk Control
© 2006 The St. Paul Travelers Companies, Inc. All rights reserved.
Property Claim Type
% Total Claim Cost
% Total Number of Claims
___________________________________________________________________________________________________
Fire
40%
4%
Wind
23%
13%
Water damage
7%
8%
Theft
6%
26%
Lightning
6%
15%
Hail
4%
1%
Vandalism
4%
9%
Flood
2%
15%
General Liability Claim Type
% Total Claim Cost
% Total Number of Claims
___________________________________________________________________________________________________
Slip, trip of fall
42%
33%
Struck by object
18%
8%
Libel or slander
10%
4%
Ingestion or inhalation
2%
2%
Falling object or collapse
5%
4%
Vehicle related
2%
23%
Personal property of others
2%
10%
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E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 4
Risk Control
© 2006 The St. Paul Travelers Companies, Inc. All rights reserved.
A Closer Look at the Losses
 Fire – 21% of all claims, 1.2% of claim costs
 Slips, Trips and Falls – 13.4% of claims,
14.5% of claim costs
 Wind Damage – 15% of claims
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E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 5
Risk Control
© 2006 The St. Paul Travelers Companies, Inc. All rights reserved.
Prevention Tips
Slips, Trips and Falls…
• Develop a safety culture
• Educate employees
• Solicit feedback
• Look towards prevention not reaction
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E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 6
Risk Control
© 2006 The St. Paul Travelers Companies, Inc. All rights reserved.
Prevention Tips
Electrical Fires…
• Have electrical evaluated by a competent
•
•
electrician
Don’t overload circuits
Keep storage items away from electrical
equipment
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E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 7
Risk Control
© 2006 The St. Paul Travelers Companies, Inc. All rights reserved.
Prevention Tips
Alcohol Service…
• Thoroughly screen applicants
• Provide alcohol awareness training initially and
•
•
then on a periodic basis
Include all employees that may come in contact
with alcohol consumers in your awareness
training
Treat all guests with respect
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E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 8
Risk Control
© 2006 The St. Paul Travelers Companies, Inc. All rights reserved.
Prevention Tips
Lightning Safety…
• Have a system in place for following weather
•
•
•
developments
Have notification process in place
Designate safe areas for golfers
Consider adding UL-listed lightning protected
shelters
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E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 9
Risk Control
© 2006 The St. Paul Travelers Companies, Inc. All rights reserved.
Prevention Tips
Swimming Pools…
• Install fence with self closing gate
• Hire qualified lifeguards to supervise pool
•
•
•
area
Require minors to be accompanied by adults
Maintain healthy pool water
Be sure water envelope is sufficient for any
diving boards or slides
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E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 10
Risk Control
© 2006 The St. Paul Travelers Companies, Inc. All rights reserved.
Other Items to Consider
• Defibrillators
• Adequate Pool Water Depth
• Adjacent Property
• Chemicals
• Child Care
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E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 11
Risk Control
© 2006 The St. Paul Travelers Companies, Inc. All rights reserved.
Summary
 Slip, Trip and Fall prevention should be the
primary focus on ongoing safety efforts
 Property Protection program requires strict
periodic inspections after a thorough initial
evaluation of hazards and controls
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E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 12
Risk Control
© 2006 The St. Paul Travelers Companies, Inc. All rights reserved.