1. Risk Control © 2006 The St. Paul Travelers Companies, Inc. All rights reserved. E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 1 Golfing Safety Injuries and Losses at Golf Facilities

2. Risk Control © 2006 The St. Paul Travelers Companies, Inc. All rights reserved. E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 2 2 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.

3. Risk Control © 2006 The St. Paul Travelers Companies, Inc. All rights reserved. E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 3 3 The St. Paul Travelers’ Claims Study General liability and property claims Includes 21,00 claims between 1987 - 2004 1,400 golf courses

4. Risk Control © 2006 The St. Paul Travelers Companies, Inc. All rights reserved. E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 4 4 Property Claim Type% Total Claim Cost% Total Number of Claims ___________________________________________________________________________________________________ Fire40%4% Wind23%13% Water damage7%8% Theft6%26% Lightning6%15% Hail4%1% Vandalism4%9% Flood2%15% General Liability Claim Type% Total Claim Cost% Total Number of Claims ___________________________________________________________________________________________________ Slip, trip of fall42%33% Struck by object18%8% Libel or slander10%4% Ingestion or inhalation2%2% Falling object or collapse5%4% Vehicle related2%23% Personal property of others2%10%

5. Risk Control © 2006 The St. Paul Travelers Companies, Inc. All rights reserved. E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 5 5 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

6. Risk Control © 2006 The St. Paul Travelers Companies, Inc. All rights reserved. E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 6 6 Prevention Tips Slips, Trips and Falls… Develop a safety culture Educate employees Solicit feedback Look towards prevention not reaction

7. Risk Control © 2006 The St. Paul Travelers Companies, Inc. All rights reserved. E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 7 7 Prevention Tips Electrical Fires… Have electrical evaluated by a competent electrician Don’t overload circuits Keep storage items away from electrical equipment

8. Risk Control © 2006 The St. Paul Travelers Companies, Inc. All rights reserved. E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 8 8 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

9. Risk Control © 2006 The St. Paul Travelers Companies, Inc. All rights reserved. E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 9 9 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

10. Risk Control © 2006 The St. Paul Travelers Companies, Inc. All rights reserved. E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 10 10 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

11. Risk Control © 2006 The St. Paul Travelers Companies, Inc. All rights reserved. E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 11 11 Other Items to Consider Defibrillators Adequate Pool Water Depth Adjacent Property Chemicals Child Care

12. Risk Control © 2006 The St. Paul Travelers Companies, Inc. All rights reserved. E:/2005/PRODUCT SAFETY & LIABILITY/TEMPLATE.PPT 12 12 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