Lightning Strikes a Caddy on the Golf Course: Who Is Responsible?

Lightning Strikes a Caddy on the Golf Course: Who Is Responsible?

Have you ever wondered, if an unexpected event like a "caddy being struck by lightning" occurs on a golf course, who is actually responsible? The golf course? The caddy? Or the golfer using the service?
Let's take a look at the legal facts and how to manage the risks.

1. Golf Course: Not an Employer

• They are not covered under labor law, Section 33.
• They do not receive social security benefits.

Thus, the golf course has no direct legal duty over the life or health of a caddy.

2. Caddy: Independent Contractor, Must Protect Themselves
Most caddies work as independent contractors.

• They pay a fee to the golf course, usually 20-30 THB per round.
• They earn income from the wages golfers pay through the course.

This means the caddy is responsible for their own risk.
Key advice: purchase Personal Accident (PA) insurance to protect life and income.

3. Golfer: Not an Employer, But Should Manage Risks
Even though golfers pay green fees and caddy wages, they are not considered employers. The relationship is similar to:

        Passenger Taxi or Motorcycle Driver

• Damage to third-party property
• Accidents to players (injury or death)
• Loss or damage to golf equipment
• Hole-in-One prize money (if applicable)

• Golf Course: Not the employer
• Caddy: Independent contractor, should have personal accident insurance
• Golfer: No legal obligation, but golf insurance is recommended for peace of mind

• Caddies: Purchase Personal Accident (PA) insurance
• Golfers: Purchase Golf Insurance covering life, property, and specific golf-related risks

This ensures that playing golf remains fun and safe, rather than a source of worry.