@Michael10075 Great question. IDK. But for your STR liability coverage, are you certain the exclusion language would expressly exclude an LSV? No doubt the carrier would fight it. But for me, I had no choice but to take commercial coverage for STR (age of buildings & roofs kept me from approval for non-commercial) and they gave me a large list of requirements I'm obliged to (pool depth markers, etc) but the liability coverage itself is actually super strong. FWIW, it's Lloyd's of London.
Now, the premiums are also obscene, to the point my whole enterprise almost isn't worth it. They've swallowed most of my margin. So for you, $9k for a golf cart is insane. But it's liability. So I wonder if you could just find sufficient liability coverage elsewhere. Like do you have an LLC? There may be no tenable way of securing fully satisficient coverage but maybe with your LLC you could just accept some modest liability exposure and offer the carts. Sounds like the market competitiveness is based on offering the carts, and I'm betting most listings aren't actually insured for this, else I'd expect there to be some simpler answers. Anyway, just some thoughts.
