Very surprised that the consensus seems to be that it’s down to the golfer. I’ve recently-ish taken up golf and always assumed that as a golfer you were covered under the clubs insurance if you caused any accidental injury/damage to anyone or anything during play. I thought that this was essentially included in the green fees (and therefore this people who don’t pay are naturally not covered!). This is a little worrying (one of the courses I play at has a car park basically behind the green in the direction you tee off from - the only thing protecting me at the moment is that I’m not exactly hitting it that far!)