Golfer's liability insurance - worth looking into.
Who is responsible if my errant golf ball strikes another individual? Your homeowners policy may offer you some needed protection. The liability portion of the homeowners policy will pay for any injury if the golfer who struck the ball has been determined to be legally liable. To be held legally liable, the injured person must prove that you failed to exercise ordinary care. In most cases if you yelled out a timely warning for a wayward shot, you would be considered to have given adequate care. Yelling fore may be a very timely action to practice.