Old White Charities, which operates the Greenbrier Classic golf tournament on the Professional Golfers’ Association tour to raise funds for charitable purposes, ran a promotional contest for the 2015 event to give a cash gift to anyone in the stands at the time a golfer shot a hole-in-one on the 18 th hole. It engaged an insurance broker to obtain insurance to cover any payout that might be necessary if someone actually shot a hole-in-one. The broker completed an application on Old White’s behalf with a provision that the hole had to be at least 150 yards long for the hole-in-one to be covered. It added an addendum that the hole usually played an average of 175 yards, but that Old White had...