I spoke to my State Farm agent a couple times today and am still waiting on written confirmation. The verbal explanation I have gotten is that I am covered at tournaments as long as I am an amateur (no LLC or guiding fee income). I have requested a certificate each year without problems and have had 2 claims covered in 15 years without problem or rate increase. I was cautioned that the underwriter must approve the coverage and each state could have slightly different policy forms so definitely talk to your agent and follow up in writing.