Dog racing fans love the excitement and energy that dog tracks provide. American Specialty Insurance & Risk Services understands the unique risks associated with these venues and offers a tailored Dog Tracks Insurance program designed to help safeguard your clients’ operations so the entertainment can continue uninterrupted.
Editor's note: As of 2025, the only states with active greyhound racing tracks are Alabama, Arkansas, Iowa, Texas, and West Virginia. Four other states — Wisconsin, Connecticut, Kansas, and Oregon — still allow greyhound racing by law but currently have no active tracks.
Eligible Operations for Dog Tracks Insurance
Greyhound Tracks
Simulcast Facilities
Thoroughbred Tracks
Racino Facilities
Special Events
Harness Tracks
OTB (Off-Track Betting) Facilities
Combo Tracks
Quarter Horse Tracks
Program Highlights for Dog Tracks Insurance
“Excellent” or Higher A.M. Best Rated Carrier
Admitted Coverage in Available States
Program-Specific Forms and Rates
Non-Auditable Policy Options
24-Hour Claims Service
In-House Underwriting, Claims, Risk Management, and Policy Administration
Online Resources & Tools for Risk Mitigation
Program Coverages for Dog Tracks Insurance
General Liability
Participant Legal Liability
Horse Legal Liability
Dog Legal Liability
Excess/Umbrella Liability
Liquor Liability
Automobile Coverage
Property Coverage
Crime Insurance
Employee Benefits Liability
Workers Compensation
Deductible/SIR Options
Ideal Accounts and Appetite
American Specialty is looking to partner with agents who serve dog tracks and related racing or wagering facilities. This program is built for operations with active racing and spectator exposure, such as:
- Greyhound and dog racing tracks
- Simulcast or OTB facilities
- Combined tracks offering multiple animal racing events
- Racino operations with both racing and casino elements
- Special events involving competitive or exhibition dog racing
Facilities with well-defined risk management protocols and established operations are a strong fit for this program.
Underwriting Notes and Minimum Premiums
Minimum premium varies based on operation type, size, and exposures. The program offers flexible deductible and self-insured retention (SIR) options, with non-auditable policies available to better match seasonal or event-based activities. In-house underwriting allows for efficient turnaround and tailored solutions.
Territories and Availability
This program is available in all states where dog racing is currently active or legally permitted. Primary availability includes Alabama, Arkansas, Iowa, Texas, and West Virginia. American Specialty offers admitted coverage in all available states and can evaluate other racing-related opportunities on a case-by-case basis.
Why Work With American Specialty
As a Managing General Underwriter with deep expertise in sports, entertainment, and specialty risks, American Specialty brings focused underwriting, responsive service, and an understanding of the unique challenges faced by dog tracks and betting venues. With in-house underwriting, claims, and risk management teams, agents can expect fast, knowledgeable service from quote to claim.
Whether your client operates a year-round greyhound track in West Virginia or a seasonal simulcast facility in Iowa, American Specialty can provide the coverage and support needed to keep the entertainment going and the liabilities in check.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include greyhound tracks, simulcast and OTB facilities, racinos, and other venues offering live or broadcast dog racing events.
Is this program available in all states?
No. The program is primarily available in Alabama, Arkansas, Iowa, Texas, and West Virginia—states where greyhound racing is still active. Other states may be considered based on legal status and operation type.
Are both dog and horse racing facilities eligible?
Yes. The program covers a variety of racing venues, including those offering dog, horse, harness, and quarter horse racing, as well as combined or special event tracks.
What kind of coverages are included?
Coverages include General Liability, Dog Legal Liability, Excess/Umbrella, Liquor Liability, Property, Workers Compensation, and more. Participant and Animal Legal Liability are also included where applicable.
What carrier backs this program?
This program is placed with an “Excellent” or higher A.M. Best rated carrier. Carrier selection may vary depending on the account.
Need help placing an account? Connect with a market specialist.