Overview — American Specialty's Independent Car Clubs Insurance
American Specialty Insurance & Risk Services (MGA) provides a program designed for insurance agents placing coverages for car clubs and their events. The program pairs program-specific forms and rates with in-house underwriting and claims services so you can offer comprehensive protection for both club operations and participants.
Ideal accounts and appetite
This program is a fit for independent agents with insureds that are:
- Volunteer-run or membership-based car clubs (local, regional or national)
- Organizers of static shows, cruise nights, rallies, parades, autocross and similar events
- Clubs that host social events, fundraisers and occasional track days
- Groups seeking participant accident coverage or liquor liability for hosted events
Not typically eligible: professional racing teams, permanent commercial racetracks hosting regular sanctioned professional racing, or promoters of large commercial festivals where operations exceed typical club event scope. Underwriting will review high-risk features such as paid professional drivers, commercial concessions, or non-club commercial promoters.
Coverage advantages for agents
- Program-specific forms and pricing: simplifies placement for routine club exposures.
- Admitted capacity where available, with in-house underwriting for faster turn times.
- Participant accident and catastrophic medical options that address event risks.
- Liquor liability and non-auditable policy options to simplify administration of social events.
- 24-hour claims service backed by in-house claims management to help control outcomes.
Underwriting notes & minimums
Underwriting evaluates each club by operations, event frequency, attendance, liquor exposure, participant activities, and loss history. Minimum premium and appetite vary by state and by the specific coverages requested. Minimum premium: Varies. Carriers: Varies. If an account has complex operations (regular track days, multiple paid vendors, or professional drivers), submit detailed questionnaires and event documents for review.
Territories and licensing
Available through American Specialty in these jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted coverage is available where the program carrier is admitted—availability and placement options will vary by state.
Why place this business with American Specialty
- MGA with niche experience placing sports- and recreation-related programs.
- In-house underwriting, risk management and claims teams focused on event and participant exposures.
- Program-specific forms and online resources that reduce placement friction for agents.
- Flexible limits and coverage modules to create a package appropriate to club size and activities.
Example placements
- You have a regional car club that hosts quarterly static shows and an annual cruise night with volunteer marshals — this program can combine general liability, liquor liability for the evening social, and participant accident coverage for drivers and volunteers.
- A local autocross club holding occasional timed events at a municipal lot needs participant legal liability and participant accident medical coverage — the program’s event-specific forms and non-auditable policy option streamline administration.
Frequently Asked Questions
What types of car club accounts are a good fit for this program?
The program fits membership-based clubs, local/regional organizations, and promoters of club-run events such as static shows, rallies, cruises, autocross and charity parades. It is designed for volunteer-run operations and occasional track or social events rather than full-time professional racing operations.
Which coverages can I package together for a club client?
Common packages include General Liability with Participant Legal Liability, Liquor Liability for social events, Participant Accident/Catastrophic Medical, Automobile for club-owned vehicles where needed, Property for club-owned equipment, and Excess/Umbrella follow-form limits. Workers’ compensation and crime can also be added where appropriate.
How does underwriting handle on-track events or timed driving activities?
Underwriting reviews the level of driver training, whether professional drivers are involved, safety controls, event supervision, and participant waivers. Recreational on-track events and sanctioned autocross typically qualify when safety protocols are documented; professional or commercial racing operations require a different placement.
Need help placing an account? Connect with a market specialist.