American Specialty — Motorsports Associations Insurance
American Specialty Insurance & Risk Services offers a specialized Motorsports Associations Insurance program designed for organizations that run events, sanction races, operate tracks, and support motorsports membership activities year-round. This program is written through experienced markets and delivered by an MGA with in-house underwriting, claims, risk management, and policy administration to help you place motorsports risks efficiently.
Eligible operations
Typical classes we place include:
- Sanctioning bodies and sanctioning organizations
- Super speedways, short-track ovals, and road courses
- Independent car clubs and race teams
- Karting facilities and driving schools
- Special events tied to motorsports (club meets, charity races)
Coverage highlights and advantages
- Comprehensive General Liability with participant legal liability extensions
- Automobile and excess/umbrella capacity
- Property, Liquor Liability, Crime, and Workers’ Compensation options
- Participant Accident Medical and Catastrophic Medical coverage
- Employee Benefits Liability and Deductible / SIR options
- Program-specific forms and rating — not a generic manuscript
- Admitted coverage where available; 24-hour claims service and in-house claims handling
Why agents use this program
This program is built for brokers who need market access for motorsports-related accounts that require tailored forms and experienced handling. American Specialty’s team provides nimble underwriting decisions and program-level tools so you can quote and bind faster. Carriers vary by account to match capacity with exposure, and the MGA manages policy servicing centrally.
Underwriting appetite and typical fit
Good-fit accounts generally have organized safety protocols, club or track-managed events, clear participant waivers where applicable, and vintage or purpose-built competition environments. The program prefers established operations over high-frequency, high-hazard amateur events without documented safety controls.
Commonly acceptable: licensed tracks, incorporated sanctioning bodies, established driving schools, sanctioned kart facilities, and race teams with experienced crew and safety plans. Generally less suited: informal neighborhood racing, unregulated drift events, or operations with poor loss control and no safety oversight.
Underwriting notes & minimums
Underwriting focuses on safety management, event frequency, participant screening, and onsite emergency plans. Minimum premiums and available limits vary by state and carrier; provide complete submission materials (operations description, recent loss runs, safety procedures, membership size, and event schedules) for accurate quoting.
Territories & admitted status
Admitted coverage is available where permitted; program availability includes the following states:
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.
Example scenarios
- You have a client that runs a sanctioned short-track oval with seasonal races and club events — the program can combine liability, auto, and participant accident coverage with a deductible structure that fits the club’s budget.
- A regional driving school wants auto liability for instructor vehicles, participant accident coverage, and property protection for its paddock and garages — the program’s tailored forms and admitted placements simplify placement and claims handling.
Why work with American Specialty on motorsports business
As an MGA focused on motorsports associations, American Specialty brings program-specific forms, underwriting expertise, and centralized services to keep submissions moving and policies administered cleanly. Carrier relationships are selected per-risk to secure appropriate capacity and admitted options where available.
Carriers: Varies by risk. Type of provider: Managing General Underwriter. Minimum premium: Varies by account.