Overview of the Motorsports Driving Schools Insurance Program
American Specialty Insurance & Risk Services offers a specialized Motorsports Driving Schools Insurance program designed to meet the complex needs of motorsports training facilities and related operations. Whether your clients operate high-performance driving schools, manage racing events, or oversee race team operations, this program offers comprehensive coverage options supported by in-house underwriting and claims expertise.
Ideal Accounts and Eligible Operations
This program is built for a wide range of motorsports-related entities. Ideal accounts include:
- Closed-Course Driving Schools and Facilities
- Race Teams and Racing Associations
- Sanctioning Bodies and Event Organizers
- Experiential and Performance Driving Schools
- Independent Car Clubs and Club Events
- Super Speedways and Multi-use Racing Facilities
If you have clients who run performance driving experiences or host amateur racing events, this program can be a strong fit for their insurance needs.
Program Highlights and Coverage Features
American Specialty’s Motorsports Driving Schools Insurance program is supported by an “Excellent” or higher rated A.M. Best carrier and includes a full suite of coverages and services tailored to the motorsports industry:
- Admitted Coverage Available
- Program-Specific Forms and Rates
- Non-Auditable Policy Structure
- 24-Hour Claims Service
- In-House Underwriting, Claims, Risk Management, and Policy Administration
- Online Resources and Tools for Easy Program Access
Available Coverages Include:
- General Liability
- Participant Legal Liability
- Excess/Umbrella Liability
- Liquor Liability
- Automobile and Property Coverage
- Crime and Employee Benefits Liability
- Participant Accident Medical & Catastrophic Medical
- Workers Compensation
- Deductible and SIR Options
Underwriting Insights and Minimum Premiums
Minimum premiums vary depending on the size and scope of each operation. American Specialty underwrites each risk in-house, allowing for quick turnaround and informed decision-making. The program is designed to handle both large and small-scale motorsports accounts, with flexibility to adjust coverage terms as needed.
Territories and Availability
This program is available in all 50 states, plus Washington D.C. Agents nationwide can access this market to serve clients in any U.S. location where motorsports activities are held or operated.
Why Work With American Specialty
As a Managing General Underwriter with deep expertise in motorsports and entertainment risks, American Specialty Insurance & Risk Services brings a unique, hands-on approach to each submission. With dedicated in-house teams for underwriting, claims, and risk management, brokers gain a responsive partner who understands the fast-paced and high-risk nature of the motorsports industry.
You can rely on American Specialty to deliver tailored solutions for complex accounts—whether you're placing a regional driving school or a national racing association with multiple events.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include driving schools, race teams, sanctioning bodies, car clubs, racing facilities, and experiential motorsports training operations.
Is this program admitted or non-admitted?
This program offers admitted coverage options and is supported by a carrier rated “Excellent” or better by A.M. Best.
What coverages are included in this motorsports insurance program?
Available coverages include general liability, participant legal liability, auto, property, excess/umbrella, workers compensation, accident medical, and more.
Which states is this program available in?
The program is available in all 50 states and Washington D.C., making it accessible for agents nationwide.
Who underwrites and manages this program?
All underwriting, claims handling, and policy administration are managed in-house by American Specialty Insurance & Risk Services.
Need help placing an account? Connect with a market specialist.