Motorsports Race Tracks Insurance Program from American Specialty
Motorsports venues offer thrilling entertainment and unique challenges—both on the track and in the risk management office. With high-speed action comes high-stakes exposure, and that’s where American Specialty Insurance & Risk Services steps in. Our Motorsports Race Tracks Insurance Program is tailored specifically for facilities and organizations involved in competitive and recreational motorsports. From drag strips to road courses and kart circuits, we provide coverage solutions that meet the distinct needs of this niche industry.
Eligible Operations for Motorsports Race Tracks Insurance
Super Speedways
Short-Track Ovals
Independent Car Clubs
Road Courses
Kart Racing
Driving Schools
Drag Racing
Racing Associations
Motorsports Events
Program Highlights
“Excellent” or higher A.M. Best rated carrier
Admitted coverage available
Program-specific forms and rates
Non-auditable policy structure
24-hour claims service
In-house underwriting and claims management
Dedicated risk management team
Online tools and support resources
Coverage Options
General Liability
Participant Legal Liability
Excess/Umbrella Liability
Liquor Liability
Automobile
Property
Crime
Employee Benefits Liability
Participant Accident Medical
Catastrophic Medical Coverage
Workers’ Compensation
Deductible and SIR Options
Ideal Accounts and Appetite
This program is designed for motorsports venues and organizations of various sizes and structures. Whether your client operates a large super speedway attracting national events or a local karting facility with weekly races, we can provide tailored insurance solutions. Examples of strong fits include:
- A short-track oval that hosts regional racing series and operates a driving school during the week.
- A private car club that organizes track days and time trials for members.
We are also well-positioned to handle accounts with liquor exposures, participant liability concerns, and complex property risks.
Territories and Availability
The Motorsports Race Tracks Insurance Program is available in all 50 states, including DC. Coverage is offered on an admitted basis where applicable, giving your clients added confidence and compliance benefits.
Why Choose American Specialty?
As a Managing General Underwriter with deep expertise in motorsports and event risk, American Specialty delivers more than just coverage—we deliver confidence. Our in-house underwriting, claims, and risk management teams are dedicated to this niche, allowing us to respond quickly and knowledgeably to your submissions. Whether you're placing a new track or managing renewals for a complex event schedule, we provide the support and tools you need to succeed.
Underwriting Notes
Minimum premiums and carrier selection vary based on the specific operation and risk profile. We offer flexible deductible and self-insured retention options to meet a wide range of client needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Motorsports venues such as super speedways, oval tracks, karting facilities, drag strips, road courses, and driving schools are ideal candidates. We also cover independent car clubs and racing associations.
Is participant legal liability included in the program?
Yes, participant legal liability is one of the core coverages offered in this specialized program.
Are programs available in all states?
Yes, this program is available nationwide, including all 50 states and Washington, DC.
Does the program offer admitted coverage?
Yes, admitted coverage is available depending on the risk and jurisdiction.
What support does American Specialty provide to agents?
We offer in-house underwriting, claims management, and risk management services, along with 24-hour claims reporting and online resources to assist agents throughout the policy lifecycle.
Need help placing an account? Connect with a market specialist.