What is Race Equipment Off-Track and Storage?
Race Equipment Off-Track and Storage coverage protects race cars, trailers, spare parts, and specialty tools while they are stored away from the primary racing facility — for example in a commercial storage unit, private garage, or transport trailer. This coverage is focused on property coverage and equipment coverage exposures that occur when vehicles and gear are not actively competing on track.
Who needs it
Teams, independent owners, shops, clubs and event organizers commonly purchase this coverage. Small race shops, traveling teams and hospitality sponsors that transport cars between events often want protection for assets while they are in transit or held off-site. For race teams and garages that also handle customer work, this policy complements broader commercial liability and participant accident coverage. If you manage stored inventory, consider whether your primary garage policy covers off-site storage or if a specific Off-Track and Storage endorsement is needed; resources like Race Teams and Shops Insurance can help clarify typical program elements.
What it typically covers
Typical coverages include:
- Physical damage to vehicles and trailers while in storage or transit
- Loss or damage to tools, spares and specialized equipment
- Limited theft or vandalism protection at approved storage locations
- Optional coverage extensions for commercial auto exposure during transport
Many programs also coordinate with broader policies like commercial liability and event liability so that property and third-party exposures are managed together. For tailored versions designed for offsite storage and logistics, see examples such as the Off Course and Storage Program.
Common exclusions or limitations
Common exclusions include wear and tear, mechanical breakdown, damage from improper storage, and unexplained loss. High-value or custom components may be subject to sublimits or require scheduled-item endorsements. Policies often restrict coverage to approved storage locations or require specific security measures for units and trailers.
Factors that influence cost
Underwriting factors include the total value of stored equipment, type of storage facility (climate controlled vs. open yard), security measures, frequency of transport, and previous loss history. Higher limits, broader transit coverage, and low deductibles will increase premium. Risk management steps such as locked containers, inventory records and secure parking can improve terms.
Proof of insurance & compliance
Promoters, track operators and storage facilities may require certificates of insurance and additional insured endorsements to allow access or on-site work. Confirm certificate requirements before moving equipment off-site and keep current inventories documented to speed claims handling.
How to get a quote
To compare options, gather a list of stored assets, values, typical locations and transport details. Discuss coverages with your broker or Motorsport Racing Owner and Sponsor Liability Insurance provider if you also need combined liability and property programs. If you prefer a direct start, talk to your agent to request a quote and review policy limits and exclusions.
Risk scenario: a trailer hit by a passing vehicle while en route to a prep shop could damage multiple cars, creating both repair costs and downtime — transit protection and commercial auto exposure limits matter in that case.
Frequently Asked Questions
Do standard garage policies cover off-site storage?
Some garage or shop policies include limited off-site coverage, but many require endorsements or separate storage programs for full protection. Check policy language for territory and storage limits.
Can I insure individual high-value parts separately?
Yes. Scheduled-item endorsements allow you to insure specific vehicles or components at agreed values, often with higher limits and fewer sublimits than a blanket policy.
Is transit automatically included?
Not always. Transit coverage is sometimes optional or limited to certain types of transportation. Confirm whether coverage applies during transport between the track, shop and storage locations.
Still have questions? Talk to a local insurance expert.