Dog racing venues deliver high-energy entertainment—and they carry unique exposures. American Specialty Insurance & Risk Services offers a dedicated Dog Tracks Insurance program designed to help agents place coverage for tracks, simulcast and betting facilities, racinos, and related operations so events can continue with appropriate protection and responsive service.
Editor's note: As of 2025, the only states with active greyhound racing tracks are Alabama, Arkansas, Iowa, Texas, and West Virginia. Four other states — Wisconsin, Connecticut, Kansas, and Oregon — still allow greyhound racing by law but currently have no active tracks.
Eligible Operations for Dog Tracks Insurance
Ideal Accounts and Appetite
American Specialty partners with agents who place dog tracks and related racing or wagering facilities. The program is focused on operations with active racing and spectator exposure, including:
- Greyhound and other dog racing tracks
- Simulcast or OTB facilities
- Combined tracks offering multiple animal racing events
- Racino operations with both racing and casino elements
- Special events involving competitive or exhibition dog racing
Facilities with documented risk management protocols, security plans, and established operating procedures are the best fit.
Underwriting Notes and Minimum Premiums
Minimum premium varies by operation type, size, and exposure. The program offers flexible deductible and self-insured retention (SIR) structures and non-auditable policies to align with seasonal schedules and event-driven revenue. In-house underwriting enables faster responses and tailored terms for complex track risk.
Territories and Availability
This program is available in states where dog racing is active or legally allowed, with primary availability in Alabama, Arkansas, Iowa, Texas, and West Virginia. American Specialty provides admitted coverage in available states and evaluates other racing-related opportunities on a case-by-case basis.
Why Work With American Specialty
As a Managing General Underwriter with specialty experience in sports, entertainment, and wagering risks, American Specialty offers focused underwriting, responsive service, and claims expertise tailored to track operations. Agents receive direct access to underwriting, risk management support, and policy administration under one roof—helping accelerate placements and claims resolution.
Example fits: You might have a year-round greyhound track in West Virginia seeking combined general liability, liquor liability, and property coverage, or a seasonal simulcast/OTB facility in Iowa that needs non-auditable policies and flexible SIR options. Both are well within the program’s appetite when supported by standard safety and security controls.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Good fits include active greyhound tracks, simulcast/OTB facilities, racinos, and combined racing venues with spectator exposure. Facilities should have established operations and risk controls.
Is this program available in all states?
No. Primary availability is in Alabama, Arkansas, Iowa, Texas, and West Virginia where racing remains active. Other states may be considered depending on legal status and the specific operation.
Are both dog and horse racing facilities eligible?
Yes. The program can cover dog tracks as well as horse, harness, and quarter horse racing venues, including combined operations and special events.
What coverages are included?
Available coverages include General Liability, Participant and Animal Legal Liability, Excess/Umbrella, Liquor Liability, Property, Workers' Compensation, Automobile, and Crime, among others.
What carrier backs this program?
The program is written with an A.M. Best “Excellent” or higher carrier when available. Specific carrier placement can vary by account.
Need help placing an account? Connect with a market specialist.