American Specialty offers a focused Motorsports Race Teams Insurance program built for the unique exposures of teams, schools, tracks and event organizers. Whether your client runs a professional race team, operates a driving school, stores vehicles off-track, or produces motorsports events, American Specialty can tailor admitted solutions and program-specific forms to match their operations.
Eligible Operations for Motorsports Race Teams Insurance
Professional Race Teams
Off-Track Storage
Driving Schools
Owners & Sponsors
Events & Promoters
Facilities & Track Operators
Racing Associations
Sanctioning Bodies
Independent Car Clubs
Program Highlights for Motorsports Race Teams Insurance
Admitted coverage backed by carriers rated “Excellent” or higher by A.M. Best
Program-specific forms and rates tailored to motorsports risks
Non-auditable policy options for simpler premium handling
24-hour claims service with in-house claims management
In-house underwriting, risk management and policy administration
Online resources and tools to support placement and servicing
Program Coverages for Motorsports Race Teams Insurance
General Liability (including Participant Legal Liability)
Excess / Umbrella
Liquor Liability for events and venues
Automobile (scheduled and non-owned exposures)
Property (buildings, contents, and equipment)
Crime and employee dishonesty
Employee Benefits Liability
Participant Accident Medical and Catastrophic Medical
Workers’ Compensation (where required)
Deductible / SIR options to fit account needs
Why Work With American Specialty
As a Managing General Underwriter with deep motorsports expertise, American Specialty combines program-focused underwriting with full in-house service. Underwriting, claims handling, policy administration and risk management are managed internally to give you faster responses, consistent decisioning and clear placement guidance.
You can place accounts ranging from regional race teams with multiple vehicles and part-time drivers to driving schools that operate at several tracks during a season. Event organizers and sanctioning bodies also fit well when exposures are clearly defined and operations are managed with formal procedures.
Territories and Availability
This program offers admitted coverage and is available in all 50 states and Washington, DC. Available markets vary by state and account characteristics; minimum premiums are determined per submission.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Good fits include professional race teams, driving schools, event organizers, sanctioning bodies, track operators and independent car clubs that have documented safety controls and experienced management of motorsports activities.
Is coverage available nationwide?
Yes. The program is available in all 50 states and Washington, DC, with admitted coverage offered in eligible jurisdictions.
Can you cover participant liability and accident medical?
Yes. The program includes Participant Legal Liability, Participant Accident Medical, and Catastrophic Medical options designed for on-track exposures.
What carrier strength supports this program?
Coverage is placed with carriers rated “Excellent” or higher by A.M. Best. Specific carrier availability varies by state and account.
Who handles underwriting and claims?
American Specialty handles core functions in-house — underwriting, claims, policy administration and risk management — for a streamlined placement and servicing experience.
Need help placing an account? Connect with a market specialist.