Motorsports Race Tracks Insurance Program from American Specialty
Motorsports venues deliver high-speed entertainment and present specialized risk exposures. American Specialty Insurance & Risk Services offers a dedicated Motorsports Race Tracks Insurance Program designed for competitive and recreational facilities — from drag strips and kart circuits to road courses and super speedways. Our coverage package addresses the unique liabilities, participant exposures, property risks, and event-specific needs agents place for track operators and event organizers.
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
A.M. Best “Excellent” or higher carrier partners
Admitted coverage available where applicable
Program-specific forms and competitive rates
Non-auditable policy structure available
24-hour claims reporting and service
In-house underwriting, claims and risk management teams
Online tools and placement resources for agents
Coverage Options
General Liability
Participant Legal Liability
Excess/Umbrella Liability
Liquor Liability
Automobile (on-track and off-track exposures)
Property (buildings, grandstands, equipment)
Crime
Employee Benefits Liability
Participant Accident Medical
Catastrophic Medical Coverage
Workers’ Compensation
Deductible and SIR options
Ideal Accounts and Appetite
This program targets motorsports facilities and organizations of varying sizes and complexity. You can place both large, event-driven tracks and smaller, member-focused operations. Typical fits include:
- A short-track oval that runs regional race series on weekends and operates a weekday driving school.
- A private car club that hosts time trials and track days for members and occasional public events.
We are comfortable with accounts that have liquor exposures, participant legal liability concerns, complex property values, and multi-event schedules. Accounts with unusual or extreme hazard modifications should be submitted with full underwriting details for review.
Territories and Availability
The Motorsports Race Tracks Insurance Program is available nationwide — all 50 states and Washington, DC. Admitted policy options are offered where appropriate to match regulatory and client needs.
Underwriting Notes
Minimum premiums and carrier placement vary by operation and exposure profile. Flexible deductible and self-insured retention structures are available. When submitting, include event schedules, participant controls, security and medical response plans, property valuations, and prior loss history to help expedite review.
Why Choose American Specialty?
As a Managing General Underwriter focused on event and motorsports risk, American Specialty combines specialized underwriting expertise with in-house claims and risk management support. Agents benefit from a single point of contact for placement, responsive service, and program terms that reflect a deep understanding of track-level exposures. Whether you are quoting new business or renewing a complex schedule of events, our team can help structure coverage to match your client’s profile.
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. We also write independent car clubs and racing associations.
Is participant legal liability included in the program?
Yes. Participant legal liability is a core coverage offered in this program to address claims arising from competitors and participants.
Are programs available in all states?
Yes. The program is available nationwide, including all 50 states and Washington, DC.
Does the program offer admitted coverage?
Yes. Admitted coverage is available where appropriate based on the risk and jurisdiction.
What support does American Specialty provide to agents?
We provide in-house underwriting, dedicated claims management, and risk management services, plus 24-hour claims reporting and online resources to assist agents throughout placement and policy servicing.
Need help placing an account? Connect with a market specialist.