Services for the Professional Race Driver 

Driver Purchased Temporary Total Disability (TTD) and Permanent Total Disability (PTD)

• Worldwide 24 hour coverage on and off the track with varying deductibles and multi-year policy terms.

• Pays benefits on a per race missed and/or weekly or monthly basis to a Professional Race Car Driver who, due to an accidental bodily injury or sickness or disease, is temporarily or permanently disabled as a Driver.

• Temporary Disability benefit periods can extend to sixty (60) months. Permanent Disability benefits are paid in a lump sum to replace future loss of income. These coverages are available on a stand alone basis or can also be combined to increase the Driver’s overall sum insured.

Team Purchased Temporary Total Disability and Permanent Total Disability Coverage

• Reimburses a team for any contractual obligations owed to a Driver if he/she suffers an accidental bodily injury or sickness or disease that temporarily or permanently prevents him/her from participating as a Driver.

• Coverage offers 24 hour worldwide protection on and off the track with varying deductibles and multi-year policy terms.

• Temporary Disability benefits are paid on a per race missed and/or weekly or monthly basis up to sixty (60) months. Permanent Disability benefits are paid in a lump sum. These coverages are available on a stand alone basis or can also be combined to increase the overall sum insured of the Driver.

Sponsor Investment Reimbursement Coverage

• Reimburses sponsor on a per race missed basis for a percentage of their investment in a Driver and/or Driver/Team if the Driver, due to accidental bodily injury or sickness or disease, misses a series of races.

• Varying deductibles with multi-year policy terms are available starting with one race each and every claim.

Sponsor or Team Investment “Non-Appearance” Reimbursement Coverage

• Reimburses sponsors or teams for their “net ascertainable” expenses if a Driver, due to accidental bodily injury or sickness or disease, misses appearances, photo shoots or other contractual events. Varying deductibles with multi-year policy terms are available from one
  appearance each and every claim.

Accidental Death Coverage

• Pays a lump sum benefit if a Driver dies in an accident. This coverage can also be purchased on a group basis for team pit crew members. Multi-year policy terms are available.

Team Driver Replacement Coverage

• Reimburses the team for the cost of paying a substitute driver in the event the primary Driver, due to accidental bodily injury or sickness or disease, is unable to participate in contracted races. Varying deductibles with multi-year policy terms are available starting with multi-year policy terms are available starting with one race each and every claim

Life insurance and Long Term Care also available