https://completemarkets.com/company/amerspec/Horse-Tracks/
Equestrian sports fans love the excitement and entertainment that horse tracks provide. American Specialty wants to equip your clients' tracks with specialized insurance coverage tailored to the complex and unique risks associated with racing venues—so your clients can focus on the thrill of the race while you ensure their risk is under control.
Eligible Operations for Horse Tracks Insurance
Thoroughbred Tracks
Greyhound Tracks
Special Events
Harness Tracks
Simulcast Facilities
Combo Tracks
Quarter Horse Tracks
OTB Facilities
Racino Facilities
Program Highlights for Horse Tracks Insurance
A.M. Best “Excellent” (or higher) rated carrier access
Admitted coverage in available jurisdictions
Program-specific policy forms and rates
Non-auditable policy options
24-hour claims service
In-house underwriting, claims, risk management, and policy administration
Online resources and tools to support placement and servicing
Program Coverages for Horse Tracks Insurance
General Liability
Participant Legal Liability
Horse Legal Liability
Dog Legal Liability
Excess/Umbrella
Liquor Liability
Automobile
Property
Crime
Employee Benefits Liability
Workers Compensation
Deductible / SIR Options
Ideal Clients and Appetite
This American Specialty program is designed specifically for live and simulcast racing venues and their supporting operations. Ideal accounts include thoroughbred and quarter horse tracks, harness racing facilities, greyhound tracks, racinos, off-track betting (OTB) sites, simulcast-only venues, combination tracks, and special-event racing operations.
The program has a particular appetite for venues that host regular racing events, manage wagering and concessions, operate simulcast or OTB services, or combine gaming with live racing. Seasonal operations and expansions to add simulcasting or special events are considered—subject to underwriting review.
Coverage Highlights and Advantages
American Specialty’s Horse Tracks Insurance program brings a targeted package of coverages that reflect the operational risks of racing venues. Key advantages for agents and brokers:
Program-specific forms and rating to match racing exposures.
Admitted paper in available states for regulatory certainty and local compliance.
In-house underwriting and claims teams that understand racing operations and can respond quickly to placement or claim issues.
Flexible deductible and SIR options to help structure coverage for varying risk tolerances.
Underwriting Notes and Minimum Premiums
Underwriting focuses on the size of the venue, frequency of events, crowd capacity, wagering activity, concessions and liquor exposure, animal handling practices, and on-site security. Minimum premiums vary by state and by account size and complexity; American Specialty offers responsive, in-house underwriting to provide timely eligibility and pricing guidance.
Territory and Admitted Status
This program is available in all 50 states, including Washington, D.C., and is written on an admitted basis where available—providing the regulatory protections and forms local markets expect.
Why Work With American Specialty?
As an experienced managing general underwriter, American Specialty combines deep knowledge of sports, entertainment, and specialty risks with end-to-end in-house service. That means consistent underwriting decisions, centralized claims handling, and dedicated risk management support. Access to A.M. Best “Excellent” carriers and program-specific documents gives you reliable paper and faster placements for niche racing risks.
Example scenarios where this program fits:
You have a county fairgrounds adding seasonal harness racing and simulcast operations—this program can combine general liability, horse legal liability, and property coverages for the expanded exposure.
Your client runs a racino with regular live racing nights and significant liquor and wagering exposure—this program supports liquor liability, participant liability, and umbrella capacity to layer limits.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is best for thoroughbred and quarter horse tracks, harness racing venues, greyhound tracks, simulcast facilities, OTB locations, racinos, combination tracks, and special-event racing venues.
Is this program available in all states?Yes. The Horse Tracks Insurance program is available in all 50 states and Washington, D.C., and is written on an admitted basis where admitted paper is available.
What coverages can I place through this program?You can place General Liability, Participant Legal Liability, Horse and Dog Legal Liability, Excess/Umbrella, Liquor Liability, Property, Auto, Crime, Workers’ Compensation, Employee Benefits Liability, and related options, with deductible/SIR flexibility.
Who handles underwriting and claims?American Specialty handles underwriting, claims management, risk management, and policy administration in-house to provide consistent decisions and timely service.
Need help placing an account? Connect with a market specialist.