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...y that address the unique needs of horse tracks. Our specialized coverages wil...y - Legal Liability to Participants - Horse Legal Liability - Liquor Liability...

...s Thoroughbred, harness, quarter horse and combined tracks Racinos (racing...ogram can cover dog tracks as well as horse, harness, and quarter horse racing venues, including combined ...

Race Teams: Commercial property and casualty coverage for race team operations. Workers’ compensation available. Race Owners & Sponsors Liability: Contingent racing liability for the race team owner, sponsor or driver. Off-track & Storage: Protects competition vehicles, trailers, spare parts, tools and racing equipment from physical damage losses due to fire, theft, trailer upset and other physical damage claims. Eligible Operations for Motorsport Race Team Insurance and Motorsport Race Shop Insurance: - Driver insurance - Racing service and repair - Race shop insurance shop insurance - Race team insurance - Show car exhibition insurance - Racing association insurance - Sponsor insurance Coverages Available & Program Highlights: General Liability - Liability Provided While Away From Premises - Incidental Products Coverage for promotional operations/souvenir sales - Excess Liability - Participant Accident for tuning and testing - Business Auto Including Transporters - Garage Keeper's Legal Liability - Building & Business Personal Property - Broadened Coverage Enhancement for Property - Business Income and Extra expense - Crime - Cyber Risk ($25,000 sublimit) - Electronic Data Processing Equipment - Workers' Compensation - Contingency and Prize Indemnity - Contractual Indemnity - Disability Income for drivers and crew chiefs - Employment Practices Liability - Ocean Marine - On-Track Crash Damage (for certain classes) - Products Liability Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

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.

No other organization has the knowledge and experience that allows K&K to provide superior coverage for world-renowned racing organizations as well as local tracks, teams and drivers. K&K Insurance has provided motorsports insurance to the industry since 1952 and is still the leader in the industry today. A wide range of products are available to protect motorsports facilities and/or event promoters. From liability and participant accident coverages to property and commercial auto coverages, K&K has it covered. Programs are available to cover facility operators, specialty event promoters and sanctioning organizations. Eligible Operations for Motorsport Facility Insurance and Motorsport Event Insurance: - Boat race insurance - Demolition derby insurance - Drag race insurance - Motorcycle racing insurance - Oval track racing insurance - Racing associations insurance - Road course insurance - Snowmobile competitions insurance Coverages Available & Program Highlights: General Liability - Broadened Coverage Form - Separate limits for Bodily Injury to Participants - Expanded Bodily Injury definition - Personal and Advertising Injury definition expanded - Official Vehicle Physical Damage - Motorsports Errors and Omissions - Fireworks Liability - Host Liquor Liability - Cyber Risk ($25,000 sublimit) - Customized motorsports policy language - Additional insureds (including officials, car owners, drivers, pit crews, sponsors, persons or organizations operating, managing, sanctioning, sponsoring, or providing the premises for competitive covered programs) Participant Accident Coverage - Accidental Death and Dismemberment Benefit - Accident Medical Benefits (available on Excess or Primary Basis) - Limits up to $1,000,000 - Temporary Total Disability-Weekly Accident Income Benefit - Volunteer- Accident Medical Coverage for Motorsport Volunteers Property Crime Inland Marine Commercial Auto Liquor Liability Excess Liability Event Cancellation Workers' Compensation Additional Products: - Contingency/Prize - High Limit Disability Indemnity - Employment Practices Liability - Products Liability Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

...eshment Stands • Animal Shows, Dog/Horse Races, and Many More Overview of the Prog...gs, community festivals, fundraisers, races, trade shows, recitals, openings, ...

While your driving school provides quality driver training, American Specialty can provide quality insurance solutions tailored to your unique risks in motorsports operations. Overview of the Motorsports Driving Schools Insurance Program American Specialty Insurance & Risk Services offers a dedicated Motorsports Driving Schools Insurance program designed for the complex, high-exposure world of performance driving, club events, and race operations. As a managing general underwriter, American Specialty combines program-specific forms and in-house underwriting with claims and risk management support so brokers can place accounts with confidence. Ideal Accounts and Eligible Operations This program fits a broad range of motorsports-related operations, including: Closed-course driving schools and track-day facilities Performance and experiential driving programs Race teams, sanctioning bodies, and event organizers Independent car clubs and club-run events Super speedways and multi-use racing complexes Typical accounts that place well have established safety procedures, trained instructors, documented vehicle inspection programs, and emergency response plans. Risks that generally do not fit the program are unregulated street racing operations or facilities lacking basic safety controls. Coverage Highlights and Advantages The program offers a comprehensive suite of coverages tailored for motorsports operations. Highlights include: Admitted coverage options supported by carriers rated “Excellent” or higher by A.M. Best Program-specific forms and rating that reflect motorsports exposures Participant legal liability and participant accident medical / catastrophic coverage General liability, excess/umbrella, automobile, property, liquor, crime, and employee benefits liability Workers compensation and deductible / self-insured retention options 24-hour claims service and in-house claims handling for faster response Online resources and tools to streamline submissions and servicing How this helps your insureds This program helps manage the primary exposures of motorsports operations — participant injury, third-party liability, auto and property damage, and catastrophic medical costs. The in-house team can tailor limits, endorsements, and SIR/deductible structures to match the size and sophistication of the account. Underwriting Notes and Minimum Premiums All risks are underwritten in-house, which supports quicker turnaround and direct access to underwriting questions. Minimum premiums and final terms vary by state, account size, and exposure. Provide details on operations, safety programs, instructor qualifications, and past loss history to obtain the most competitive terms. Territories and Availability This program is available nationwide — in all 50 states and Washington D.C. Agents across the U.S. can place motorsports driving school, club, and event business through American Specialty where the operations meet the program’s safety and underwriting standards. Why Work With American Specialty As a niche managing general underwriter, American Specialty provides hands-on service and deep motorsports experience. Strengths include: In-house underwriting, claims, risk management and policy administration — one point of contact Access to admitted markets with program-specific forms and competitive capacity Dedicated motorsports expertise that understands instructor-led training, track operations, and event logistics Online quoting and resources to simplify placements You might have a client who runs a regional performance driving school with instructor-led sessions and loaner cars, or a club that hosts monthly track days with volunteer marshals — both are examples of accounts this program is designed to serve. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include closed-course driving schools, performance and experiential programs, race teams, sanctioning bodies, car clubs, and multi-use racing facilities that maintain safety and operational controls. Is this program admitted or non-admitted?The program offers admitted coverage options and is supported by carriers rated “Excellent” or better by A.M. Best. What coverages are included in this motorsports insurance program?Available coverages include general liability, participant legal liability, automobile, property, excess/umbrella, workers compensation, participant accident medical and catastrophic medical, liquor liability, crime, and employee benefits liability. Which states is this program available in?The program is available in all 50 states and Washington D.C., making it accessible for agents nationwide. Who underwrites and manages this program?All underwriting, claims handling, and policy administration are managed in-house by American Specialty Insurance & Risk Services, providing direct access to underwriting decisions and faster claim response. Need help placing an account? Connect with a market specialist.

...izations that run events, sanction races, operate tracks, and support motorspo...tioned short-track oval with seasonal races and club events — the program can ...