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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...

... excitement and entertainment that horse tracks provide. American Specialty wa...ability, Participant Legal Liability, Horse and Dog Legal Liability, Excess/Um...

...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 ...

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.

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

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 ...

Motorsports Sanctioning Bodies know that K&K Insurance has been the go-to for motorsports insurance for over 70 years, providing commercial property and casualty and accident and health insurance solutions for the motorsports industry. Eligible Operations for Motorsports Sanctioning Bodies Insurance: - Boat racing - Drag racing - Drifting - Motorcycle racing - Oval track racing - Snowmobile racing - Sports Car racing - Tractors Pulling Coverages Available & Program Highlights: General Liability - Broadened Coverage Form - Separate Bodily Injury to Participants Limit (for) motorized events, waivers required) - Official Vehicle Physical Damage - Motorsports Errors and Omissions - Fireworks Liability - Cyber Risk ($25,000 sublimit) - Products Liability (food and beverage) - Host Liquor Liability - 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) - Contingent Coverage available if primary coverage is provided by the facility or event promoter. Participant Accident Coverage - Accidental Death and Dismemberment Benefit - Accident Medical Benefit (available on Excess or Primary Basis) - Temporary Total Disability-Weekly Accident Income Benefit - Volunteer-Accident Medical Coverage for Motorsport Volunteers Property Inland Marine Crime Commercial Auto Liquor Liability Excess Liability Workers' Compensation 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