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...y that address the unique needs of horse tracks. Our specialized coverages wil...y
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https://completemarkets.com/company/amerspec/Independent-Car-Clubs/
American Specialty offers Independent Car Clubs Insurance for national and local clubs, on-track events, static shows, rallies, parades, autocross, cruises and other club-organized activities. Our sports-specific insurance programs and services help protect your organization and its membership while giving you placement options tailored to automotive clubs and event operators.
Eligible operations for Independent Car Clubs Insurance
National clubs
Regional and local clubs
On-track events
Autocross
Static car shows
Rallies and cruises
Parades
Club-hosted social events and fundraisers
Program highlights
A.M. Best "Excellent" or higher carriers (varies by program)
Admitted coverage where available
Program-specific forms and rates tailored for car clubs and events
Non-auditable policy option
24-hour claims service and in-house claims management
In-house underwriting, risk management and policy administration
Online resources and tools for agents and insureds
Coverage highlights
General Liability (including participant legal liability)
Excess / Umbrella limits
Liquor Liability for club events
Automobile liability for owned/leased club vehicles (where applicable)
Property and equipment coverage for club-owned property and event property
Crime and employee benefits liability
Participant accident medical and catastrophic medical coverage
Workers’ compensation and deductible / SIR options
Overview — American Specialty's Independent Car Clubs Insurance
American Specialty Insurance & Risk Services (MGA) provides a program designed for insurance agents placing coverages for car clubs and their events. The program pairs program-specific forms and rates with in-house underwriting and claims services so you can offer comprehensive protection for both club operations and participants.
Ideal accounts and appetite
This program is a fit for independent agents with insureds that are:
Volunteer-run or membership-based car clubs (local, regional or national)
Organizers of static shows, cruise nights, rallies, parades, autocross and similar events
Clubs that host social events, fundraisers and occasional track days
Groups seeking participant accident coverage or liquor liability for hosted events
Not typically eligible: professional racing teams, permanent commercial racetracks hosting regular sanctioned professional racing, or promoters of large commercial festivals where operations exceed typical club event scope. Underwriting will review high-risk features such as paid professional drivers, commercial concessions, or non-club commercial promoters.
Coverage advantages for agents
Program-specific forms and pricing: simplifies placement for routine club exposures.
Admitted capacity where available, with in-house underwriting for faster turn times.
Participant accident and catastrophic medical options that address event risks.
Liquor liability and non-auditable policy options to simplify administration of social events.
24-hour claims service backed by in-house claims management to help control outcomes.
Underwriting notes & minimums
Underwriting evaluates each club by operations, event frequency, attendance, liquor exposure, participant activities, and loss history. Minimum premium and appetite vary by state and by the specific coverages requested. Minimum premium: Varies. Carriers: Varies. If an account has complex operations (regular track days, multiple paid vendors, or professional drivers), submit detailed questionnaires and event documents for review.
Territories and licensing
Available through American Specialty in these jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted coverage is available where the program carrier is admitted—availability and placement options will vary by state.
Why place this business with American Specialty
MGA with niche experience placing sports- and recreation-related programs.
In-house underwriting, risk management and claims teams focused on event and participant exposures.
Program-specific forms and online resources that reduce placement friction for agents.
Flexible limits and coverage modules to create a package appropriate to club size and activities.
Example placements
You have a regional car club that hosts quarterly static shows and an annual cruise night with volunteer marshals — this program can combine general liability, liquor liability for the evening social, and participant accident coverage for drivers and volunteers.
A local autocross club holding occasional timed events at a municipal lot needs participant legal liability and participant accident medical coverage — the program’s event-specific forms and non-auditable policy option streamline administration.
Frequently Asked Questions
What types of car club accounts are a good fit for this program?The program fits membership-based clubs, local/regional organizations, and promoters of club-run events such as static shows, rallies, cruises, autocross and charity parades. It is designed for volunteer-run operations and occasional track or social events rather than full-time professional racing operations.
Which coverages can I package together for a club client?Common packages include General Liability with Participant Legal Liability, Liquor Liability for social events, Participant Accident/Catastrophic Medical, Automobile for club-owned vehicles where needed, Property for club-owned equipment, and Excess/Umbrella follow-form limits. Workers’ compensation and crime can also be added where appropriate.
How does underwriting handle on-track events or timed driving activities?Underwriting reviews the level of driver training, whether professional drivers are involved, safety controls, event supervision, and participant waivers. Recreational on-track events and sanctioned autocross typically qualify when safety protocols are documented; professional or commercial racing operations require a different placement.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/Amwinsunderwriting/Animal-Clubs-Associations-Special-Events/
An insurance provider that is passionate about the industry in which we serve.
Equisure, part of the Amwins Underwriting division, is a specialty program designed for animal clubs, associations and organizers of animal-related events. For more than 30 years Equisure has developed targeted products that address the unique exposures of clubs, breed registries, collegiate teams and show organizers. Agents can place a wide range of accounts through this program, supported by underwriting that understands animal-related operations and member-driven organizations.
Overview of the Program From Amwins Underwriting
This program offers straightforward, market-ready solutions for animal clubs, associations and sanctioned or non-sanctioned events. Coverage is built to protect organizers, volunteers and members from common liability risks that arise during competitions, shows, rallies and club-sponsored activities. Equisure’s appetite emphasizes practical, affordable coverages to keep members protected and events running smoothly.
Ideal Accounts and Appetite
Polo clubs and other mounted-sport groups
Dog clubs (excluding protection-training focused clubs)
Multi-state clubs that travel or compete in several jurisdictions
Breed registries and associations providing member benefits
Competitive trail riding groups and endurance events
Collegiate riding and animal clubs
Vaulting and English/Western shows (one-day or multi-day, sanctioned or non-sanctioned)
Ineligible accounts typically include rescues and sanctuaries, wagering-based racing operations, dog clubs whose primary activity is protection training, and rodeo bull riding. If you are unsure whether a specific account fits, provide a summary of operations and event profiles when submitting.
Coverage Highlights and Advantages
General liability tailored for club and event exposures
Optional professional liability where appropriate for instructors, judges or club-run services
Medical payments coverage for on-site incidents
Amwins Underwriting’s Equisure program emphasizes practical policy forms and limits that reflect the realities of volunteer-run organizations and temporary event exposures. The underwriting team is experienced with common risk controls for animal events and can provide guidance on risk transfer and certificate requirements for venues.
Underwriting Notes and Minimum Premiums
Underwriters look for clear event descriptions, typical participant counts, venue details, and any third-party vendor activities. Standard eligibility questions include whether events are sanctioned, whether animals are transported across state lines, and whether professional trainers or paid instructors are involved. The program’s stated minimum premium is $500; actual terms and premiums depend on exposure details, limits requested and loss history.
Territories and Availability
This non-admitted/surplus lines program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Note: Amwins positions this offering through Equisure as a specialty market—confirm surplus lines placement requirements in the insured’s home state as needed.
Why Work With Amwins Underwriting on This Business
Amwins Underwriting combines deep niche expertise with flexible underwriting for animal-related organizations. Agents benefit from a program that understands member-driven clubs, offers practical coverages, and has a track record of working with events and associations. Submissions that include clear activity descriptions, participant numbers and venue information will receive the most efficient review.
Example scenarios
You have a regional dog-breed club that runs two one-day shows per year and provides member benefits—this program can provide general liability and optional professional coverages for judges and trainers.
A collegiate equestrian club that travels to sanctioned events in multiple states needs a single program to cover both practices and competitions—Equisure can underwrite multi-location exposures through this offering.
Frequently Asked Questions
What types of accounts are a good fit for the Equisure program?Clubs and associations focused on non-racing animal activities—polo clubs, dog breed clubs, collegiate groups, trail-riding and sanctioned or non-sanctioned shows—are ideal. The program is designed for member-based organizations and event organizers rather than rescues or wagering/racing operations.
What coverages can I request through this program?Primary offerings include general liability and medical payments, with optional professional liability in many cases. Limits and coverage parts will depend on the account’s operations and the underwriting review.
Is this program admitted in the states listed?The program is offered on a non-admitted (surplus lines) basis. Agents should follow surplus lines placement and disclosure requirements that apply in the insured’s home state.
What information helps speed underwriting and placement?Provide a clear description of club activities and events, typical participant/attendance numbers, venue types, whether events are sanctioned, any paid instructors or vendors, and loss history. This information allows for a faster, more accurate quote and reduces follow-up requests.
Need help placing an account? Connect with a market specialist.
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