Race Track Insurance from WSIB — Program Overview
VAIL (Value Added Insurance Lines) places Race Track Insurance through the WSIB program for permanent facilities, temporary circuits, racing series and sanctioning bodies. This program is designed for motorsports exposures including testing and tuning, practice sessions and sanctioned race events. Coverage is typically written on an annual basis with premium developed from your client’s schedule of events and nature of activities.
Ideal Accounts and Appetite
- Permanent or seasonal road courses, dirt tracks, oval tracks and drag strips
- Temporary circuits and special motorsports events (ride-and-drives, auto shows with driving elements)
- Driving schools, drift events, rally stages, auto crosses and auto launches
- Sanctioning bodies and racing series seeking participant accident or catastrophic medical limits
- Promoters who assume third-party liability through contracts (submitted for review)
Coverage Highlights and Advantages
- General Liability and Participant Accident options tailored to motorsports exposures
- Commercial Auto and Commercial Property available where appropriate
- Liquor Liability, Directors & Officers and Management Liability for organizers and sanctioning bodies
- Catastrophic medical coverage specifically for sanctioning bodies
- Excess limits and high-limit capacity for large events
- Weather cancellation insurance and other event-specific products
- 24-hour claims service and loss control inspections to help manage risk
- Annual coverage available 24/7/365 to support year-round operations
Underwriting Notes and Submission Requirements
Underwriting is schedule-driven. For a prompt and accurate quotation, submit the following:
- Three years loss history (currently valued claims and trends)
- Completed and signed application
- Copies of contracts where your client assumes the liability of others
- Liquor application if the insured controls alcohol licensing or sales
- Photographs of the site and key activity areas
- Rules and regulations provided to participants
- Schedule of events (actual or proposed)
- Site diagram showing layout and distances between pits, grandstands, spectator areas and access points
Common declinations include accounts with uncontrolled spectator access, poorly maintained barriers, or operations outside of sanctioning authority guidance. Each submission is reviewed for safety controls and event management practices.
Territories, Admitted Status & Minimums
This program is available through VAIL in all listed states: 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 status: All Available Markets. Carriers vary by state and risk profile. There is no minimum premium required for consideration, though pricing is driven by event schedule and exposures.
Why Place Race Track Business with VAIL
- Managing General Agency experienced in motorsports and specialty event programs
- Access to multiple carriers and high-limit capacity for complex events
- Dedicated underwriting focused on track operations, participant exposures and contractual risk transfer
- Responsive quote turnaround when full submission materials are provided
- Loss control support and 24/7 claims access help preserve client relationships
Example Account Scenarios
- You have a regional road-course operator running 10 events per year with a driver school and occasional amateur races — the program can combine General Liability, Participant Accident and Excess limits tailored to the schedule.
- You represent a sanctioning body that requires catastrophic medical coverage and D&O protections for board members — VAIL can submit to WSIB markets that offer specialized coverages for organizers.
Frequently Asked Questions
What types of motorsports accounts fit this program?
Tracks and events such as road courses, oval tracks, drag strips, rally stages, driving schools, auto crosses, drifting and sanctioned series are generally a good fit when they have defined event schedules, documented rules, and basic safety controls in place.
What does VAIL need to get a quote?
Provide a completed application, three years of loss history, a schedule of events, site diagrams, photographs, any contracts where liability is assumed, participant rules, and a liquor application if applicable.
Are high limits and excess insurance available?
Yes. VAIL works with multiple carriers through the WSIB program to place high limits and excess capacity depending on the size of the event and the insured’s risk profile.
Which states and markets are available?
The program is available across the listed U.S. states and DC. Admitted status and carrier availability vary by state; VAIL will identify the best market based on the account’s details.
Need help placing an account? Connect with a market specialist.