MOTORSPORTS DIVISION
WSIB’s Motorsports Division, offered through VAIL - Value Added Insurance Lines, is built specifically to meet the insurance needs of the motorsports industry, including race teams at all levels—professional, semi-professional, and amateur. Whether your client runs a multi-car professional operation or is a weekend racer, this program has the flexibility and expertise to provide tailored protection.
Our Race Team Insurance program also extends to motorsports product retailers and manufacturers, offering a comprehensive risk solution for a wide range of businesses involved in the racing ecosystem. This makes it an ideal resource for agents and brokers looking to place business related to competitive motorsports or associated industries.
Our program is underwritten by a select group of highly rated insurance carriers, ensuring both financial stability and quality coverage. As a Managing General Agency (MGA), VAIL brings niche expertise and access to markets that many standard carriers cannot accommodate.
Eligible Risks
- Racing Teams (Professional, Semi-Professional, Amateur)
- Racing Product Retailers
- Racing Product Manufacturers
- Other Motorsports-Related Operations — Please Contact Us to Discuss
Coverage Highlights
- Commercial Auto – Covers haulers, support vehicles, and more
- Crime – Forefront – Protection against employee dishonesty and other financial crimes
- Excess Liability – Higher limits available to meet contractual or event requirements
- General Liability – Broad protection for premises and operations
- Inland Marine – Covers race vehicles, tools, and spare parts in transit
- Off-Track & Storage – Coverage for vehicles and equipment not in active use
- On-Track Physical Damage – Specialized protection during racing activities
- Owners & Sponsors – Additional insured options for stakeholders
- Product Liability – Ideal for manufacturers and distributors
- Property – Covers garages, workshops, and inventory
- Workers' Compensation – Required protection for team staff and pit crews
Underwriting and Minimum Premium
There is no minimum premium requirement for this program, making it accessible for both small and large accounts. Underwriting is handled in-house and supported by years of motorsports-specific experience, allowing for efficient quoting and tailored solutions.
Territory and Availability
This program is available in all 50 states plus the District of Columbia: 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. Coverage is offered through all available markets, and options may be admitted, non-admitted, or both depending on the specific risk and state.
Why Work With VAIL and WSIB?
VAIL, in partnership with WSIB’s Motorsports Division, offers agents and brokers access to an established program that understands the unique exposures of motorsports. Whether you're working with a late model dirt team, a road race crew, or a parts distributor specializing in performance gear, this program delivers competitive options and responsive service.
You might have a client who owns a regional drag racing team that needs on-track damage coverage and workers' comp for their pit crew. Or perhaps a start-up parts manufacturer needs product liability and inland marine for tools and equipment — both would be excellent fits for this program.
Let VAIL and WSIB help you place your motorsports business with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include professional and amateur racing teams, motorsports equipment manufacturers, and racing-related retailers.
Can this program cover on-track physical damage?
Yes, on-track physical damage is one of the key coverages available, making it suitable for competitive racing teams.
Is there a minimum premium requirement?
No, this program does not have a minimum premium, allowing flexibility for both small and large operations.
Which states is the program available in?
The program is available in all 50 states and Washington, DC.
What types of businesses besides race teams can be covered?
Other eligible businesses include motorsports product manufacturers and retailers, as well as related operations. Contact us to discuss specific risks.
Need help placing an account? Connect with a market specialist.