Insurance built for the gate, not the rider.

Because a standard commercial general liability policy excludes the one exposure that matters most at a track: injury to the participants — the riders. Off-road motorsport is treated by mainstream carriers as a high-hazard risk, so a generic business policy either declines the operation outright or quietly excludes participant injury, spectator crowds, and event exposure. Motocross track insurance is placed with specialty motorsports markets and built around participant liability, spectator liability, event coverage, and the property and staff exposures a real facility carries. It's coverage designed for how a track actually operates, not a generic policy with a motocross sticker on it.

General liability covers third parties — spectators, vendors, neighbors — who are hurt by your operation. It specifically excludes 'participants,' meaning the riders who voluntarily take part in the activity. Participant liability adds back coverage for bodily-injury claims brought by those riders. For a motocross track this is essential: the people most likely to be injured are the ones on the track, and a GL-only policy leaves every one of those claims uncovered. We treat participant liability as the core of a track policy, not an afterthought.

Waivers help, but they are not a substitute for insurance. A waiver can be challenged, ruled unenforceable, signed by a minor's parent in a state that limits such waivers, or simply not stop a lawsuit from being filed — and even a suit you eventually win costs real money to defend. Insurance is what pays your legal defense and any settlement or judgment when a waiver is contested or fails. The two work together: a strong waiver program reduces claims, and insurance protects the business when a claim comes anyway. Relying on waivers alone is the single most common and most dangerous gap we see at tracks.

Premium depends on what your facility actually does — practice-only versus racing, annual and peak attendance, whether you run youth schools or camps, whether you serve alcohol, the value of your buildings and equipment, your payroll, and your claims history. A small practice-only track carries far less exposure than a facility hosting sanctioned points rounds with grandstands and a beer garden, and the coverage is priced accordingly. Because we place these risks with specialty motorsports markets and build the policy around your real operation, the goal is coverage that actually responds when there's a claim — not the cheapest premium for a policy full of exclusions. Quotes are free and there's no obligation.

Yes. We write both the ongoing facility coverage and the heightened, time-boxed exposure of events — one-day opens, multi-day races, points series, amateur nationals, and facility rentals to outside promoters. Event coverage can name promoters, sponsors, and sanctioning bodies as additional insureds, satisfy sanctioning-body insurance requirements, and provide the certificates landowners and municipalities demand. If you both operate the track and host events, we coordinate the two so there's no gap between your annual policy and a given race weekend.

Yes — selling or even furnishing alcohol at an event creates liquor liability (dram-shop) exposure that standard general liability excludes, and concession food sales add product liability. If there's a beer garden, a concession stand, or vendors at your events, we add liquor liability and concessions coverage so an alcohol- or food-related claim is actually covered. We can write it on your annual program or as one-day event coverage for specific races.

Both. Practice facilities, open-ride days, riding schools, clinics, and private membership tracks all carry participant and premises exposure even without a single sanctioned race, and we write coverage for all of them. Many of our tracks are practice-and-rental operations; others are full race facilities; many are both. We build the policy around what you actually run, whether that's quiet weekday practice, weekend opens, or a full race calendar.

Yes — Contractors Choice Agency is licensed in all 50 states, and Motocross Track Insurance is our motorsports-facility specialty division. Wherever your track is, we can quote and place coverage. Call 844-967-5247 or request a free quote online to get started.