Most coverage gaps at a motocross track aren't dramatic — they're quiet omissions that nobody notices until a claim lands on the wrong policy. Use this checklist to pressure-test your program. For each coverage, ask: do I have it, and is it sized for my biggest day? If you can't confidently say yes, it's worth a conversation.
1. General liability
The base policy covering third-party bodily injury and property damage across your premises and operations. Required by most leases, sponsors, and sanctioning bodies. Necessary, but not sufficient on its own — it excludes the riders.
2. Participant liability
The most important coverage you'll carry. It covers bodily-injury claims from the riders on your track — the exposure GL excludes and the one most likely to actually happen. If you have one gap, this is the one to close first.
3. Spectator liability
Covers injuries to non-participants — fans, families, vendors, and guests — in the stands, on the fence line, in the pits, and in parking. Size the limits to your peak event attendance, not your average day.
4. Track & facility property
Covers the structures and improvements you've built — towers, grandstands, shops, fencing, lighting, signage — plus business personal property and the track infrastructure itself, against fire, wind, hail, theft, and vandalism.
5. Business income
Replaces lost revenue and pays extra expense if a covered loss forces you to close or cancel events. Essential for a seasonal operation where a few key weekends drive the year.
6. Special-event & race liability
Covers the heightened, time-boxed exposure of events, satisfies sanctioning-body requirements, and provides the additional-insured endorsements and certificates promoters and landowners require.
7. Liquor & concessions
If you serve alcohol or sell food, GL won't cover alcohol-related or food-product claims. Liquor liability (dram-shop) and concessions coverage fill that gap — as an annual program or one-day event coverage.
8. Accident-medical & abuse/molestation
Excess accident-medical pays injured riders' bills no-fault, heading off lawsuits. Abuse-and-molestation liability protects tracks running youth schools, clinics, and camps — an exposure GL increasingly excludes.
9. Workers' compensation
Required in most states once you have employees. Covers medical costs and lost wages for injured staff — marshals, groundskeepers, gate and shop crew — and provides the certificates landlords and sponsors require.
Run the checklist with a specialist
If any box above is a 'no' or an 'I'm not sure,' that's a gap worth five minutes. Call 844-967-5247 or request a free quote, and we'll run your facility against this list and place whatever's missing with specialty motorsports markets. Quotes are free and carry no obligation.
Get a free quote for your track
Talk to a motorsports specialist about coverage built for how your facility actually operates. Free, no obligation — usually same day.
