Motocross Track Coverage
Accident Medical & Abuse Coverage
Two coverages that protect the people side of your track. Excess accident-medical pays an injured rider's medical bills regardless of fault — which keeps minor injuries from becoming lawsuits — and abuse-and-molestation liability protects tracks that run youth schools, clinics, and camps.
What's covered
Coverage included with Accident Medical & Abuse Coverage
How excess accident-medical works
Excess accident-medical coverage pays the medical expenses of an injured participant up to a set limit, regardless of who was at fault and without requiring anyone to prove negligence or file a lawsuit. It typically sits 'excess' of the rider's own health insurance, picking up costs their personal coverage doesn't. For a motocross track, where minor injuries are routine, this coverage does quiet but valuable work: it gets an injured rider's bills handled quickly, which preserves goodwill and — critically — removes the financial pressure that pushes injured people toward lawsuits in the first place.
Why accident-medical reduces lawsuits
Many liability claims start not out of anger but out of unpaid medical bills. A rider goes down, runs up emergency-room and follow-up costs their health plan won't fully cover, and a plaintiff's attorney becomes the path to paying them. Excess accident-medical short-circuits that chain: when the medical costs are paid promptly and without a fight, the injured rider's immediate problem is solved and the lawsuit often never materializes. Paired with participant liability, accident-medical is the front line — handling routine injuries before they escalate — while participant liability stands behind it for the claims that still become suits.
The abuse and molestation exposure for youth programs
Tracks that run youth riding schools, camps, clinics, and training programs work closely with minors, and that creates a serious and distinct exposure: abuse and molestation claims. Standard general liability increasingly excludes or sublimits this risk, leaving a dangerous gap for any operation working with children. Abuse-and-molestation liability coverage responds to these claims and the defense costs they carry. If your track has any program putting staff or instructors in close contact with young riders, this coverage is not optional — it's a direct answer to one of the most damaging claims a youth program can face.
Protecting riding schools, clinics, and camps
Riding schools and camps are good for the sport and good for business, but they concentrate the youth exposure: more minors, more instruction, more staff contact, and the waiver limitations that apply to children. We structure abuse-and-molestation coverage alongside participant liability and accident-medical for these programs, and we'll talk through the screening, supervision, and two-adult practices that both reduce the risk and support your coverage. Insuring a youth program correctly means covering injury (accident-medical and participant liability) and conduct (abuse-and-molestation) together.
Catastrophic and AD&D options
For the rare but devastating catastrophic injury — a permanent disability from a serious crash — some tracks add higher accident-medical limits or catastrophic and accidental-death-and-dismemberment (AD&D) coverage. These options provide a defined benefit for the most serious outcomes, which both protects the injured rider's family and demonstrates that your facility takes participant welfare seriously. We'll discuss whether catastrophic limits make sense for your operation based on what you run and the riders you serve.
Why Contractors Choice Agency
We insure a track the way it actually operates.
The motorsports-facility specialty division of Contractors Choice Agency — licensed in all 50 states, covering the riders, the crowd, the events, and the crew.
We cover the riders, not just the property
Participant injury is the exposure that sinks tracks, and standard general liability excludes it. We lead with participant liability and accident-medical so the people on your track are actually covered.
Race-day limits that hold up
A points round can put thousands of fans on your fence line. We structure spectator liability and high-attendance limits for the days that matter, not just a quiet practice session.
Built for promoters and sanctioning rules
We write event and venue coverage that satisfies sanctioning bodies, landowners, and municipalities — with the additional-insured endorsements and certificates promoters have to produce.
Specialty motorsports markets, fast quotes
We place tracks with surplus-lines and motorsports carriers that price off-road risk correctly instead of declining it — and turn quotes around in a day, because your season doesn't wait.
Answers
Accident Medical & Abuse Coverage — FAQs
Straight answers to the questions track owners and promoters ask us most about this coverage.
It pays an injured participant's medical bills up to a set limit regardless of fault, without requiring a lawsuit or proof of negligence, and typically sits excess of the rider's own health insurance. For a motocross track where minor injuries are routine, it gets riders' bills handled quickly — which preserves goodwill and removes the financial pressure that often leads to lawsuits.
Many liability suits begin with unpaid medical bills, not anger. When an injured rider's costs are paid promptly through accident-medical, their immediate financial problem is solved and the lawsuit frequently never gets filed. It works as the front line for routine injuries, while participant liability stands behind it for the claims that still become suits. Carrying both is the most effective way to manage rider-injury risk.
No — they're complementary. Accident-medical pays an injured rider's medical bills no-fault, with no lawsuit required. Participant liability responds when an injured rider sues, paying defense costs and any settlement or judgment. Accident-medical handles injuries early to prevent suits; participant liability protects you when a suit happens anyway. We typically recommend both for a complete track program.
It covers claims — and the defense costs — arising from alleged abuse or molestation, an exposure standard general liability increasingly excludes or sublimits. Any track running youth riding schools, camps, clinics, or training programs that put staff in close contact with minors needs it. For a youth program it's one of the most important coverages you can carry, because an abuse claim is among the most damaging a program can face.
A youth program needs injury coverage and conduct coverage together: accident-medical and participant liability for rider injuries (with attention to the waiver limits that apply to minors), plus abuse-and-molestation liability for the close-contact exposure. We structure all three around your program and will discuss the screening, supervision, and two-adult practices that reduce the risk and support your coverage.
No — that's the point of it. Accident-medical is no-fault: it pays the injured rider's covered medical expenses up to the limit regardless of who caused the injury and without a lawsuit. That's what makes it effective at resolving routine injuries quickly and heading off the litigation that fault-based claims produce.
Yes. Some tracks add higher accident-medical limits or catastrophic and accidental-death-and-dismemberment (AD&D) coverage to provide a defined benefit for the rare but devastating permanent-injury outcome. This protects the injured rider's family and shows your facility takes participant welfare seriously. We'll help you decide whether catastrophic limits fit your operation and the riders you serve.
Call 844-967-5247 or request a free quote and tell us about your riding activities and any youth programs you run. We'll structure excess accident-medical alongside participant liability, add abuse-and-molestation coverage for youth programs, and discuss catastrophic options if they fit. Quotes are free and carry no obligation.
Still have questions? Call 844-967-5247
Explore more
Other coverages
One claim shouldn't be able to close your gate.
Talk to a motorsports specialist about participant, spectator, event, and property coverage for your track. Free, no-obligation quote — usually same day.
Licensed in all 50 states · Specialty motorsports carriers · Mon–Fri 8am–5pm MST (AZ)