Special Event & Race Liability

It's coverage for the heightened, time-boxed risk of a motocross event — a one-day open, a multi-day race, a series round, or an amateur national. Events concentrate exposure: peak crowds, more riders, alcohol, vendors, and sanctioning requirements, all in a short window. Special-event coverage answers that concentrated risk, either as a standalone event policy or coordinated with your annual track program.

It depends on what your annual policy includes. Some annual track programs build in event coverage; others cover ongoing operations but need event endorsements for sanctioned races or large events. Either way, the goal is no gap between day-to-day coverage and your biggest weekends. We'll review your annual program and add event coverage or endorsements where your race calendar needs it.

Yes. One-day and multi-day event policies are available for single races, opens, or festivals, which is ideal for facilities that host occasional events or for promoters running a one-off. For tracks that race regularly, an annual program with event endorsements or series coverage is usually more economical. We'll recommend whichever structure fits how often you run events.

That's exactly what it's built to do. Sanctioning bodies impose specific insurance requirements — limits, coverages, and additional-insured status — as a condition of running under their banner. We structure event coverage to meet those requirements and issue the certificates and additional-insured endorsements they demand, in the form and on the timeline required, so your sanctioning isn't held up by an insurance problem.

Yes. Events routinely require promoters, sponsors, title partners, sanctioning bodies, landowners, and municipalities to be named as additional insureds with certificates issued in specific forms. We handle these endorsements and certificates as a normal part of event coverage so all the parties to your event are properly covered and your agreements are satisfied.

Typically the promoter carries the event coverage and names your facility as an additional insured — but you should verify their limits are adequate and confirm participant and spectator coverage is in place before the gate opens. We help facility owners review incoming certificates and structure venue/rental coverage so that when someone else runs an event on your property, the responsibility (and any claim) stays with them, not your track.

It's structured to carry both through the event, coordinated with your participant and spectator coverage. Event day means more riders (participant exposure) and bigger crowds (spectator exposure), so we make sure your event terms, limits, and underlying coverages line up. The busiest day on your calendar is the worst possible day to discover a gap, so we close those gaps before the event.

As early as you can — sanctioning bodies, promoters, sponsors, and municipalities often require certificates well before the event, and rushing the paperwork risks a problem at the worst time. Call 844-967-5247 or request a quote as soon as your event is on the calendar, with the dates, expected attendance, sanctioning, and parties who need to be named. Quotes are free and carry no obligation.