Track & Facility Property Insurance

It covers the structures and improvements at your facility — timing tower, shop and storage buildings, concession and restroom structures, grandstands, fencing, gates, lighting, and signage — against covered perils like fire, wind, hail, theft, and vandalism. It also covers your business personal property (tools, inventory, equipment), track improvements and infrastructure, and business income if a covered loss shuts you down. We tailor it to what you've actually built.

The track surface, jumps, berms, and supporting infrastructure (irrigation, starting gates, drainage, electrical) represent real investment that can be covered as track improvements rather than dismissed as raw land. Coverage responds when a covered peril damages that infrastructure — for example, a fire to your gate system or storm damage to irrigation. We make sure the improvements that took seasons to build are reflected in your policy.

A commercial property policy typically covers fire, lightning, windstorm, hail, vandalism, theft, and similar perils; broader 'special form' coverage covers risks of direct physical loss except those specifically excluded. Flood and earthquake are usually separate. We'll review which form and which perils fit your location and exposure — wind and hail matter more in some regions, theft and vandalism in others — so you're covered for the risks your facility actually faces.

Business income (and extra expense) coverage replaces the revenue you lose and pays the added cost of recovering when a covered loss forces you to close or cancel events. For a seasonal track where a handful of weekends drive the year, it's essential — a fire or storm at the wrong time could otherwise take the whole season's income with it. We structure it around your season so a covered shutdown doesn't become a financial catastrophe.

Yes — tractors, dozers, water trucks, graders, UTVs, and grooming machinery can be scheduled on your property program or covered under inland-marine/equipment forms against damage and theft. This mobile equipment is essential to operating a track and valuable enough that it deserves the right coverage form rather than falling through the gap between your building policy and your auto coverage. We make sure it's covered correctly.

Many tracks are underinsured because their structures went up gradually over years and were never revalued. We work to insure your buildings and improvements at current replacement cost — what it would actually take to rebuild today — rather than an outdated or guessed figure. Getting the value right is what ensures a covered loss returns you to operation instead of leaving you to cover a shortfall out of pocket.

Yes, theft and vandalism are standard covered perils on a commercial property policy, which matters for tracks that often sit on remote or rural land with valuable equipment, tools, and inventory on site. We can also discuss the security and monitoring practices that reduce these losses and support your coverage at renewal, since off-site rural facilities are a recognized theft target.

Call 844-967-5247 or request a free quote with a description of your structures, improvements, equipment, and inventory, plus your season and event schedule. We'll value the property correctly, recommend the right perils and business-income coverage, and coordinate equipment coverage so your whole facility is protected. Quotes are free and carry no obligation.