There’s nothing like the thrill of a roaring engine or watching a race car make a left-hand turn at 200 miles per hour, but with the need for speed comes risk. Let us help manage the risk so your clients can enjoy the rush. We built our motorsports insurance program to address the unique exposure within the motorsports industry. Give us a call and make sure your client has appropriate coverage when the green flag drops.

Program Availability

Programs available in all 50 states.

  • General Liability (including Participant Legal Liability and Race Professional E&O)
  • Liquor Liability
  • Automobile
  • Accident Medical
  • Excess Liability
  • Property (including Crime)
  • Inland Marine
Coverage Available

Carrier rated A+, XV by A.M. Best. Programs offered on an admitted basis nationwide.


From the time automobiles were invented, people wanted to race them. Competition, fast cars and adrenaline have long ruled the day. The common bond among racing enthusiasts developed into motorsports associations that sanction races and serve as rule-making bodies. Our motorsports association program has long served the unique insurance needs of grassroots karting associations, sanctioning bodies, rule-making bodies and event promoters.

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Car Clubs

Our car club insurance program is designed for independent car clubs; local, regional and national clubs; single manufacturer clubs; collector car clubs and more. Common car club activities include track days, car shows, cruise-ins and meetings for members and enthusiasts. We make sure everyone is good to go with customizable programs to provide appropriate coverage for your clients’ needs.

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Driving Schools

We’re not talking about your teenage driving schools here. Our motorsports driving school program focuses on closed course driving experiences, karting schools and racing schools. Fixed-base and traveling schools are also eligible under our program.

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Race Teams

High-performance race teams need a high-powered insurance program to match. We insure all levels of race teams—stock cars, open wheel, drag racing, road racing, vintage, midget cars, sprint cars, etc. And our program isn’t limited to teams on the road—insurance for powerboat racing teams is also available.

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Outpace risk on the race track with coverage from American Specialty. Our race track insurance program runs a broad spectrum depending on your needs. Paved tracks, ovals, road courses, dragstrips and temporary courses are all eligible.

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Racing Events

Variety is the spice of the motorsports life. Our event insurance program covers Gymkana, autocross, lapping days, monster truck shows, thrill shows and endurance racing events. We can provide coverage for public, private and corporate motorsports events with our customizable motorsports program.

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Road Course Track Users

As a track owner, you may rent your facility to clubs, enthusiast groups and businesses who want to showcase their vehicles and experience the thrill of getting out on the track. American Specialty makes it easy and affordable for renters to meet your track’s insurance requirements.

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Sponsorship Liability

Many companies that provide sponsorships for race teams, racetracks or sanctioning bodies have a need for sponsorship liability. Did you know that the standard CGL policy includes exclusions that could cause problems for your client who sponsors motorsports-related activities? Don’t be caught off guard by exclusions you hadn’t thought about. Instead, fill in that potential gap in your client’s risk management portfolio with sponsorship liability coverage from American Specialty.

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