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 handle the risk so your clients can enjoy the rush. We built our motorsports insurance division to address the unique exposure within the motorsports industry. Give us a call and make sure your client is covered when the green flag drops.

Program Availability

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

Coverage Available

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


From the time automobiles were invented, there were those that wanted to race them.  Competition, fast cars, and adrenaline have long ruled the day and the common bond among racing enthusiasts developed into motorsports associations which sanction races and serve as rule making bodies.  Our motorsports association program has long-served the unique insurance needs of grass-roots 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 their members and enthusiasts.

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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 both eligible under our program.

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Race Teams

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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Race Tracks

Our race track insurance program runs the spectrum whether you have a couple hundred fans showing up on a Friday night at the local dirt track, or a couple hundred thousand on Sunday afternoon at the super speedway.  Paved tracks, ovals, road courses, dragstrips, and temporary courses are all eligible.  No track is too big, or too small!

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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.   Public, private, and corporate motorsports events are all considered. 

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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, race tracks, 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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