Commercial Property Insurance
Commercial property covers the physical assets of your facility — clubhouse, buildings, track-prep equipment, machinery, fencing, and fixtures — against fire, storm, theft, and other covered perils.
Commercial Property for Motocross & Off-Road Parks
A riding facility represents a major physical investment: a clubhouse or pro shop, restrooms and outbuildings, track-prep equipment (tractors, water trucks, graders), fencing and barriers, lighting, signage, and concession equipment. Commercial property insurance protects those assets when a covered loss occurs.
What's Covered
- Buildings & structures: Clubhouse, pro shop, restrooms, storage, and outbuildings
- Track equipment & machinery: Tractors, water trucks, graders, and prep equipment
- Fencing, barriers & lighting: The infrastructure that makes the park operable and safe
- Business personal property: Tools, concession equipment, furniture, and inventory
- Equipment breakdown: Mechanical and electrical failure of critical systems
- Business interruption: Lost income and continuing expenses after a covered shutdown
Weather and Theft Are Real Threats
Outdoor facilities are exposed to wind, hail, flood, and wildfire, and remote parks are theft targets for equipment and copper. We build property programs that reflect how and where your park operates, with limits that match the real replacement cost of your buildings and machinery.
Business Interruption Matters
If a fire or storm damages your clubhouse or destroys your track-prep equipment, business interruption coverage replaces lost revenue and covers ongoing expenses while you rebuild — so a property loss during your season doesn't become a closure.
What's Covered
Frequently Asked Questions
Yes — tractors, water trucks, graders, and similar equipment can be covered, along with your buildings, fencing, and concession gear. We set limits to match the real replacement cost of your assets.
For most parks, yes. If a covered loss shuts you down mid-season, business interruption replaces lost income and covers ongoing expenses while you recover.