General Liability Insurance
General liability is the foundation of any motocross park or off-road facility insurance program. It protects against third-party claims of bodily injury or property damage arising from your operations.
General Liability for Motocross & Off-Road Parks
Operating a riding facility means inviting the public onto your property to do something inherently risky. General liability (GL) responds when a third party is injured or their property is damaged because of your operations — a rider's family member hurt in the pits, a guest injured away from the track, or damage to someone's vehicle or equipment on your grounds.
Why Riding Parks Need Specialty GL
Standard business and commercial carriers almost universally exclude motorsports, racing, and off-road riding. A generic policy bought online will not respond to the very activity your park exists for. We place your GL with specialty carriers that knowingly write motocross parks, off-road riding areas, and practice tracks.
What GL Covers
- Bodily injury: Third-party injuries connected to your facility and operations
- Property damage: Damage your operation causes to others' property
- Products & operations: Claims tied to concessions, rentals, or services you provide
- Defense costs: Legal defense even when a claim is groundless
- Additional insured: Landowners, sanctioning bodies, and sponsors you must cover
Limits and Requirements
Landowners, lessors, sanctioning organizations, and municipalities frequently require park operators to carry GL — commonly $1M per occurrence / $2M aggregate — and to name them as additional insured. We issue certificates and additional insured endorsements quickly so you stay compliant and keep the gates open.
GL Works With Participant Accident
GL covers third-party claims, but injured riders who signed your waiver are a different exposure — addressed by participant accident coverage. The two work together to protect your park.
What's Covered
Frequently Asked Questions
Almost never. Standard carriers exclude motorsports, racing, and off-road riding. You need specialty coverage built for motocross parks and off-road facilities — which is what we place.
$1M per occurrence / $2M aggregate is the common baseline required by landowners, lessors, and sanctioning bodies. We tailor limits to your lease, your events, and your exposures.