Coverage

The go-kart track insurance program

Karting has exposures generic business policies miss — starting with injuries to the drivers on your track. These ten coverages address all of them: general liability, participant & spectator liability, property, equipment & kart physical damage, workers' comp, auto, liquor liability, business interruption, waivers & risk management, and umbrella/excess.

General Liability

Protects your go-kart track or karting center against third-party bodily injury and property damage claims — the base coverage landlords, lenders, and vendors expect you to carry.

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Participant & Spectator Liability

Covers bodily injury to the participants driving your karts and the spectators watching — the exposure a standard general liability policy most often excludes.

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Commercial Property

Covers your building, track surface and barriers, arcade, furnishings, concession equipment, and contents against fire, storm, theft, and other covered perils.

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Equipment & Kart Physical Damage

Physical-damage coverage for your karts and operating equipment against collision, fire, theft, and other covered losses — the rolling stock your revenue depends on.

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Workers' Compensation

Pays medical bills and lost wages when a track marshal, mechanic, or team member is injured on the job — and it's legally required in nearly every state.

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Commercial Auto

Liability and physical-damage coverage for the trucks, vans, and trailers your karting business owns, uses to haul karts, or shuttles guests with.

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Liquor Liability

Protects your business from claims arising out of serving alcohol — a required coverage for any karting center or FEC with a bar, taproom, or event alcohol service.

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Business Interruption

Pays your lost revenue and continuing expenses when a covered property loss forces your karting business to close for repairs.

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Waivers & Risk Management

Guidance and coverage coordination around participant waivers, signage, incident documentation, and safety practices that lower your karting risk and strengthen your defense.

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Umbrella & Excess Liability

Adds a layer of liability protection above your general liability, participant liability, and commercial auto — essential for a high-severity activity like karting.

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Not sure which coverages you need?

Tell us about your track and how you operate. We'll assemble the right combination — no gaps, no upsell.

Get a Free Quote 844-967-5247