Track liability coverage

Track liability coverage is a specialized motorsports insurance that protects drivers and event organizers from financial responsibility for bodily injury or property damage occurring on a racetrack. Track liability policies typically exclude coverage for intentional acts, mechanical breakdowns, and off-track incidents.

Insurers such as K&K Insurance and Lockton Motorsports offer track liability coverage with limits ranging from $1 million to $10 million per occurrence. Policyholders must provide proof of safety compliance, including waivers signed by all participants and adherence to sanctioning body rules like those set by SCCA or NASA.

Track day events at venues like Lime Rock Park or Circuit of the Americas often require organizers to show evidence of track liability insurance before booking dates. Premiums for single-day amateur events can range from $300 to $2,000 depending on participant count and risk factors such as vehicle type or speed class.

Track liability does not cover personal vehicles; owners need separate on-track physical damage (HPDE) policies through providers like Hagerty or OpenTrack. Claims under track liability are subject to investigation, with insurers examining incident reports, video footage, and witness statements before payout decisions, according to a report from the Insurance Information Database.

Some states–such as California and Texas–mandate minimum insurance requirements for public-access motorsport facilities hosting competitive events.