Full Coverage Range

Minibike & Pit Bike Insurance Coverage Options

Eight distinct coverage types built for the exposures homeowners and auto policies leave open — whatever you ride and wherever you ride it, there's a coverage built for it.

Rider Liability Coverage

Bodily injury and property damage protection if you or your rider are found responsible for an accident involving someone else — the foundational layer most tracks and clubs require.

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Physical Damage & Theft Coverage

Collision, comprehensive, and theft protection for the bike itself — including a path to insure the aftermarket parts and upgrades stock coverage won't replace.

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Medical Payments for Youth Riders

No-fault coverage that pays toward your rider's own injury treatment regardless of who caused the accident — filling a gap many health plans leave open for off-road riding.

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Track-Day & Organized Event Coverage

Coverage built for sanctioned track days, races, and organized events — exactly the competition-use exposure most standard motorcycle policies exclude outright.

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Trail & OHV Riding Coverage

Built for public OHV trails, BLM and forest-service land, and designated off-road parks — different exposures from a private track or backyard loop.

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Club & Event Liability Coverage

Organizational liability protection for riding clubs, race organizers, and private track or rental operators — covering spectators, participants, and property.

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Trailer & Transport Coverage

Protects the bike and the trailer itself while in transit to and from tracks or trails — a gap most tow-vehicle auto policies don't actually fill.

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Off-Season Storage Coverage

A lower-cost stored/non-operating endorsement for the months your bike sits in the garage or storage unit instead of on the track — coverage that flexes with your season.

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Fast online quotes. No obligation. Coverage built for track, trail, and private-property riders nationwide.

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