Who insures it · 6 named markets · read 2026-10-28

Who insures go-karts?

Go-karts is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

6 markets publicly write go-karts: XINSURANCE (DBA of Evolution Insurance Brokers, LC), McGowan Allied Specialty Insurance, American Specialty Insurance & Risk Services, Inc., Alive Risk (Ryan Specialty Underwriting Managers), Insurance Allies, LLC (division of Specialty Program Group LLC) and others. 3 program administrators, 1 wholesaler, 1 MGA, 1 E&S carrier. 1 on admitted paper. 3 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
XINSURANCE (DBA of Evolution Insurance Brokers, LC) Wholesaler	Go-kart track owners/operators, go-kart rental businesses, clubs/associations and event organizers: physical damage on go-karts, spectator liability, on- and off-track risks, commercial auto, equipment rental liability; one-day and annual racing events. 'Excess and surplus lines insurance brokerage'. “Yes, XINSURANCE provides go-kart track insurance solutions and track day insurance solutions for businesses and individuals.”	not stated (commercial auto 'Available in most states')	Surplus lines	xinsurance.com · read 2026-10-28
McGowan Allied Specialty Insurance Program administrator	Go-kart businesses of any size from small tracks to large amusement parks: indoor/outdoor go-kart insurance, go-kart accident insurance, go-kart leagues, go-kart rental, commercial go-kart insurance, property damage, go-kart track risk management; customizable with arcade and other policies. “indoor or outdoor go-kart insurance, go-kart accident insurance, insurance for go-kart leagues, go-kart rental insurance”	nationwide (Areas We Serve page)	not stated	mcgowanallied.com · read 2026-10-28
American Specialty Insurance & Risk Services, Inc. Program administrator	Family entertainment centers and family fun centers with go-karts, batting cages, miniature golf, bowling alleys, rock climbing walls: property and casualty 'from coast to coast'. “Go-karts, batting cages, miniature golf courses, bowling alleys, rock climbing walls”	all 50 states ('PROGRAM AVAILABLE IN ALL 50 STATES')	Admitted	americanspecialty.com · read 2026-10-28
Alive Risk (Ryan Specialty Underwriting Managers) MGA	Go-karts as an indoor/outdoor family entertainment center attraction within the Amusement program. “FECs can include both indoor and outdoor attractions, including go-karts, miniature golf, arcade,”	not stated ('Some products may only be available in certain states')	Surplus lines	aliverisk.com · read 2026-10-28
Insurance Allies, LLC (division of Specialty Program Group LLC) Program administrator	'Go-Kart Venues' listed as an insured industry. Boutique brokerage in the entertainment and recreation space. “Providing Premium Insurance Coverage For These Industries:”	not stated (licenses listed for IL, CA, NY)	not stated	insuranceallies.com · read 2026-10-28
Prime Insurance Company E&S carrier	'Go-carts' listed among insurable attractions on the amusement and recreation liability page. “We can insure amusement parks and attractions across the country!”	all 50 states ('writes E&S business in all 50 states')	Surplus lines	primeis.com · read 2026-10-28

K&K's Motorsports Facilities program lists 'go kart concession tracks' as not eligible, and its Tourist Attractions page links 'Go Kart Operations Underwriting Guidelines' without stating a go-kart appetite in text. Safehold Motorsports (IGP Specialty) links '058—Karting Supplemental Application' and '050—Concessionaire Go-Kart Supplemental Application' forms but its page text does not state a karting appetite.

How go-karts gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

Check who's likely to insure yours

Hard to place?

Send it once. It goes to the markets that write it.

A few minutes to request the quote; it reaches the markets that take go-karts, and the answers come back by email.

Get a Quote Call (877) 711-4545

Not shopping yet?

Get a reminder before your renewal.

Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.