Who insures motorsports tracks and racing teams?
Motorsports tracks and racing teams 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.
4 markets publicly write motorsports tracks and racing teams: K&K Insurance Group, Inc. (Aon), Lockton Motorsports (Lockton Affinity, LLC), Safehold Motorsports (division of IGP Specialty), McGowan Allied Specialty Insurance. 2 MGAs, 2 program administrators.
By Sam Alishahi, independent insurance broker
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 |
|---|---|---|---|---|
| K&K Insurance Group, Inc. (Aon) MGA | Motorsports facilities and racetracks: drag strips, road courses, oval tracks, specialty racing facilities; eligible classes include boat racing, demo derbies, drag racing, motorcycle racing, oval track racing, racing associations, road courses, snowmobile competitions; commercial property & casualty and participant accident. Not eligible: non-competitive participation facilities (go kart concessi “This program is designed for operators of competitive racing venues and sanctioned events,” | not stated ('may not be available to all applicants in all states, and may vary by state') | not stated | kandkinsurance.com · read 2026-10-28 |
| Lockton Motorsports (Lockton Affinity, LLC) Program administrator | Track owners: injury to spectators, property damage, participant legal liability, participant excess medical and AD&D, damage to structures/business property/business income, liquor liability. Also HPDE/track day and time trial physical damage for participants, off-track and autocross coverage, event organizer insurance. Administered by Lockton Affinity. “With Track Owner Insurance from Lockton Motorsports, you and your track are well protected.” | 'Not available in all states.' | not stated | locktonmotorsports.com · read 2026-10-28 |
| Safehold Motorsports (division of IGP Specialty) MGA | Car clubs, racetracks and motorsports facilities, race events, race teams (Race Team Supplemental Questionnaire), karting (Karting and Concessionaire Go-Kart supplemental applications): general liability (spectators, owners and sponsors, automobiles, tracks and facilities, liquor), participant primary and excess medical, excess limits, claims management. 'As a managing general underwriter, our ins “From car clubs to racetracks, Safehold Motorsports, a division of IGP Specialty” | 'Territory: National' | not stated | igpspecialty.com · read 2026-10-28 |
| McGowan Allied Specialty Insurance Program administrator | Motorsports attractions, race tracks and race events: track days, go-karts, autocross, competitive racing; vehicles during transport, storage and in the paddock; participant injury liability; track equipment (starting lights etc.); track surface damage; event cancellation; motorsports claims professionals. “McGowan Allied Speciality Insurance provides tailored coverage for your motorsports attraction, race track or race event,” | nationwide (Areas We Serve page) | not stated | mcgowanallied.com · read 2026-10-28 |
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