Race Track Facility Insurance Coverage Checklist
The coverages a race track facility business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for race tracks and motorsports facilities. Priorities reflect typical exposure; confirm against events and crowds.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Spectator Liability | Covers fans struck by cars or debris — the defining exposure. | Core | |
| Participant Legal Liability | Covers claims by drivers and crews — often excluded from general liability. | Core | |
| Umbrella / Excess Liability | Adds limits for a crowd-impact disaster — sanctioning bodies may require high limits. | Core | |
| Liquor Liability | Needed if alcohol is sold. | Situational | |
| Commercial Property & Event Cancellation | Covers facilities and lost event revenue. | Prevalent | |
| Workers' Compensation | Covers track staff, safety crews, and officials. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is participant coverage. Many general liability policies exclude injuries to drivers and crews, and spectator waivers may not hold when barriers fail. Tracks should carry participant and spectator liability with high umbrella limits, and require renters and promoters to insure the track.
Send us the checklist and we'll review your race track facility coverage line by line, then market it across multiple carriers that compete for your account.
Related: Race Track Facility Insurance · Race Track Facility Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a race track facility business need?
The core coverages for a race track facility business are Spectator Liability, Participant Legal Liability, Umbrella / Excess Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my race track facility coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.