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Insurance for Mud Races

Helping to Remove Litigation Obstacles for Mud Races

Insurance for Mud Races

MudFest is down and dirty and one of the biggest events to hit the south. Here’s where you’ll find vehicles (typically four-wheel drives) driving through a pit of mud or a track. Drive the entire distance of the pit and you’re the winner. If several participants travel the entire length, the truck that crosses the pit first wins. The American Mud Racing Association and the National Mud Racing Organization (NMRO) oversee and govern the sport. Then there’s MudFest for “vehicles” of the two-legged kind. Across the country, people of all ages compete on a mud-run obstacle course across challenging terrain. It’s great fun and a great workout.

Yet, whether on foot or four wheels, MudFest is potentially a hotbed of danger. An 11-year-old boy was killed after an ATV accident at Wright MudFest in southern Illinois in 2016. That same year, four people suffered traumatic injuries at the Okeechobee Mudding event in Florida. The list of hazards detailed on the waiver signed by participants is daunting. It runs the gamut from strains, sprains, broken bones and musculoskeletal injuries, including head, neck and back injuries, to cuts, abrasions, bruises and cardiac-related illness.


The owners of any MudFest or mud race event would be wise to go well beyond the waiver to protect themselves. Specialty liability insurance from XINSURANCE can help ensure your business remains free from financial harm. XINSURANCE has decades of experience finding insurance solutions for the recreational industry, from Colorado river runners and guides, to MudFest — anything that has “fun” written all over it.

We offer a new approach to insurance, with direct access to underwriting expertise, risk management assessments, advice and customer service. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal and business protection.

Even you’ve been canceled or denied coverage, or you’ve filed bankruptcy or perhaps you’re growing too fast, XINSURANCE can help. So no matter the risk or history, you can rest easy we have you covered this MudFest — and every MudFest!

For more information about XINSURANCE, contact us.

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.