Insurance for ATV Parks

All-terrain vehicles (ATVs) and ATV parks offer major thrills but also significant, inherent risks. Particularly at high speeds, ATVs can be prone to rolling over, and collisions can occur. These incidents can be fatal for riders and spectators. Any ATV park needs insurance to operate without facing the risk of a potentially significant lawsuit.

The Dangers Your Park Faces

The inherent danger of ATVs is partly due to their design, which tends to lack crush protection for the rider and lateral stability, a dangerous combination. Following safety procedures could prevent many accidents and deaths, but the nature of ATVs means that there will always be risk. Where there is risk, there is insurance, and ATV park liability insurance can prevent a business from facing and shouldering liability alone.

The Consumer Product Safety Commission estimates that 10,287 people were admitted to the hospital due to ATV injuries in 2024. Data from the past 10 years shows that the biggest age groups that suffer ATV injuries or fatalities are those aged 10 to 19. The most common ATV injuries are:

1. Fractures
2. Contusions or abrasions
3. Strains and sprains
4. Lacerations
5. Internal organ injuries
6. Concussions

If riders suffer injury or death at your ATV park, you could be held liable. You could also be held liable for damage to property owned by park visitors, or even for environmental impacts of ATV use, such as land damage or noise pollution.

How to Advance ATV Safety

ATVs are more powerful and more popular than ever, so it’s imperative that ATV parks take every precaution to protect riders and ensure vehicle safety. To reduce the number of collisions, accidents, and rollovers, ATV parks should have a clear safety policy that ensures:

• Vehicles are checked before and after every use, including the brakes, tires, clutch, and gas tank.
• The capacity of any ATV is not exceeded.
• Riders understand how to ride an ATV correctly.
• Nobody who seems tired or under the influence of drugs or alcohol takes part in ATV riding.
• Riders are aware of the law and ATV park regulations.
• Participants receive and wear adequate protective gear.
• Trails are clearly marked by skill level and effectively maintained to avoid hazardous conditions.
• The park has first-aid kits and trained personnel on-site to respond to emergencies.

Protective gear for riders should include helmets approved by the Department of Transportation and that have a proper fit. You should also provide or require riders to bring goggles, gloves, long sleeves, long pants, and over-the-ankle boots. After equipping riders with the proper gear, you can ensure they know the laws and regulations by providing a safety briefing before letting them head out to the trails. Reduce the chances of injury for younger riders by offering youth-sized ATVs and ensuring appropriate supervision.

When incidents or near misses occur, keep careful records of what happened. These records may help you update safety protocols or respond effectively in the case of a lawsuit.

Check Out Our ATV Insurance Solutions

Get Specialized Insurance for Your Unique Risks

Despite taking precautions against collisions, rollovers, and mechanical failure, accidents can still occur, necessitating coverage in the form of off-road vehicle insurance solutions. Due to the rider’s exposure, ATV crashes can frequently have serious consequences, so seeking specialized coverage is essential.

In many cases, a standard business insurance plan may not provide the level of protection your park needs. Many general liability policies exclude coverage for high-risk recreational activities or won’t cover injuries to riders. Regular property insurance may not cover damage to specialized equipment like an ATV. If you’ve faced claims in the past, you may also struggle to find coverage.

Specialty insurance solutions can help cover your business and its unique risks. Here are the types of coverage you may want:

• Rental liability: This solution may cover physical damage to rental vehicles.
• Fleet insurance: This option offers identical coverage solutions for multiple vehicles in a single policy.
• Commercial general liability: Get a general liability solution aimed at ATV businesses that may help protect against third-party bodily injury and property damage claims.

Check out ATV Insurance Solutions

Get a Quote From XINSURANCE for Insurance Solutions for ATV Parks

Powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage, XINSURANCE is an insurance broker that identifies specialty liability coverage solutions, including insurance for ATV businesses. Our “all-in-one” partnership approach allows us to find coverage despite a previous claims history or when another insurer has denied coverage.

If you would like to receive a quote for insurance for ATV parks, reach out to us online. We are looking forward to learning more about how we may be able to help you.

Reviewed by Rick Lindsey, President, Chairman, and CEO of XINSURANCE

Rick 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. 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 Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick 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. 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 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.

Last updated on 07/13/2022