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Insurance for ATV Parks
All-terrain vehicles (ATVs) and ATV parks come with major thrills but also significant, inherent risks. Particularly at high speeds, ATVs can be prone to rolling over. Collisions can occur. And these incidents can be fatal for riders and spectators. Any ATV park needs insurance for ATV parks to operate without facing the risk of a potentially significant lawsuit.
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. One estimate says that ATV accidents cause 135,000 injuries per year and more than 700 fatalities. 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 insurance for ATV parks can prevent a business from facing and shouldering liability alone.
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 that 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
Despite taking precautions against collisions, rollovers, and mechanical failure, accidents can still occur, necessitating coverage in the form of insurance for ATV parks. Due to the exposure of the rider, ATV crashes can frequently have serious consequences.
The Consumer Product and Safety Commission found there were more than 15,744 ATV-related fatalities between 1982 and 2018. And according to the Nationwide Children’s Hospital, an average of 31 children were treated in US emergency departments for head and neck injuries related to ATVs. And, according to experts, the coronavirus epidemic corresponds with an increase in the popularity of motorsports. The hospital aims to raise awareness of the dangers of ATVs, particularly to children.
A suit filed in Utah early in 2021 demonstrates that bodily damage is not the only potential cause of legal action. Conservation groups have sued the US Department of the Interior, claiming that allowing ATVs in a recreation area would be destructive, damaging land and increasing noise pollution.
Call XINSURANCE for Insurance for ATV Parks
Powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage, XINSURANCE is an insurance broker providing specialty liability coverage. Our all-in-one partnership approach allows us to offer coverage despite a previous claims history or in instances where an insurer has denied an individual or business coverage.
If you would like to receive a quote for insurance for ATV parks, we invite you to visit our website, where you can send us a message, request a quote fast, and see more of our extensive product line. You can also get in touch with us using the following contact details:
We are looking forward to learning more about how we may be able to help you. Please contact XINSURANCE today for more information on our specialty liability insurance solutions and why it makes sense to partner with our dedicated team.
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.