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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.