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Two motocross riders in midair

Keeping Daredevils Protected With Motocross Insurance

Many people are lured by the thrill of motocross. This fast-paced, adrenaline-packed sport is thrilling and impressive. Toe-curling bends, breath-taking speeds, and, more recently, death-defying jumps and tricks make this sport extremely exciting to watch and participate in. All this also makes insurance for motocross racers all the more important.

While motocross races are fairly short, they’re also one of the most physically demanding motorcycle sports available. Riders have to be in peak physical and mental condition to perform to the best of their ability and as safely as possible.

The problem with a dangerous sport is that sooner or later one of your participants is likely to suffer from an injury. Although motocross athletes are incredibly skilled and adept at controlling their bikes, accidents are likely and motocross insurance is necessary.

What Types of Injury Can Happen During Motocross?

A study monitoring injury in pediatric motocross athletes determined that out of 35 participants, all of them suffered an injury, including one causing death. Most of these injuries were fractures on the lower half of the body.

An injury could be something minor such as a dislocation or a hairline fracture that heals quickly, but motocross participants can also suffer significant and catastrophic injuries.

Out of the five most common motocross injuries, three are bone breakages. All involve long and uncomfortable recovery times.

What Other Damage Can a Motocross Bike Cause?

Not only the rider can sustain damage during motocross events or practice sessions. An out of control bike can also cause significant damage to property during crashes or collisions with other bikes. Unpredictable terrain, unforeseen obstacles, and natural events, such as extreme weather, can also make the motocross track a very hazardous place to be.

Collisions involving other people can also cause injury and harm, whether they are other riders or members of the public.

How Do I Protect Myself From Liability Or Injury?

The best way to protect yourself and your riders is to take the necessary safety precautions by ensuring that:

  • your riders are wearing adequate safety gear at all times during races and practice sessions.
  • broken safety gear is immediately replaced.
  • the bikes are regularly checked and maintained.
  • the track is checked for potential hazards and obstacles.
  • your riders only ride if they are in good health and injury-free.
  • your riders aren’t overtired or overworked.
  • practice sessions include adequate respite breaks.
  • riders receive all the necessary support and safety measures when attempting to learn new tricks and stunts.
  • riders observe speed limits.
  • riders observe safety rules.
  • your riders understand and follow race day rules.
  • there is adequate insurance coverage.

If you’re a commercial motocross business, you’ll likely be very aware that it’s extremely difficult to get motocross insurance for your riders. Most policies won’t cover such a high-risk sport leaving you wide open to liability claims.

Fortunately, there is an answer and we can provide it.

XINSURANCE are the specialists when it comes to providing coverage for high-risk and hard-to-insure occupations and activities. XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage, and our team has over 30 years of experience.

We take a 360-degree approach to providing coverage meaning that we consider all of your circumstances – past, present, and future, which then allows us to create a fully customized policy that provides complete peace of mind.

Even if you’ve been turned down for insurance in the past, including insurance for motocross riders, our team at XINSURANCE may be able to help you. We believe that no-one should be left to suffer the risk of costly lawsuits because no insurance firm would provide adequate coverage.

Our motocross insurance provides coverage for:

  • Motocross riders
  • Motocross racers
  • Dirt bike riders
  • Dirt bike racers
  • Injury to the rider*
  • Injury to others
  • Property damage
  • Unexpected accidents

*We can only provide participant coverage for commercial businesses that hold races – not for the individual. XINSURANCE does not provide medical insurance.

For more information, check out the motocross insurance page on our website.

How to Contact XINSURANCE

There are lots of ways to get in touch with XINSURANCE. Our website details our extensive product line and contains further information about XINSURANCE as a brand. Using our website may also be the most convenient way for you to receive a quote.

If you prefer, you can email us at or call us on 877-585-2853. Our team is ready and willing to advise you on the type of coverage you need and how XINSURANCE can help you.

Our office door is open for a face-to-face meeting during usual business hours, so if you happen to be in the Salt Lake City area, why not pop in and talk to us? We’re located at 8722 S. Harrison Street, Sandy, Utah 84070.

We’re also active on social media and have a presence on the most popular platforms. Find us on Facebook, Twitter, YouTube, LinkedIn, and Instagram and keep updated on XINSURANCE and how we’re helping people receive the coverage they need.

Finally, we like to get out and about to meet and talk to existing and potential customers. Keep an eye on our events calendar to see if we’re attending any expos or shows near you.

No matter your occupation or activity, don’t leave yourself open to risk, especially with a dangerous sport such as motocross. Get the insurance you deserve. This will allow them to continue performing eye-popping stunts and competing in fast and furious races to the best of their ability, worry, and stress-free.