Go-Kart Insurance

Specialty insurance solutions tailored to your unique needs.
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Don't skid on protection: turbocharge your go-kart insurance with XINSURANCE.

Trust the specialists who understand the unique risks of go-karting, providing customized insurance solutions that keep you in the lead.

What is Go-Kart Insurance?

Go-kart insurance is essential for any go-kart business or enthusiast, providing a safety net for unforeseen circumstances on the track.

As a go-kart business operator, having proper insurance coverage ensures that you can operate safely and confidently, knowing that you are protected against potential risks and liability. It offers peace of mind, allowing you to focus on providing thrilling experiences for your customers without worrying about the financial implications of accidents or damages. For go-kart enthusiasts, having go-kart insurance provides an added layer of protection, allowing you to fully enjoy the exhilaration of the sport while knowing that you can be covered in case of unforeseen events.

With XINSURANCE, you can trust our expertise and industry-specific knowledge to provide you with tailored go-kart insurance solutions that cater to your unique needs, ensuring that you can enjoy the excitement of go-karting with confidence.

Who Should Have Go-Kart Insurance

  • Go-Kart Track Owners/Operators
  • Go-Kart Rental Businesses
  • Professional & Amateur Racers
  • Individual Go-Kart Owners
  • Race Kart Teams/Owners
  • Go-Kart Clubs/Associations
  • Go-Kart Event Organizers
  • And More!
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Go-Kart Insurance Coverage Options

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Physical Damage

Coverage for physical damage on the go-karts.

Spectator Liability

Coverage for third-party bodily injury and property damage involving spectators at the track.

On and Off Track

Coverage for certain risks that can occur on and off the race track.

Test Driving

Coverage for test drives with scheduled vehicles.

Annual Policy Covering Scheduled Events

An annual policy is available even if you only have 1 event on the books, then we schedule the rest of the events as they arise to that annual policy.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Active Shooter Liability

Liability protection in the event of an active shooting taking place on company property. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

Special Events Liability

Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.

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How To Get A Quote

Request Your Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQ About Go-Kart Insurance

How much does Go-Kart Insurance cost?

There are various factors that determine the cost of go-kart insurance, including the type of coverage needed, the value of the go-karts, the track location, claims history, safety measures implemented, and more.

Is go-kart insurance mandatory?

The requirement for go-kart insurance varies depending on the location and type of activities involved. Some tracks, rental facilities, or events may require insurance coverage, while for individual go-kart owners, it is not typically mandatory but highly recommended for their protection.

Can go-kart insurance cover both owned and rented go-karts?

Yes, our go-kart insurance solutions can provide coverage for both owned go-karts and those that are rented out to customers. It is important to ensure that the policy includes coverage for both scenarios.

Does go-kart insurance cover racing events?

Yes, XINSURANCE can offer coverage solutions for go-kart racing events. We can cover a one-day event, annual events, or anything else you have scheduled.

Do you need go-kart insurance for your business?

Picture this: a group of drivers is lining up to take their positions as one race comes to a close. Because the gate wasn’t securely locked, one of the drivers entered the track early and got hit by a go-kart. What happens next?

This is obviously a frightening and severe situation. It’s important that you have insurance to cover any expenses that are associated.

The majority of the time, general liability insurance will cover accident-related medical expenses. It can also cover additional damages that may be awarded in a lawsuit. This is why go-kart track insurance is crucial for business owners.

This is why go-kart track insurance is crucial for business owners—to help protect them and their businesses from financial loss in the event of an accident, incident, or lawsuit.

Also, local laws may require your business to have liability insurance with certain limits, and in some cases, liability insurance can be the difference between staying in business or having to shut it down for good.

What insurance coverage do I need on a go-kart insurance policy?

There are various additional types of coverage you should be aware of, even though general liability insurance is the most crucial.

The first type of go-kart track insurance we’ll mention is equipment rental liability. This coverage may protect rented go-karts and possibly other pieces of equipment used to operate a recreational business.

Commercial auto insurance is also an available type of go-kart business insurance. This type of insurance coverage must insure all automobiles utilized for business purposes. Your personal auto insurance coverage will not cover any associated damages if you cause injury to another person or damage to another person’s property while driving a company vehicle.

Do you provide go-kart track insurance?

Yes, XINSURANCE provides go-kart track insurance solutions and track day insurance solutions for businesses and individuals. We can also find solutions for vehicles or tracks other than go-karts, including motorcycles, exotic cars, racecars, and more.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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Go-Kart Liability Insurance

Go-kart drivers, courses, and businesses are covered with customized liability insurance solutions from XINSURANCE – get true peace of mind today!

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service