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Owning and operating a go-kart business is a fun and unique investment; however, it’s full of liabilities. Commercial general liability insurance is the most popular insurance coverage for business owners, but additional liability coverage should be included in your policy. Are you curious about getting go-kart insurance? If so, you’ve come to the right place. Here, we’re sharing what you need to know about why you need go-kart business insurance.

With XINSURANCE, you can have an all-in-one policy that provides customized coverages built into one policy! We can fill the gaps and cover the exclusions in your insurance policy that other insurance companies can’t or won’t provide. Whatever you need, we can help to find the best go-kart insurance solution for you!

go kart insurance and go kart track insurance
go kart insurance and go kart track insurance


Who Should Have Go-Kart Insurance?

XINSURANCE provides customized liability insurance solutions for businesses and individuals in the karting industry. We can help the following:

  • People like you who are involved in racing
  • Professional racers or amateur racers
  • Race kart teams and owners
  • Professionals and amateurs who are at risk for liability issues when racing vehicles
  • Kart Racers
  • Kart Racing Events
  • Kart Track Owners
  • And More!

What Coverages Are Available with Insurance for Go-Karts?

We have an all-in-one approach for go-kart insurance that can provide all coverages under one policy. If you have gaps and exclusions in your current policy, we can cover those as well. Examples include:

  • 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.
  • 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.
  • Transport: Coverage for go-karts in transit for business purposes.
  • Storage: Coverage for go-karts that are stored in places like a garage.
  • Spectator liability: Coverage for third-party bodily injury involving spectators at the track.
  • Physical damage: Coverage for physical damage on the go-karts.
  • Commercial auto (available in most states): Provides auto liability coverage for your company-owned vehicle or personally-owned vehicle that is primarily used for business purposes.
  • Commercial general liability: Provides coverage for injuries and property damage sustained by third parties.
  • Active shooter liability coverage: Liability protection in the event of an active shooting taking place at company property.
  • Communicable disease coverage: This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19.
  • 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.
  • Equipment coverage: Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.
  • Personal liability: Personal liability protection in the event of an accident and a claim is made against you.
  • 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.
  • Property coverage: Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft.
  • 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.
  • Tru Umbrella / Excess liability: Additional coverage to fill the gaps and exclusions in your existing policy.
  • And more: We provide customized coverage solutions so let us know everything you want to have covered and we can find a policy that suits your needs!

Please note that we do not provide workers’ compensation.

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 enters the track early and gets hit by a go-kart. What happens next?

This is obviously a frightening and serious 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 you and your business 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.

Other Types of Go-Kart Business Insurance

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’re going to mention is equipment rental liability. This type of coverage may protect rented go-karts and possibly other pieces of equipment that are 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.

Go-Kart Track Insurance

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

Go-Kart Insurance Quote

Get your free go-kart insurance quote today by filling out the form at the top of the page to get started! We would also be happy to review your current coverage to identify gaps and exclusions that could leave you vulnerable – it’s also free and no obligation. Get started today!



XINSURANCE is a DBA of Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage, providing specialty liability insurance solutions. The company offers insurance solutions when an individual or business has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE provides businesses and individuals with access to customized liability insurance policies that cover gaps in your traditional coverage. They provide you with true peace of mind. With over 40 years of experience in the industry, they will be your trusted partner. XINSURANCE will fight for you when no one else will.

Why Should You Choose XINSURANCE for Go-Kart Business Insurance?

A lot of insurance policies impose very low limits or exclusions. They may not even cover liability insurance at all. For true peace of mind, you need specialty liability insurance.

We assess your situation to find you the best, comprehensive coverage for your requirements. As specialist brokers, we can even offer solutions to those who have been denied insurance before or those who have a claims history.

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