XINSURANCE are the specialists when it comes to providing coverage solutions 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 40 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 solutions 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.

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.

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.

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.

You can easily start your quote request by filling out the form at the top of the page or you can speak with an underwriter by calling 877-585-2853. We’ll also be happy to review your current coverage to identify gaps and exclusions that could leave you vulnerable – this policy review is free and has no obligation.

If you’re a track owner looking for motocross track insurance, we offer customized insurance solutions for that too! You can easily include it with our motocross rider insurance under one policy with our unique all-in-one approach.

Click here to go to our motocross track insurance page!