Customized coverage solutions for while you practice and compete.
Don’t let insurance limits slow you down. We offer specialty liability insurance solutions that keep up with your pace.
What is Motocross Rider Insurance?
Most motocross insurance policies do not provide coverage for participants of the sport while practicing or competing. Motocross rider insurance from XINSURANCE will provide specialty liability insurance solutions for third-party bodily injury and third-party property damage so you can ride and race with true peace of mind. Liability insurance can act as your financial and legal safeguard in the exhilarating yet unpredictable world of motocross racing.
Choosing to partner with XINSURANCE means opting for a shield that understands and values your passion for motocross. We embrace the inevitability of risks associated with the sport and stand ready to provide you with support when you need it the most. In an environment where traditional or cheap insurance policies often fall short, our commitment is to offer a sense of security that keeps pace with your lifestyle, enabling you to pursue your passion with confidence and peace of mind. With XINSURANCE, you will be backed by a partner who fights for you amidst challenges and uncertainties.
Who We Can Help
- Motocross Racers & Riders
- Dirt Bike Racers & Riders
- Amateurs & Professionals
- And More!
What Dirt Bike Insurance Coverage Should Riders Have?
General Liability
Provides coverage for injuries and property damage sustained by third parties.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Equipment Coverage
This coverage 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.
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.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
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
FAQs About Motocross Rider Insurance
Why do I need motocross rider insurance?
Due to the high-risk nature of motocross, having insurance protects you financially against potential accidents, injuries, equipment damage, and liabilities arising from your participation in the sport.
Do I need insurance to participate in motocross events?
While not always mandatory, having insurance is highly advisable for participation in events to cover any liabilities or injuries that might occur.
Can I get insurance if I'm an amateur motocross rider?
Absolutely, motocross rider insurance caters to both amateur and professional riders, ensuring protection regardless of your competitive level.
Are my motocross bike and gear covered?
Our insurance solutions can be customized to include coverage for your bike and gear against limited theft, damage, or loss.
Do you provide liability insurance for motocross tracks?
Yes, if you’re a track owner looking for motocross track insurance, we offer customized insurance solutions for that, too! With our unique all-in-one approach, you can easily include it with our motocross rider insurance under one policy.
Click here to go to our motocross track insurance page!
What about coverage for motocross instructors or coaches?
Professional liability insurance is available for motocross instructors and coaches to protect against claims of negligence during training.
How do I protect myself from liability or injury?
The best way to protect yourself is to take the necessary safety precautions by ensuring that:
- you 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 only ride if they are in good health and injury-free
- your aren’t overtired or overworked
- practice sessions include adequate respite breaks
- you receive all the necessary support and safety measures when attempting to learn new tricks and stunts
- you observe speed limits
- you observe safety rules
- you 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.
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.
How much does motocross rider insurance cost?
The cost varies based on the extent of coverage, your experience level, and other risk factors. It’s best to contact us and tell us more about you and your insurance needs to get a personalized quote.
Motocross Insurance
We provide motocross insurance solutions that offer an all-in-one policy for businesses and individuals. Get the liability coverage you need under one policy tailored to your needs.
Get a quote today!
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– 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
Outdoor Recreation
We provide liability insurance solutions for businesses and individuals in the outdoor recreation industry. We can help tour companies, rental companies, instructors, tour guides, and much more.
Snowmobiling
We provide specialty liability insurance solutions for all things snowmobiling – rental companies, guides and tours, instructors, operators, racing, trail clubs, and more!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
