Motorsport Race Team Insurance

Workers Comp



Sports & Events



Motorsports Race Teams Insurance in California and 30 other States

Race Teams

Race teams have unique Insurance needs. K2 Insurance understands your exposures and has a variety of insurance products to cover every facet of your team. From your shop location to in-transit cross country as well as coverage in the Pits for your Competition vehicle. Coverage for anything associated with a race team is available.

Policy form specific to the MOTORSPORTS industry written by A Rated companies.

  • Race Shop
  • Tools & Equipment
  • Transit Rigs
  • Commercial Auto
  • Racing Association
  • Owners and Sponsors
  • Rider Event Liability
  • Directors & Officers
  • Competition Vehicles & Parts
  • Show Cars

Liability on Premises and away from Shop – Limits from $1,000,000 to $10,000,000.

  • Products Coverage
  • Spectator Liability
  • Garage Keepers
  • Crime
  • Workers Compensation
  • Excess Liability
  • Buildings
  • Business Property
  • Spectator Liability
  • Electronic Media
  • Inland Marine Coverage
  • Employee Benefits


General Liability

  • Comprehensive General Liability – limits to $1M each occurrence/$3M aggregate
  • Employee Benefits Liability
  • Coverage for emergency medical personnel
  • Errors & Omissions coverage for Race Officials available
  • Participant Legal Liability included available
  • Primary coverage for self-promoted events

Umbrella/Excess Liability

Large Excess Limits available


  • Race cars and equipment insured under Inland Marine while off-track
  • Blanket coverage available for buildings ,personal property, and business income
  • Ultimate Coverage – broad proprietary property coverage form including Flood and Earthquake


  • Owned/non-owned/hired auto
  • Rental reimbursement
  • Web-based Auto ID card issuance
  • Online defensive driving workshop

Crime and Fidelity

  • Employee Theft
  • Forgery or Alteration
  • Theft, Disappearance, and Destruction

Directors & Officers Liability

  • Defense costs for claims seeking non-monetary relief
  • Most favorable venue wording for punitive, multiple, or exemplary damages
  • Broad definition of Employment Practices Wrongful Act

How to apply

Download the applicable application below for your event:

Single Event Application

Owners & Sponsors Application

Off-course Property Application

Call Email Claims Payments