Go-karting is an adventurous event. It offers a thrilling experience as your customers race around the track at very high speed and compete to achieve the best lap times. But a go-kart can overturn or collide with another go-kart. In such a case, your clients may get arm or head injuries. Although these tracks have safety equipment, you must insure your go-kart venue. Accidents are inevitable; a go kart track insurance will cushion your business from devastating financial losses.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $300,000/$1,000,000 | $300,000 | $100,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
General liability insurance is integral for go kart track businesses. This insurance will protect your business from lawsuits and claims after an accident. It covers accidents such as flips and collisions of the go-tracks. The insurance will cover the following incidents:
Bodily injury–A customer is injured while operating a go-kart. The insurance covers medical, legal, and other related costs
Property injury–The go-karts can also cause property damage. The insurance will cover replacement and repair expenses
Product liability–The go-kart or any other equipment can malfunction and cause injuries to your clients. The insurance covers legal and defense costs
Umbrella liability insurance offers additional coverage beyond what the standard general liability insurance can cover
Employment practices liability insurance protects you against claims related to wrongful termination, harassment, and other violations of employee rights
General liability insurance coverage limits for go-kart tracks are $1 million to $2 million. But note that you can opt to get more.
Yes, there exist some exclusions, such as criminal and intentional activities. This policy will also not cover accidents resulting from your negligence or professional errors.
Yes, there are several insurance providers and brokers that operate online. You can conveniently purchase your policy and manage it through a mobile app or a website.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
This kart racing insurance covers your property, such as buildings, inventory, equipment, and other physical assets. This insurance covers multiple perils such as:
Fire
Water damage
Weather-related damages
Theft
Vandalism
Natural disasters
Flood insurance–If you have taken a named perils insurance policy that does not include flood incidents, you can take this policy as an add-on. This is fundamental in flood-prone areas
Earthquake insurance–This is another add-on you can take to cover earthquake events
The coverage limit for commercial property insurance is $100,000 and above. But this amount depends on your property's value and policy terms.
Your business will suffer financial losses if you don't have insurance coverage, as you will be required to use your business fund to cover replacement, repair, and rebuilding costs.
| CoverWallet | Thimble (Best) | NEXT | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $2,000,000 | $2,000,000 | $300,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $500,000 | $260,000 | $25,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
A business owner's policy (BOP) offers comprehensive insurance coverage for your go-kart track business. This policy merges different policies into one policy. It typically includes:
General liability insurance
Commercial property insurance
Combining these two policies is a cost-effective strategy. It also helps to manage your policy conveniently. Additionally, you can tailor the BOP to meet your business needs.
Equipment breakdown coverage protects your go-kart track business in case your equipment malfunctions. It covers repair and replacement costs as well as lost income
Crime coverage will compensate your business in the event of criminal activities such as embezzlement and theft
The coverage of BOP is $500,000 to $2 million for each occurrence. The actual coverage limits depend on your business's needs and your policy's terms.
You can bundle your BOP with other policies, such as workers' compensation insurance. Bundling helps to save costs by enjoying attractive discounts.
Your business may grow, and its insurance needs increase. In such a case, you can include additional coverage or take up a different policy that suits your business.
| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Your go-kart track business relies on expensive equipment and tools to operate. You need to insure these items are from common perils such as theft, fire, and vandalism. The tools and equipment insurance will provide coverage if your items are damaged or lost due to a covered event.
Transit coverage will help cover damages or losses while transporting your tools and equipment to a job site
Flood insurance will grant protection if the primary tools and equipment insurance does not include flooding events, you can include this as an add-on
The coverage limit for this type of go kart insurance is $10,000 to $250,000. But the insurer will have to estimate the value of your items to get the best coverage limit.
Yes, this insurance will also cover leased or rented items. But some insurance providers may require you to take additional coverage or increase your premiums.
This type of go kart business insurance covers your business-owned vehicles. It will cover all the commercial vehicles you use to operate your go kart track. Some of the perils covered include:
Accidents and collisions
Theft or vandalism of the vehicle
Fire or explosions
Bodily injury
Property damage
Injuries sustained by employees while using the vehicle
Damage to other vehicles or property caused by the insured vehicle
Liability coverage–This protects you if you or one of your employees causes an accident while driving a business-owned vehicle
Collision coverage–Covers your business vehicles in case of collision with other vehicles or objects
Comprehensive coverage–Covers all non-collision events such as vandalism or natural disasters
Uninsured/underinsured motorist coverage–Covers you if you get into an accident with a driver whose insurance cover is not enough to cover the damages. You can also use this in case the other driver isn’t insured
Medical payments coverage–Pays for the medical expenses of the passengers after an accident involving your business vehicles
Roadside assistance coverage–Helps with the cost of roadside assistance services if your business-owned vehicle breaks down
Rental reimbursement coverage–Will cover the costs of rental vehicles if your business vehicles are in the shop for repairs following an accident
Hired auto coverage–This coverage can help protect your business if you rent or lease vehicles for use in your go-kart track operations
Additional insured coverage–This coverage can extend liability protection to another party, such as a vendor or contractor performing services on your behalf
The coverage limit for commercial auto insurance is $500,000 to $1 million for each occurrence. But your business can receive higher limits depending on the number and value of your vehicles.
You can take a single policy for your go-karts instead of obtaining one for each.
A go kart track business attracts a measurable amount of risks. Your employees are not immune from these risks. They can get injured or fall ill while working. Worker's compensation insurance covers hospital bills. It also offers rehabilitation and death benefits.
Employer’s liability coverage–Covers you against lawsuits filed by injured employees who blame your negligence and cite it caused a work-related injury or disease
The coverage limit of workers' compensation insurance for go kart track depends on which state you’re operating. Check with the workers comp board of the state to know how much coverage your workers comp insurance can provide.
Yes, this go kart business insurance has specific exclusions. It may not cover self-inflicted or criminal activities.
Yes, this insurance cover is fundamental for your business if you have employees. Having this insurance is compulsory in most states. Failure to get insured will result in stiff fines and penalties.
Go karting travel insurance will cover you while you are traveling for racing, either for joining a competition or for leisure. It covers medical expenses, trip collection costs, and other related costs. Travel insurance is usually purchased as short-term coverage that grants protection until the trip has been over.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $92.24 | $1,106.88 | $0-$500 |
| Commercial property insurance | $100 | $1,200 | $1,000-$2,000 |
| Business owner's policy | $192 | $2,304 | $1,500 |
| Tools and equipment insurance | $96 | $1,152 | $500-$1,000 |
| Commercial auto insurance | $99 | $1,188 | $500-$1,000 |
| Workers compensation insurance | $118 | $1,416 | $2,500-$5,000 |
| Travel insurance | $94 | $1,128 | $0-$500 |
The average go kart track insurance cost is $92.24 per month or $1,106.88 per year for a $1 million general liability coverage. Factors that affect the cost of premiums are claims history, business history, deductibles, policy limits, and more. For a further idea of the go kart insurance cost, take a look at this table showing how much the best companies charge for a $1 million general liability insurance:
| Monthly Cost | Annual Cost | Best For | |
|---|---|---|---|
| NEXT | $78.33 | $939.96 | Best overall; Fastest general liability insurance for go kart tracks |
| The Hartford | $79.50 | $954 | Go-kart track businesses that want online tools and resources to manage their business insurance policies |
| CoverWallet | $81.17 | $974.04 | Comparing go track insurance quotes online |
| Tivly | $91.67 | $1,100.04 | Comparing go kart track insurance quotes over the phone |
| Thimble | $110.17 | $1,322.04 | Go-kart track business owners looking for short-term insurance policies |
| Hiscox | $112.57 | $1,350.84 | Go-kart track businesses looking for comprehensive insurance coverage |
Get all the best quotes from leading providers in a click of a button!
They are multiple insurance companies and brokers who provide insurance for go-kart track. But you need to cautiously review each company as some may not offer genuine offers. Here is a review of the best go-kart tracks insurance companies:
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for go kart tracks
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT is an outstanding insurance provider for small businesses. They offer their policies online, allowing you to quickly acquire a policy and file claims. This company does not specialize in specific industries, but all types of businesses can get single or bundled policies.
Best for: Best overall; Fastest general liability insurance for go kart tracks
Average cost: $78.33 per month
Our rating: 10/10
Instant quotes
Easy application process
Can compare quotes from different providers
Not an insurance company but an insurance broker
CoverWallet works with multiple providers to offer you the best quotes. They are a reputable broker who acts as an intermediary to many insurance carriers. This company will assist you in getting the best quotes depending on your needs. They also have a website to manage your policies and claims easily.
Best for: Comparing go track insurance quotes online
Average cost: $81.17 per month
Our rating: 10/10
Fast claims processing
Have local agents available
Ideal discounts for AARP members
Limited policies
The Hartford offers small and large businesses specialized insurance products. You can rely on them to offer your go-kart track business the best deals. They avail tools and resources that help you manage your insurance policies.
Best for: Go-kart track businesses that want online tools and resources to manage their business insurance policies
Average cost: $79.50 per month
Our rating: 10/10
Compare quotes over the phone
Affordable prices
Works with many providers
No mobile app
Tivly is a well-known insurance agency. It works with over 200 insurance providers to offer your business the best deals. You can conveniently select a provider that suits your budget and needs. Call now to compare quotes over the phone.
Best for: Comparing go kart track insurance quotes over the phone
Average cost: $91.67 per month
Our rating: 9/10
On-demand policies
Numerous add-ons to general liability insurance
You can purchase general liability insurance as a short-term coverage
Customer support is only available online
Thimble is an insurance provider that offers on-demand policies. You can acquire insurance coverage for a temporary or one-time project. They offer coverage even for hours, days, or months.
Best for: Go-kart track business owners looking for short-term insurance policies
Average cost: $110.17 per month
Our rating: 9/10
14-day money-back guarantee
Easy-to-use online platform
Discounts available
Online quoting not available all the time due to periodic site maintenance
Hiscox is another reputable insurance provider. It sells crucial insurance products to businesses. You can easily purchase their policies online and make claims on their website.
Best for: Go-kart track businesses looking for comprehensive insurance coverage
Average cost: $112.57 per month
Our rating: 9/10
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Not all those who wander are lost.
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