Go Kart Track Insurance: Cost & Quotes From $35/mo

Table of contents

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.

General Liability Insurance for Go-Kart Tracks

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

Add-Ons to General Liability Insurance for Go-Kart Tracks

  • 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

Coverage Limits of General Liability Insurance for Go-Kart Tracks

General liability insurance coverage limits for go-kart tracks are $1 million to $2 million. But note that you can opt to get more. 


Are There Any Exclusions to Your General Liability Insurance for Go Kart Tracks?

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.


Can You Purchase General Liability Insurance Online?

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.

Compare Cheap Go Kart Track Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Commercial Property Insurance for Go-Kart Tracks

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

Add-Ons to Commercial Property Insurance for Go-Kart Tracks

  • 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

Coverage Limits of Commercial Property Insurance for Go-Kart Tracks

The coverage limit for commercial property insurance is $100,000 and above. But this amount depends on your property’s value and policy terms.


What Are the Effects of Not Acquiring Commercial Property Insurance?

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.


Business Owner’s Policy for Go-Kart Tracks

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.


Add-Ons to Business Owner’s Policy for Go-Kart Tracks  

  • 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

Coverage Limits of Business Owner’s Policy for Go-Kart Tracks

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.


Can You Bundle Your BOP With Other Policies?

You can bundle your BOP with other policies, such as workers’ compensation insurance. Bundling helps to save costs by enjoying attractive discounts.


What Will Happen If Your Business Outgrows the Coverage Offered by BOP?

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.


Tools and Equipment Insurance for Go Kart Tracks

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.


Add-Ons to Tools and Equipment Insurance for Go Kart Tracks

  • 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

Coverage Limits of Tools and Equipment Insurance for Go Kart Tracks

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.


Will Your Tools and Equipment Insurance Cover Lease or Rented Items?

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.


Commercial Auto Insurance for Go Kart Tracks

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

Components of Commercial Auto Insurance for Go Kart Tracks

  • 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

Add-Ons to Commercial Auto Insurance for Go Kart Tracks

  • 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

Coverage limits of Commercial Auto Insurance for Go Kart Tracks

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.


Do You Need to Insure Your Go-Karts Individually?

You can take a single policy for your go-karts instead of obtaining one for each.


Workers’ Compensation Insurance for Go-Kart Tracks

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.


Add-Ons to Workers’ Compensation Insurance for Go-Kart Tracks

  • 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

Coverage Limits of Workers’ Compensation Insurance for Go-Kart Tracks

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. 


Are There Any Exclusions to Your Worker’s Compensation Insurance?

Yes, this go kart business insurance has specific exclusions. It may not cover self-inflicted or criminal activities.


Is Your Go Kart Track Business Required to Have Workers Compensation Insurance?

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

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. 

Rank and Review Insurance Companies

Help others make better decisions

Show more

Go Kart Track Insurance Cost

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

Compare Cheap Go Kart Track Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Go-Kart Track Insurance Companies

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:


NEXT Go-Kart Track Insurance

Pros

  • 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 

Cons

  • 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


CoverWallet Go-Kart Track Insurance

Pros

  • Instant quotes

  • Easy application process

  • Can compare quotes from different providers

Cons

  • 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


The Hartford Go-Kart Track Insurance

Pros

  • Fast claims processing

  • Have local agents available

  • Ideal discounts for AARP members

Cons

  • 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


Tivly Go-Kart Track Insurance

Pros

  • Compare quotes over the phone

  • Affordable prices

  • Works with many providers

Cons

  • 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


Thimble Go-Kart Track Insurance

Pros

  • On-demand policies

  • Numerous add-ons to general liability insurance

  • You can purchase general liability insurance as a short-term coverage

Cons

  • 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


Hiscox Go-Kart Track Insurance

Pros

  • 14-day money-back guarantee

  • Easy-to-use online platform

  • Discounts available

Cons

  • 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 

Recent Reviews

Recent Posts


Additional Business Insurance posts