Track Operators Insurance
Your tailored solution for motorised motorsport protection.
Why choose Howden for Track Operators' Insurance?
Howden is the new name for Primo.
When it comes to sourcing track operators’ insurance cover, we as an insurance broker race to make sure you get your hands on the best policies, as soon as possible.
Due to the great relationships we have with a wide range of leisure and sport insurers, we make the process of comparing multiple track operator policies, on your behalf, simple and hassle free. What’s not to like?
We also recognise that each policy needs to be as individual as its owner and their business, and that’s why we provide a race-ready service, focused on getting to know you and finding out exactly what you want from your track operators’ insurance.
All in all just know, whether you need to purchase a new leisure or sport policy, renew an existing one, or even just make a claim, we’re always here to help.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- In-depth knowledge of the motorsport industry and the specific risks associated with track operations.
- Bespoke solutions that fit your unique business model and risk profile.
- Speak with your local insurance broker, within your community.
- Comprehensive claims support, guiding you through the process and ensuring a smooth and timely resolution.
Track Operator Insurance: How does it work?
The thrill of motorised racing, whether it's go-karts, quads, mini-motos, or other vehicles, brings both excitement and inherent risks. At Howden, we understand the unique challenges faced by track operators. That's why we offer bespoke insurance solutions designed specifically for the motorsport industry, ensuring your business is protected so you can focus on delivering unforgettable experiences.
We don't believe in one-size-fits-all insurance. Our experienced motorsport insurance brokers work closely with you to understand your specific operations, from the types of vehicles you host to the size and layout of your track. This allows us to create a bespoke insurance package that addresses your precise risks, ensuring you're adequately covered without paying for unnecessary extras.
What does Track Operators' Insurance cover?
Public Liability Insurance
Safeguard your business from claims arising from injuries or property damage suffered by third parties, including spectators and participants, due to your track's operations.
Employers' Liability Insurance
A legal requirement for businesses with employees, this covers your financial obligations for compensation claims from staff who are injured or become ill due to their work.
Optional enhancements to elevate your cover
All Risks Cover
Protect your valuable equipment, such as vehicles, timing systems, and safety gear, from theft, damage, and loss.
Business Interruption
Safeguard your income in the event your track is temporarily unable to operate due to covered events like fire, flood, or equipment failure.
Goods in Transit
Ensure your equipment is protected while being transported to and from your track or events.
Money and Banking
Cover loss or theft of cash and cheques on your premises or in transit to the bank.
Our brokers can also discuss additional extensions tailored to your unique needs.
Don't leave your track's future to chance. Contact our team of motorsport insurance experts today for a free consultation and a personalised quote. We'll work with you to create a comprehensive insurance solution that gives you peace of mind and allows you to focus on what you do best – delivering exhilarating motorsport experiences.
Track Operator Insurance FAQs
What is track operator insurance, and why do I need it?
Track operator insurance is a specialised insurance policy tailored for businesses that operate tracks for motorsport activities, such as go-karting, quad biking, and mini-moto racing. It's essential because these activities carry inherent risks of accidents, injuries, and property damage. This insurance protects your business from financial losses due to potential liabilities and legal claims.
What types of cover are typically included in track operator insurance?
The core coverages usually include:
- Public Liability Insurance: Covers legal costs and compensation claims if a member of the public is injured or their property is damaged on your track.
- Employers' Liability Insurance: A legal requirement if you have employees, this covers compensation claims if an employee is injured or becomes ill due to their work.
- Property Damage Insurance: Covers damage to your track, buildings, structures, and equipment due to events like fire, theft, or vandalism.
Do I need track operator insurance even if I have my own personal insurance?
Yes, your personal insurance likely won't cover claims arising from your business operations. Track operator insurance is specifically designed to address the unique risks associated with running a motorsport track.
What factors affect the cost of track operator insurance?
Several factors influence your premium, including:
- Type of motorsport: Some activities, like quad biking, may be considered higher risk than others.
- Number of participants: Larger events or higher participant numbers typically mean higher premiums.
- Track layout and condition: Tracks with challenging features or those in poor condition may have higher premiums.
- Safety measures: Robust safety protocols and staff training can help reduce your premiums.
Can I get insurance if I have a mobile track that I move to different locations?
Yes, mobile track operator insurance is available. It typically covers your equipment and liability while your track is in transit and set up at different locations.
Does track operator insurance cover my racing vehicles?
You can typically include cover for your racing vehicles under an all-risks policy or a separate motor insurance policy, depending on your specific needs and insurer's offerings.
What happens if a participant signs a waiver, does that absolve me of liability?
While waivers can be helpful in limiting liability, they don't completely absolve you of responsibility. Having comprehensive insurance is crucial in case a waiver is not upheld in court or if the incident falls outside the scope of the waiver.
How can I reduce my track operator insurance premiums?
To potentially reduce the cost of your track operator insurance premiums, you could do the following things:
- Implement and enforce strict safety rules and regulations.
- Regularly inspect and maintain your track and equipment.
- Provide thorough training for staff and participants.
- Invest in high-quality safety equipment.
- Maintain a clean claims history.
What should I do if an accident occurs on my track?
Ensure the safety of everyone involved and follow your established emergency procedures. Notify your insurance broker or insurer as soon as possible and provide them with all relevant details.
Why should I choose a specialist broker for my track operator insurance?
Specialist brokers like Howden have in-depth knowledge of the motorsport industry and can tailor a policy to your specific needs. They can also help you navigate complex insurance terms, negotiate competitive rates, and provide valuable advice on risk management.
More Resources
Articles about running a small business
Read any of the articles below to learn more about going self-employed, or starting and running your own small business:
Day-to-day running your business
- Running a business from home: Council rules in the UK
- Is your business ‘outstanding’?
- Turn business challenges into triumphs
- How does diversity help your business grow?
- Minimum wage rise - good or bad news for small businesses?
- What is the UK tax return deadline?
- New legislation impacting your business
- What is Employment Allowance UK?
- VAT return: all the information you need
- 21 of the smartest van storage ideas
- Do I need business insurance?
Starting your own business
- Business insurance brokers: what are they and how can they help?
- How to trade mark a name in the UK
- What’s on the HMRC starter checklist?
- Small Business Grants to Be Aware of in the UK
- How to Register a Name for a Business in the UK
- What to know about your business tax account (HMRC)
- Types of Business Insurance You Should Know About
- What business insurance do I need?
- How to Invoice as a Sole Trader: Your Step-by-Step Guide
- Sole Trader Advantages & Disadvantages
- What is a sole trader in the UK?
- How to register for VAT in the UK
Self-employed professionals
Latest guides on business terminology, documents and formulas
There are so many business documents, formulas and terminology that need to be considered when operating a business. Here are some guides on key aspects of business:
Business calculations & formulas
- Margin of safety: formula, and more
- How to Calculate Turnover for Your Company
- Gearing ratio: what to know for your business
- How to calculate VAT: A complete guide
- Working capital: formula, plus more
- Cost of sales formula: how to calculate CoS
- Cost of goods sold: formula and more
- How to value a business: step-by-step guide
Business jargon
- CapEx vs OpEx: What’s the difference?
- What is the domestic reverse charge?
- Per diem: meaning, examples, and more
- What is Turnover in Business? A Complete Guide
- What to Know About Return on Capital Employed (ROCE)
- What is PAYE? All the info you need
- What is Employment Allowance UK?
- Markup vs margin: what’s the difference?
- How much is a damp proof course?
- What is a holding company?
- What is Capital Expenditure in Business?
- What is a PO number?
- What is operating profit?
- Salary advance: key info for employers
- What is equity in business?
- Non-current assets: your guide to the key info
- What is a breach of confidentiality?
Business documents
Guides about business liability insurance
Making sure your business is covered with the right liability insurance is crucial – whether it be public liability, employers liability, professional indemnity insurance, or something more specific.
Read up on how different types of liability insurance work by reading any of the articles below:
- Is public liability insurance compulsory?
- The Difference Between Employee & Public Liability Insurance
- What is Public Liability Insurance? (Full Guide)
- All you need to know about public and product liability insurance
- What’s the average employers’ liability insurance cost?
- How Much is Public Liability Insurance?
- Public Liability Insurance Certificate: All You Need to Know
- Why now is the time to take out Public Liability
- What is Employers’ Liability Insurance?
- What is Professional Indemnity Insurance? Your Complete Guide
- What is Errors and Omissions Insurance?
Other guides about specific small businesses
Interested to learn more about specific small businesses and professions? Find out more in any of latest business guides below:
- Insurance for takeaway businesses
- How to Start a Cleaning Business: 7 Steps to Take
- Run a vaping shop? Make sure your business is protected
- Built to last: insurance essentials for joinery businesses
- How to Become a Carpenter in the UK
- Mitigating flood risk for printing businesses
- Accounts payable: what you need to know
Karting Insurance
Insurance policies ready for the track
We source only the best value karting operator policies from our trusted insurance providers.
Event Insurance
Insurance policies perfect for all sporting events, big or small.
From local marathons to large scale sporting events, we can help you and your organisation find the right policy for your sporting event.
Coaches' Insurance
Specialist protection for sports coaches.
Let our team help you find a specialist policy that can provide adequate protection for you whilst you coach.
Laser Tag Insurance
Insurance solutions that support laser tag businesses.
Need cover to protect your laser tag operation? Look no further than Howden.