Non ROAR track insurance
07-18-2012, 07:37 PM
#1
Non ROAR track insurance
Anyone on here have experience with getting insurance for a backyard track without going through ROAR? Our local backyard track has exploded and last weekend we had 50 racers and probably 150 people over all show up. The owner is getting nervous about liability (can't say I blame him). I have heard of people going through a broker, but the ones I have contacted haven't been much help. Any leads would be greatly appreciated.
Thanks!
Thanks!
07-18-2012, 07:47 PM
#2
Can't do a thing without re-zoning from residential to commercial.. Otherwise, their homeowners insurance provider would probably dump their ass, if they found out what was going on.. Lol
Oh and waivers don't really do anything nowadays, especially if one has a better lawyer than the other..
Oh and waivers don't really do anything nowadays, especially if one has a better lawyer than the other..
07-18-2012, 08:02 PM
#3
Can't do a thing without re-zoning from residential to commercial.. Otherwise, their homeowners insurance provider would probably dump their ass, if they found out what was going on.. Lol
Oh and waivers don't really do anything nowadays, especially if one has a better lawyer than the other..
Oh and waivers don't really do anything nowadays, especially if one has a better lawyer than the other..
It's in the county and as such is not subject to any zoning ordinances. He called his homeowners insurance to see if they would cover him in the event of an accident and they said no, but didn't seem too concerned that it was going on.
07-18-2012, 11:14 PM
#5
We have $2million limited liability insurance ($1million will be fine for you), as per the city's requirement. You should be able to get that for under $1,000 a year.
With ROAR, EVERY person who goes on the track needs a membership. If it's only a few people, that's fine...but with 50+ I wouldn't go that route. Also depends if you are collecting money for racing.
EDIT: We are getting the insurance through a broker. He shopped around and found the cheapest option for us.
With ROAR, EVERY person who goes on the track needs a membership. If it's only a few people, that's fine...but with 50+ I wouldn't go that route. Also depends if you are collecting money for racing.
EDIT: We are getting the insurance through a broker. He shopped around and found the cheapest option for us.
Last edited by 8ight-racer; 07-19-2012 at 11:43 AM. Reason: Added info
07-19-2012, 05:44 AM
#6
We have $2million limited liability insurance ($1million will be fine for you), as per the city's requirement. You should be able to get that for under $1,000 a year.
With ROAR, EVERY person who goes on the track needs a membership. If it's only a few people, that's fine...but with 50+ I wouldn't go that route. Also depends if you are collecting money for racing.
With ROAR, EVERY person who goes on the track needs a membership. If it's only a few people, that's fine...but with 50+ I wouldn't go that route. Also depends if you are collecting money for racing.
07-19-2012, 06:25 AM
#7
If racing is free at the track, then asking them to have a ROAR membership is an absolutely reasonable request. As a ROAR affiliated track, you would make $5 for each racer that would become a member.
07-19-2012, 06:38 AM
#8
The problem is that the way ROAR is structured the coverage seems to be lacking, and we have talked to another track near by that is in an ongoing battle with ROAR over some non-payment of claims issues. That's why we want to avoid using ROAR.
07-19-2012, 07:11 AM
#10
Wouldn't the claims be dealt with the insurance company and not ROAR. You will get that with ANY insurance agency.........
07-19-2012, 07:37 AM
#13
How ROAR Insurance Works
The ROAR insurance program is one of the most valuable aspects of ROAR membership The insurance
policies are complex but I would like to try to summarize the key parts of the insurance program in layman's
terms, particularly for the new members, as part of my annual column on this subject. ROAR members are
covered by two ROAR insurance policies, liability and bodily injury, while participating in a ROAR sanctioned
race or a practice for such a race. The club/track is an additional insured on the member policy.
All the info is on ROAR's site....... http://www.roarracing.com/downloads/admincolumju06.pdf
