Racing Teams & Venues Insurance
Motorsports is one of the most specialized — and most underserved — niches in commercial insurance. Silva and Sons Insurance Services offers motorsports coverage to race drivers, race teams, race associations, and race tracks in all 50 states and beyond. We cover all types of motorsports, from karting and freestyle motocross to competitive racing leagues, drag strips, road courses, and everything in between. Whether you're an independent driver, a multi-car team, or the operator of a sanctioned venue, we'll find coverage that actually fits how you operate.
Coverage options include:
- Race Owners and Sponsors Liability
- Race Team Premises and Operations Liability
- Off-Track Storage and Contents
- Directors and Officers Liability
- Excess / Umbrella Liability
- Spectator and Participant Liability
- Commercial Auto and Trailer Coverage
- Inland Marine / Equipment Floater
- Workers Compensation
- Event Cancellation Coverage
What We Cover — and Why It Matters
Liability for Tracks and Venues
Race track operators face a unique liability exposure — spectators, participants, vendors, and staff all on the same property at the same time. We structure venue liability programs that address each of those groups, including participant waivers, grandstand coverage, and pit lane access.
Race Team Coverage
A race team's exposure doesn't stop at the track. We cover your equipment in transit, at the shop, and at the event — along with liability for your team's operations on and off the course.
Spectator and Participant Liability
Sanctioning bodies and track operators often require specific liability limits for both spectators and registered participants. We work with carriers who understand motorsports waivers and can meet sanctioning body certificate requirements quickly.
Equipment and Inland Marine
Race cars, trailers, tools, and spare parts represent significant value that standard commercial policies often exclude or undervalue. We make sure your equipment schedule reflects actual replacement cost — not a generic depreciated value.
Workers Compensation
Crew members, mechanics, and track staff are often misclassified under general labor codes that don't reflect motorsports exposures. Correct classification protects you from both coverage gaps and unnecessary premium overpayment.
Why Motorsports Clients Work With Us
We know the sport.
Motorsports insurance isn't a side product for us. We understand the difference between a sanctioned event and a track day, and we write coverage accordingly.
We're independent.
We shop multiple specialty carriers to find the right fit for your operation — not a one-size-fits-all policy from a single company.
We move fast.
Race schedules don't wait. When you need a certificate of insurance for an upcoming event, we turn it around the same day.
We're local.
Based in Central Texas, we work with clients across the state and nationwide — and when you call, you reach someone who already knows your account.
Get Coverage That Keeps Up With Your Season
Whether you're insuring a single car or an entire facility, we'll put together a program built around your actual operation. Reach out for a no-obligation quote.