Eligible Operations for Horse Tracks Insurance
Thoroughbred Tracks
Greyhound Tracks
Special Events
Harness Tracks
Simulcast Facilities
Combo Tracks
Quarter Horse Tracks
OTB Facilities
Racino Facilities
Program Highlights for Horse Tracks Insurance
“Excellent” or Higher A.M. Best Rated Carrier
Admitted Coverage
Program-Specific Forms
Program-Specific Rates
Non-Auditable Policy
24-Hour Claims Service
In-House Underwriting
In-House Claims Management
In-House Risk Management
In-House Policy Administration
Online Resources & Tools
Program Coverages for Horse Tracks Insurance
General Liability
Participant Legal Liability
Horse Legal Liability
Dog Legal Liability
Excess/Umbrella
Liquor Liability
Automobile
Property
Crime
Employee Benefits Liability
Workers Compensation
Deductible/SIR Options
Ideal Clients and Appetite
This program is designed for a wide range of racing and betting venues, with a strong appetite for facilities that host live or simulcast horse and dog racing. Whether your client operates a thoroughbred or harness racing venue, an OTB facility, or a racino, American Specialty’s program is equipped to handle their unique coverage needs. Special events and combo tracks are also within appetite.
If you have a client preparing to launch a seasonal harness track or looking to expand an existing quarter horse racing operation to include simulcasting, this program offers flexible coverage and dedicated underwriting support.
Underwriting and Minimum Premiums
Minimum premiums vary and are based on size, scope, and operations. American Specialty provides fast, responsive in-house underwriting to help you assess eligibility and pricing quickly. Risk management tools and claims handling are managed internally to streamline service and support.
Territory and Admitted Status
This program is available in all 50 states, including DC. Coverage is written on an admitted basis, providing your clients with the added assurance of regulatory backing and transparency wherever they operate.
Why Work With American Specialty?
As a Managing General Underwriter with deep experience in sports, entertainment, and specialty risks, American Specialty offers unmatched expertise in the horse track sector. Their in-house services—from underwriting to claims—streamline the process and deliver consistency. With access to A.M. Best “Excellent” rated carriers and program-specific coverage forms, American Specialty gives you the tools to confidently place this highly specialized business.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for thoroughbred tracks, harness racing venues, greyhound tracks, simulcast facilities, OTB locations, racinos, and combination tracks. Special event racing venues are also eligible.
Is this program available in all states?
Yes, the Horse Tracks Insurance program is available in all 50 states and Washington, DC.
What coverages are included in the program?
Coverage options include General Liability, Participant Legal Liability, Horse and Dog Legal Liability, Excess/Umbrella, Liquor Liability, Property, Auto, Crime, Workers Compensation, and more.
Are policies written on an admitted basis?
Yes, coverage is admitted in all available states, providing added regulatory confidence for your clients.
Who handles claims and underwriting for this program?
All underwriting, claims management, risk management, and policy administration are handled in-house by American Specialty to ensure fast, consistent service.
Need help placing an account? Connect with a market specialist.