Coverage for your Off Road Adventures

For those who keep going when the pavement ends.  Enjoy the thrill of every jump, dip and turn even more by knowing you're protected. We offer insurance coverage above and beyond what your auto and home policies do—for all-terrain vehicles (ATVs), utility vehicle (UTVs), dune buggies, golf carts, go-karts, trail bikes and more.

All Terrain Vehicles (ATV'S)

ATV insurance may be a legal requirement, depending on where you ride, according to the Insurance Information Institute (III).

In NY you may not operate any ATV anywhere except on your own property, unless it is covered by liability insurance. Minimum required coverage is $50,000/$100,000 for death, $25,000/$50,000 for injury, and $10,000 for property damage in any one accident. You must show proof of this insurance upon the request of a judge, the police, or a person claiming to have suffered injury or property damage from your operation of the ATV.