Explore rugged terrain

with solutions built for any adventure

Durable, off-grid coverage layered to protect your side-by-sides, trail gear, and outdoor utility. Without boundaries.

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If It’s Built Off-Road, We Likely Insure It

  • ATVs

    Built for trail performance. Get complete protection that covers everything from expensive custom modifications to the rugged miles out on the trail.

  • UTVs (Side-by-Sides)

    Engineered for precision handling. Secure true agreed-value coverage designed to protect your high-performance side-by-side for what it’s actually worth.

  • Dirt Bikes

    Designed for aggressive trailblazing. Our policies offer specialized coverage that protects high RPM engines, premium suspension builds, and your riding gear.

  • Utility Vehicles

    The pure workhorse of the property. Get heavy duty protection tailored for ranch upgrades, custom utility modifications, and your essential tools.

  • Snowmobiles

    Your gateway to winter freedom. Get complete cold weather coverage optimized for high performance backcountry sleds, rescue gear, and technical apparel.

Understanding Your Off Road Coverage

Gear up for the trails. Explore the core off-road coverages below, then let us build a tailored policy that protects your machine, your gear, and your next adventure.

  • Accessory & Equipment

    What it does: Provides dedicated coverage for aftermarket upgrades, custom wheels, lift kits, winches, plow attachments, and safety gear.

    Why you need it: If you have added thousands of dollars in custom audio bars, specialized wraps, utility plows, or high-end navigation systems, this protects your actual total investment.

  • Liability

    What it does: Covers bodily injury and property damage to others if you are found at fault in an off-road accident.

    Why you need it: Trail mishaps happen fast. If you collide with another rider on a blind corner or accidentally damage public or private property, this safeguards your personal assets and handles your legal defense fees.

  • Uninsured & Underinsured

    What it does: Protects you if you are hit and injured by another rider who carries no insurance or lacks high enough liability limits.

    Why you need it: A massive percentage of off-road riders choose to go completely uninsured. If someone hits your rig and severely injures you or a passenger, this steps in to cover your medical bills and recovery costs.

  • Comprehensive

    What it does: Covers damage to your off-road vehicle from non-collision events, including theft, vandalism, fire, weather, or incidents during transport.

    Why you need it: Off-road vehicles are highly targeted by thieves, especially while parked at trailheads or sitting in a trailer overnight. This ensures you are fully covered if your machine disappears or gets caught in a garage fire.

  • Collision

    What it does: Pays to repair or replace your vehicle if it is damaged in a crash with another vehicle, a tree, a rock, or from a rollover.

    Why you need it: Rough terrain pushes machines to the limit. Whether you misjudge a steep hill climb, catch a hidden stump, or flip your side-by-side, collision coverage saves you from paying thousands out of pocket for expensive suspension and frame repairs.

  • Medical Payments

    What it does: Quickly pays for necessary medical treatment, ambulance transport, and emergency room co-pays for you and your passengers after a trail accident, regardless of fault.

    Why you need it: Health insurance plans often have high deductibles or feature specific exclusion clauses for motorized recreational sports. Medical payments coverage acts as an immediate safety net for initial medical bills.

  • Transport Trailer Coverage

    What it does: Extends comprehensive and collision protection specifically to the trailer you use to haul your ATVs, UTVs, or dirt bikes.

    Why you need it: Many riders assume their truck insurance automatically covers their trailer if it's damaged or stolen. It doesn't. This ensures that if your utility or enclosed toy hauler is stolen from a hotel parking lot or damaged on the highway, it's fully covered.

  • Off-Road Roadside Assistance

    What it does: Covers the cost of emergency towing, battery jump-starts, or fuel delivery when your vehicle breaks down away from paved main roads.

    Why you need it: Standard roadside assistance plans stop the second your wheels leave the asphalt. If your side-by-side breaks an axle deep in a state park or recreation area, a specialized off-road rescue recovery tow can cost hundreds or even thousands of dollars without this endorsement.

Bundle & Save

We’ll help make sure you’re coverage & discounts are working together.

LET'S REVIEW YOUR COVERAGE

01
Tell Us About Your Needs

02
Review Coverage Options

03
Choose Your Solution

  • BUILT AROUND YOU

    We design custom portfolios tailored to your specific lifestyle and risks, rather than forcing you into a cookie-cutter policy.

  • REAL SERVICE

    Skip the automated phone trees. Enjoy direct access to a local, trusted advisor who proactively manages your protection.

  • ZERO GUESSWORK

    Insurance shouldn't be a mystery. We break down the complexities, so you fully understand your coverages and exclusions.

  • REAL OPTIONS

    As an independent brokerage, we leverage our network of top carriers to secure premium protection at competitive rates.

Frequently Asked Off-Road Questions

  • Yes. Even if your state doesn't mandate registration for strictly off-road trail riding, carrying specialized insurance is essential. A single accident can lead to devastating liability lawsuits, total vehicle losses, or steep medical bills. Furthermore, if your ATV or UTV is currently financed, your lender will strictly require you to carry comprehensive and collision coverage.

  • Rarely, and usually only under highly restricted circumstances. A standard homeowners policy typically only provides liability coverage if the vehicle is explicitly used to maintain your immediate property (like a small garden tractor or a utility vehicle used solely for yard work). It will not cover your vehicle for physical damage, theft, or liability once you leave your property lines to load up at a trailhead.

  • Completely canceling your policy during the winter or summer months is a major financial risk that creates a lapse in coverage, driving your future premiums up. Instead, we can implement a Lay-Up Policy. This temporarily removes the expensive liability and collision coverages while leaving your comprehensive protection fully active to protect your machine from garage fires, storage collapses, and theft.

  • In most cases, specialized off-road policies operate on a "permissive user" basis. This means that if you give a trusted friend or family member explicit permission to operate your vehicle, your policy's coverage will extend to them. However, underwriting rules can vary depending on the carrier and the rider's age, so it's always best to check with us before handing over the keys.

  • Your off-road premium is calculated using a few key variables: the engine displacement (cc) and retail value of your machine, your age and riding history, your location, and how the vehicle is securely stored. Choosing higher deductibles, maintaining a clean driving record, and bundling your policy with your home or auto can unlock significant discounts.

  • Yes. While you won't risk getting a citation from law enforcement for riding unregistered on your own land, private property usage doesn't protect you from severe risks. If a visitor or neighbor rides your machine on your land and is injured, or if your barn catches fire and destroys your UTV, a specialized off-road policy is what steps in to handle the liability claims and property replacement costs.

  • Yes, provided you carry Comprehensive coverage on that specific vehicle. This ensures your ATVs, UTVs, or dirt bikes are fully protected against physical damage, road debris, and theft while they are secured inside an enclosed toy-hauler or strapped down onto an open utility trailer on the highway.

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