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Off Road Vehicle Insurance

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Let’s be honest, off road vehicles can be a lot of fun in Wisconsin.  If you don’t have Off road vehicle insurance it can go from fun to dangerous and expensive real quickly.  Whether you are a recreational ATV rider, or use your side-by-side to manage miles of fence line, having it damaged, wrecked, or stolen can cause loss of time and money.  We can provide different types of off road vehicle insurance to cover different types of vehicle needs.

ATV Insurance:  off-road-ATV

All Terrain Vehicles, Quad, Four Wheelers: whatever name you call it, the fun is just as good.  If you’re using it as a weekend cruiser, running around the farm, or taking it hunting – having your ATV is not only fun, but also a big investment.  What happens if it’s sitting in the garage and a poorly placed battery ruins the gas tank and engine?  Does your homeowner insurance cover it?  What if you’re not on your property and have an accident?  Are you or your ATV covered?  Even worse, if someone steals it from your backyard, or it’s hit while waiting to load your quad onto the trailer at your favorite trail – how are you going to replace it?

If you’re lucky enough to have a State-managed four wheeler trail network you’re most likely going to need insurance for your quad to ride on State land.  We can help with all of these scenarios.

Follow here for a quick safety reminder Infographic.


Dirt Bike Insurance:

Race on the weekend at your local track? Ride recreationally?  An off road motorcycle is a big investment too.  Many people who compete in enduro rides have to be registered and insured – even scrambles may require coverage for your motorbike.  If you participate in activities where coverage is required, or want to protect your investment we can design the right policy to protect your dirt bike too.


Side-by-side and Full size 4wd Insurance:

Many of the vehicles that never see pavement, or aren’t registered, are of high value.  You wouldn’t buy an $8,000 car and not insure it, but would you buy a side-by-side and leave it uninsured?  If you’re a rock crawler why wouldn’t you protect your $30,000 toy from liability, uninsured accidents, and theft?  If it falls off a trailer, will you pay damages
Off-Road-ATV out of pocket?  If your Jeep rolls over and damages someone else’s vehicle, who will cover those damages?

Many off road toys are an investment and are high in value, but owners simply don’t think they need coverage because they’re not on the road.  Don’t leave your side-by-side, Jeep or buggy vulnerable to anything other than the trails you’re on.

To make sure your buggy, quad, side-by-side, bike or other off road vehicle you own is protected; contact us for a free quote today!

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