For the animal and vehicle racetrack, the hazards are of the unique kind, necessitating a specific type of coverage.

Animal Racetrack Insurance

Animal racing, such as those in which horses and greyhounds compete, is a popular event. Insurance needs must be met in the following areas:

Property Coverage

• Fire Risk: barns and staples house hay and other flammable material
•  The animals can cause damage
• The animals themselves can suffer physical damage
  
  

Liability Insurance

• Crowd control and the presence of bleachers
• Animals can harm people
• Betting activities exposes the event to crime and employee dishonesty
• If restaurant and liquor liability exists, this places further  exposure upon the event

Vehicle Racetrack Insurance

Racing cars and other vehicles that race as a sport draws significant spectator presence. Related insurance shields the track or course owner as well as those sponsoring the event. Coverage protects against third party claims brought by viewers who suffer injury due to premises hazards, such as 

• Grandstand collapse
• Bleacher collapse
• Harm as a result of a racing vehicle
• Harm caused by debris from accidents occurring at race rehearsal or actual event

Claims brought by racing drivers or racing car owners are excluded from this coverage.

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Summary: Like other sports’ events, a car or horse race must deal with crowd and bleacher risk exposure. Then there are the perils that are unique to this type of event. And that is precisely why there’s specialized insurance coverage!