fatbillybob

Who is offering excess liability umbrellas and or personal excess liability policy for people who race? I don't need it for racing and racing has always been an excusipn. But now racing is a new exclusionary tactic preventing underwriting of these policies to racers.

Steve113

We have liability for HPDE but not racing

fatbillybob

No. I don't want liability for racing or any on track liability. I want general excess personal liability that can be written to someone who happens to race as a hobby. So far I have found none.

T&T Racing

contact your insurance company for your home and automobiles. Liberty Mutual sells umbrella insurance but I purchased it prior to racing

Steve113

Umbrellas do not cover it . If you primary (Auto/Home) liability excludes it so does your umbrella . Umbrellas follow form

garrett376

In the environment of PCA Club Racing, when would such a liability policy be necessary? Who might be coming after you?

DTMiller

Dead guy's wife.

garrett376

Has this happened in PCA Club Racing despite the waivers, product warnings, etc.? What situation would make another PCA Club Race driver liable?

txhokie4life

I just acquired liability insurance. They were more interested in my Auto and Home liability insurance minimum coverages.

Nobody asked if I raced -- despite having several race cars on my Hagerty Insurance and a trailer.

One agent asked what I hauled in my trailer -- and I said a race car. No further questions.

Neither my Auto or Home insurance would extend me liability, but that was because I have out of state short term rental homes.

I eventually went with Goosehead Insurance. 2 of the 3 agents/companies I dealt with were a real PITA, Goosehead was quick and easy and also the cheapest.

YMMV,

Mike

DTMiller

Don't know, don't know, don't know. Don't know (other than the obvious -- intentional/criminal act).

But if Vegas opens a line on "most likely to sue after an accident at a PCA Club Race" I'm loading up on dead guy's wife.