Hit the Trails With ATV Insurance

atv insurance

Your ATV or UTV needs insurance coverage that is separate from personal auto and independent of homeowners. There are vehicles capable of going nearly anywhere and are useful for both recreation, work, and land maintenance. Because of this they also encounter hazards that are unique to counterparts used exclusively on the road.

Coverage for the Vehicle

Riding ATVs is enjoyable and offers a healthy dose of fun traversing different terrain. Even though you may be riding far away from others, accidents can happen that will cost you without insurance. Most policies offer ATV coverage with comprehensive and collision.

  • Collision provides protection if you hit an object such as a tree or rock and incur damage.
  • Comprehensive is coverage for scenarios such as hitting an animal or if your ATV is stolen.

Coverage for Others

Even with the right protective gear riding an ATV has its dangers. Having a rollover or being thrown from the vehicle can occur. Specialized insurance policies will also include the following:

  • Bodily injury liability can protect you if you’re at fault and cause injury to a passenger or other rider.
  • Property damage liability offers coverage for damage to property belonging to others due to an accident.

ATVs provide a great way to get off-road and experience the outdoors. Be prepared for the unexpected by being protected with the proper insurance coverage.

Where Does My Experience Modification Rate Come From?


If you’re a business owner or manager, a big concern is how much you will have to pay for insurance coverage, particularly with regard to worker’s compensation. A key question when planning an operations budget is “how do I find my experience modification rate”?

What Is EMR?

The experience modification rate (EMR), is used by insurance companies to try to determine the risk of your company’s future workman’s compensation claims, taking into consideration your past claims. The starting point for determining your rate is the standard for the industry that you are in. From there, it can go up or down depending on your actual claims history.
Simply put, if you have filed fewer claims than typical for your industry, your rate will be less. If you have filed more claims, it will be more. Insurance companies will look at your last three years of claims in order to make their determination so, as discussed on https://www.nsins.com, improving worker safety today can have an effect the next time your policy is reviewed.


Actions such as making the workplace safer and increasing employee safety training will require some investment upfront but the rewards in fewer employee days out from injury and lower insurance premiums will make it worthwhile. It just may take a little time before it’s reflected in your bottom line.