Comprehensive personal accident cover for professional drivers including death, permanent disablement, hospitalisation, emergency air ambulance, and medical expense limits adapted to motorsport speeds and risks.
Motorsport insurance for professional teams, drivers, and manufacturers
Protecting performance, reputation, and people
Marsh offers bespoke insurance and risk solutions for professional racing and rally teams, factory and independent drivers, test drivers, and vehicle manufacturers. Our specialists combine global market access with technical motorsport expertise to provide tailored cover that keeps your team on track — from race weekends to research and development (R&D) programmes and logistics.
Professional motorsport presents unique, high-value, high-speed exposures across people, vehicles, intellectual property, manufacturing, and commercial relationships. Standard motor or general liability policies are usually insufficient. Our specialists design integrated programmes that match the operational reality of teams, drivers, and manufacturers — whether you are a single-seater outfit, a Grand Touring (GT) squad, a rally team, a test programme, or a vehicle development division.
Who we serve
- Factory and privateer racing teams (single-seater, GT, touring cars, endurance, rally).
- Professional, development and test drivers, and ride-along drivers.
- Motorsport manufacturers, tier suppliers, and R&D divisions.
- Event and operations partners (workshops, transporters, logistics providers).
- Sponsorship, commercial, and hospitality programmes.
- Competitors with EU licences and non-UK registered competition vehicles.
Core insurance products
- Tailored liability cover for third-party bodily injury and property damage arising at circuits, paddocks, testing locations, and public roads used for motorsport.
- Includes product liability for parts and components supplied by manufacturers.
Covers accidental damage, collision, fire, theft and total loss of race, test and development vehicles — on-track— with options for agreed values, salvage handling, and rapid claims response.
- Tailored liability cover for third-party bodily injury and property damage arising at circuits, paddocks, testing locations, and public roads used for motorsport.
- Includes product liability for parts and components supplied by manufacturers.
For manufacturers and component suppliers; protection for claims arising from faulty parts, and associated recall costs and replacement expenses.
Statutory and enhanced employers’ liability for mechanics, engineers and pit crew, including contractors and temporary staff working at circuits or overseas.
For team road cars and service vans.
Protects teams, manufacturers, and promoters from financial loss if an event, testing session, or key personnel non-attendance is cancelled due to covered causes (including adverse weather, travel interruption or other insured perils).
Covers loss from cyber incidents affecting telemetry, timing systems, R&D data, or hospitality operations, including business interruption and regulatory costs.
Protects leadership from claims arising from management decisions, contract disputes, regulatory investigations, and shareholder actions.
For factory drivers, VIPs, and key executives when travelling internationally; covers ransom, crisis response, secure transport, and evacuation assistance
Insurance for inventory obsolescence, loan/lease residual value protection, and credit insurance for large commercial contracts
Risk solutions and value-added services
Marsh offers the following risk solutions and services, including:
Single integrated programme combining multiple covers with centralised limits, consistent definitions, and cross-guarantees to reduce gaps and overlaps.
On-site assessments of workshop layout, fire and fuel handling procedures, lifting operations, and pit lane safety to recommend mitigations and improvements.
Tailored safety briefings for pit crew, mechanics and drivers, plus guidance on packaging, handling, and transport of high-value parts and hazardous materials (fuel, batteries, composites).
Dedicated motorsport claims team with 24/7 emergency response, salvage coordination, vehicle repairs management, and support for rapid return-to-track.
Access to PR and legal advisers to manage communications, sponsor relationships, and regulatory matters after an incident.
Review of supplier, sponsor, and logistics contracts to identify insurable exposures, requirements, and gaps; help to negotiate appropriate hold harmless and indemnity wording.
Placement with specialist carriers and Lloyd’s syndicates experienced in motorsport, as well as captive and alternative risk solutions where appropriate.
Advice on secure telemetry architecture, data retention, and vendor arrangements to protect IP and performance data.
Strategic advice and insurance placement to protect against lost revenue and costs from cancelled events, postponed tests, and non-appearance of key personnel — including scenarios caused by adverse weather, travel disruption, political and civil unrest, and other insured perils.