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Off-Road Insurance in Orange County, California

Off-Road Insurance

Take Charge of Safety

Your four-wheeler, dirt bike, sand rail, side-by-side, or golf cart is prone to theft, damage or accidents. Even more importantly, off-road vehicles can put you and anyone riding them in harm’s way. Only off-road insurance will help you pick yourself up off the dirt.

More Protection Than a Helmet

You wouldn’t climb on the back of an all-terrain vehicle (ATV) without a helmet, and you shouldn’t jump on without insurance either. Off-road insurance is rarely included in homeowners or general property and casualty insurance. Off-road policies are specially designed to incorporate the risks involved owning and using any recreational vehicles.

Essential Coverages

Like auto, homeowners and commercial insurance, off-road insurance can incorporate several different coverage types, depending on the extent of protection you’d like to place on your vehicles.

Property Damage Liability

This coverage protects you from financial harm when you or your employees damage another person’s property. If you damage a cabin with a snowmobile or run into someone’s truck with your ATV, property damage liability insurance pays to repair the damaged property.

Collision Coverage

The other side of property damage liability is collision coverage, which pays to repair your vehicle in the event of a collision. So, if you drive your dirt bike straight through a fence, collision coverage will help you pay for repairs so you can get back to the trails.

Bodily Injury Liability

If you’re in an off-road accident and someone is hurt, you can be held legally responsible for their injury and be compelled to pay their medical bills. These are costly expenses that can overtake your life. Protect yourself and the people around you by insuring your golf carts, four-wheelers, dirt bikes, and other recreational vehicles.

Comprehensive Coverage

This coverage fills the gaps in the other policies to provide you with a blanket of protection. Comprehensive coverage protects your vehicle from noncollision events that can take it out of commission. Whether that’s storm damage or theft, you don’t have to face it alone.

Off-Road With Peace of Mind

If you’re a regular user of an off-road vehicle, you know the risks involved. You’re out clearing land on the farm or weaving through dirt trails when the worst happens, and there is no warning. Don’t be caught completely unawares. Prepare for those unforeseen possibilities with off-road insurance from Alliance Business and Commercial Insurance Services. Get a quote today.