ATVs, snowmobiles, and other power sport vehicles are built for adventure—but in Canada, they also come with significant insurance and liability risks. Whether used on trails, private land, or frozen lakes, proper coverage is critical.

Why Power Sports Need Insurance

These vehicles face higher exposure due to:

• High speeds and rugged terrain
• Seasonal use and storage risks
• Theft and vandalism
• Serious injury potential for riders and passengers

In many provinces, liability insurance is legally required for trail use or registration.

Key Coverages to Consider

• Third-Party Liability – Protects against injury or property damage
• Collision & Comprehensive – Covers damage, theft, fire, and vandalism
• Accident Benefits – Medical and rehab support after injuries
• Replacement Cost or Agreed Value – Important for newer or customized units
• Accessory Coverage – Helmets, trailers, and upgrades

Risk Management Tips

• Register vehicles where required
• Complete safety training courses
• Use proper protective gear
• Store units securely during off-season

Final Thought

Power sports are meant to be thrilling—not risky. With the right Canadian insurance coverage, you can enjoy the ride knowing you’re protected on and off the trail. 🇨🇦

Brokers can contact Total Risk Managers to discuss a risk.

This article is general information for insurance brokers. It is not advice, and it is not a quote or an offer of coverage. Policy wording decides what is covered. Coverage is arranged through a licensed insurance broker.