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New insurance program available for OHV clubs and parks

A positive turn for one of the toughest obstacles that off-highway vehicle recreationists currently face.

From The National Off-Highway Vehicle Conservation Council

Motorized off-road recreation is enjoyed by a large segment of the population, with approximately 15 million off-highway vehicle (OHV) riders currently in the US. With the increasing popularity of OHV recreation, the many challenges of insuring OHV clubs and parks have appeared.

photo: ohv riders on trail
Photo: Tom Buchkoe

"Insurance coverage, particularly liability insurance, has been tough to obtain for OHV recreation," says Jeff Magowan, of Garceau,Wenick-Kutz, Magowan Insurance Agency in Escanaba, Michigan. Magowan, an avid off-highway motorcyclist, has been involved in insuring OHV clubs and parks for many years. Because of his passion and involvement in the sport, he understands the unique requirements of this specialized coverage.

Unfortunately, insurance coverage has only been available sporadically, leaving many clubs and parks either without coverage, or paying exorbitant premiums. Increasing the availability of insurance coverage for off-highway recreation was a natural for Magowan.

Recently, working with an "A-Rated" insurance carrier, he has developed a competitive insurance option for off-highway organizations, businesses, and trail systems.

"Putting all the pieces together has been a five year project," says Magowan. "We've put several risks in the program, and have found the coverage and pricing to be very competitive

According to Jeff, his affiliation with the National Off-Highway Vehicle Conservation Council helped in the development of his most recent OHV insurance program. Because the participants in NOHVCC programs represent the "best in the business" of OHV recreation, the program is being released initially through the NOHVCC, before being introduced to the general public.

As laws vary from state to state, the insurance coverage may not be available in all states.

For more information, contact Jeff Magowan at (906)789-0900 or by email at Jeff Magowan of Escanaba, Michigan was recently appointed as the NOHVCC Associate State Representative from the Wolverine State.

The National Off-Highway Vehicle Conservation Council
4718 S. Taylor Drive, Sheboygan, WI 53574

800-348-6487 - fax; 920-458-3446 -

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