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Request a free ATV and UTV insurance quote from Benco Brokers. Custom off-road vehicle physical damage,
trail liability, and accessory coverage across NY, NJ & CT. Response in 72 business hours.
Exploring private trails, rugged backcountry terrain, or agricultural acreage across Westchester County, New Jersey, and Connecticut adds an exhilarating dynamic to outdoor recreation. However, many off-road vehicle owners operate under a dangerous misconception—assuming their standard homeowners policy automatically covers their all-terrain vehicles (ATVs), utility task vehicles (UTVs), or side-by-sides. In reality, residential property policies strictly exclude physical damage and liability claims for off-road vehicles operated away from your primary residence, while imposing severe sub-limits on your own property. At Benco Brokers, located at 20 Woods Bridge Road in Katonah, NY, our independent advisors partner with elite national underwriters—including Travelers, Safeco Insurance, and Chubb—to structure specialized powersports policies that insulate your equipment, passengers, and personal wealth from catastrophic loss.
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Complete our simple quote form below to get started. Once submitted, our powersports underwriting specialists review your vehicle schedule, usage profile, custom additions, and desired liability limits to engineer a tailored proposal. You will receive your personalized ATV insurance quote within 72 business hours.
Comprehensive & Collision Physical Defense: Shields your quad, UTV, or side-by-side from rollover crashes, trail collisions, fire, theft, submersion, or falling debris—whether active on the trail, parked in storage, or in transit on a trailer.
Custom Parts & Gear Endorsements: Standard policies ignore aftermarket upgrades. We explicitly schedule your winches, snowplows, custom cabs, roll cages, LED light bars, specialized suspensions, and protective riding gear for full replacement value.
Off-Premises Trail Liability Shields: Operating on public trail systems, state lands, or neighbor estates exposes you to severe third-party injury or property damage lawsuits. We deliver broad liability limits to cover legal defense fees and settlements.
Uninsured/Underinsured Trail Rider Protection: Essential matching coverage that protects you and your passengers if struck by an uninsured or hit-and-run off-road operator on remote trails.
Multi-Policy & Fleet Discounts: Combine your powersports policy with Homeowners Insurance, Auto Insurance, or personal Umbrella Policies to unlock multi-vehicle savings and seamless household protection.
Complete the form above to receive your customized ATV quote, call us directly at 914-530-3877, email info@bencobrokers.com, or Book An Online Video or Phone Call with an advisor today.
