Off-road adventures need off-road vehicle coverage
Keep your customers protected if their adventure takes an unexpected turn.
Offer your adventure enthusiasts a customized powersports product tailored to their unique needs. Dairyland provides reliable coverages and best in class 24/7 claims services for ATV/UTVs, snowmobiles, dirt bikes, transport trailers and more—with up to 12 powersports products on one policy.* It’s that easy.
ATV (all-terrain vehicle)
A four or sixwheeled vehicle designed for off-road use, with a straddle seat and handlebars.
Motorcycle
A two or three-wheeled vehicle designed for on-road use. Types range from cruisers, touring, and sports bikes.
Snowmobile
A vehicle with two front skis and a rear track system designed for snow use, with a straddle seat and handlebars.
Dirt bike
Also known as a “Trail Bike,” two-wheeled motorcycle, does not have manufacturer components that would make it legal for on-road use.
UTV (side-by-side)
A four or six-wheeled vehicle designed for off-road use, with bucket or bench seats, a steering wheel, and some type of roll bar cage. May or may not have doors and/or a utility bed.
Scooter/Moped
A two-wheeled vehicle designed to travel at slower speeds on the road.
Our coverages unique to off-road vehicles include, but are not limited to:
- Enhanced permissive use provides the policy’s full liability coverage for any driver who has the permission from the insured to operate the vehicle. Without this coverage, any driver who has permission from the insured will only have the state’s minimum liability coverage, not the limits purchased by the insured.
- Submersion pays for expenses incurred for the salvage or recovery operations due to a complete or partial submersion of the vehicle. The maximum limit is $2,500.
- Transport trailer can be added to any vehicle type and pays for accidental damage to your transport trailer caused by events such as fire, severe weather, vandalism, flood, theft or impact with animals, another object or vehicle upset.
- A transport trailer must be principally designed for transporting a motorcycle or off-road vehicle. This means the trailer with any living or sleeping quarter is an unacceptable risk.
- Available in four increments of coverage ($2,500, $5,000, $7,500, and $10,000), with a $500 per occurrence deductible.
Providing quality motorcycle insurance
A motorcycle is more than a mode of transportation to your customers. It’s their pride and joy. It’s an old friend. It’s an expression of freedom.
We get it. It’s why millions of riders have picked Dairyland to help protect them and a wide variety of the motorcycles they ride. We cover manufacturers such as Harley-Davidson, Honda, and Indian to styles like cruisers, touring bikes, sport bikes, and much more.
Best of all, riders can customize their coverage options based on their bike and how they use it, including:
- Collision
- Comprehensive
- Bodily injury
- Replacement cost
- Rental reimbursement
- Roadside assistance
- Optional/special equipment
Dairyland riders enjoy many benefits, including:
- Affordable rates
- Easy payment plans and low down payments
- Multiple coverage options
- Dedicated, cycle customer service and claims specialists and 24/7 claims reporting
We offer a variety of discounts, including*:
- Home ownership
- Rider course
- Rider group
- Multi-line
- Paid-in-full
- Claim-free renewal
*Available discounts vary by state.
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