Conquer Every Trail with Confidence
Explore, adventure, repeat without worry. At Ball Group Insurance, we design off-road vehicle (ORV) insurance for enthusiasts like you who live for rugged trails, sandy dunes, muddy backroads, and wooded escapes. Our coverage isn’t just a policy it’s peace of mind tailored to off-road life.

- Risk-aware riding: Off road terrain is unpredictable. Breakdowns, rollovers, theft, or damage by wildlife or weather are real possibilities.
- One of a kind vehicles: Whether it’s a utility task vehicle, dune buggy, snowmobile, or ATV, your ride isn’t protected under a standard auto policy. You deserve insurance made just for it.
- Legal requirements: Many states and lands require proof of financial responsibility for ORVs. Be ready everywhere you go.
- Physical Damage Coverage
Protects your ride from accidental damage, rollovers, debris impacts, and weather-related mishaps. - Theft and Vandalism Protection
Secures you if your ride is stolen or tampered with whether parked at home, trailhead, campsite, or event. - Liability Safeguard
If you cause injury or damage while off road, you’re covered for both bodily injury and property damage. - Medical Payments & Guest Support
Whether you or a passenger gets hurt, this helps pay for hospital bills, treatment even airlift if needed. - Trailering and Equipment Add Ons
Need trailer coverage or want to include tools, custom parts, and GPS units? We’ve got solutions.
- Recreational rider: Casual weekend trips? We offer essential coverage that’s reliable, cost-effective.
- Enthusiast/Adventurer: Frequent dune runs, rock-crawling, side by side team rides – get the serious coverage your vehicle deserves.
- Competition-ready: Participating in sanctioned races or ready-for-it events? Shield your ride and liabilities with professionals-only protection.