Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Arkansas has some of the best trail riding in the country, and almost none of it happens in your yard. Harvey Insurance writes off-road coverage that follows the machine to Wolf Pen Gap, into the national forest, and onto the lease.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Off-road risk in Arkansas is not the same as off-road risk on flat ground. The trail systems in the Ouachita and Ozark national forests, the Wolf Pen Gap complex near Mena, and the private parks around Hot Springs put riders on steep grades, loose rock, water crossings, and switchbacks. Rollovers are more likely, and rollovers with a passenger aboard produce the injury claims that matter most. On top of that, almost all of this riding happens well away from the insured residence, where a homeowners policy provides neither physical damage coverage nor liability protection. A dedicated off-road policy covers the machine wherever it is ridden, insures the accessories Arkansas owners routinely add, protects passengers, and provides the liability limits that a serious trail injury demands.
Get a Free ATV QuoteProtection sized to mountain trails and the machines that run them.
Three environments, each with its own claim profile.
The Mena-area trail complex and the surrounding national forest offer serious terrain. Steep, rocky riding produces rollover and undercarriage claims at a higher rate than flat ground.
Organized parks around Hot Springs and elsewhere concentrate riders together, and most require proof of liability coverage at the gate.
Across the state UTVs haul feed, run fence lines, and carry hunters — work that happens on ground the homeowners policy does not cover.
Three details decide whether the policy performs.
The policy has to apply at the trailhead, not just at home. We confirm the territory language before you need it.
Mountain terrain and bench seats together mean real injury exposure. We set liability and medical limits with that in mind.
Arkansas machines get built out. We schedule the parts so the settlement matches the machine you actually own.
FAQ
ATV & Off-Road Insurance is not the only thing we write in Arkansas. Most households end up combining a few of these, which is usually where the savings turn up.
Tell us what you ride and where. We will write coverage that follows the machine off the property.
Get a Free ATV QuoteCoverage Areas
We write off-road coverage throughout Arkansas — the Wolf Pen Gap and Mena trail country, the Ouachita National Forest, the trail parks around Hot Springs, the Ozark National Forest and Mountain View area, Northwest Arkansas, and hunting and farm ground across the Delta and south Arkansas.