ATV Safety Tips

Protect Your Family From ATV Injuries and Liability

All Terrain Vehicles (ATVs) are frequently used on the farm or ranch to haul supplies or get to the field, but ATVs often serve another purpose: recreation. It's important all family members know and follow necessary precautions every time ATVs are used – for work or for play. It's also important to know that liability for off-premises recreational use of an ATV is not covered by most farm policies.

Must-know ATV safety rules

Parents should determine each family member's readiness to operate an ATV based on physical size, coordination, balance, ability to judge distances, willingness to follow rules and peripheral vision.

All family members should follow the ATV Safety Institute's Golden Rules:

  • Always wear a helmet and other protective gear
  • Never ride on public roads
  • Never ride under the influence of alcohol or other drugs
  • Never carry a passenger on a single-rider vehicle
  • Supervise riders younger than 16
  • Ride only on designated trails, and at a safe speed
  • Take a hands-on safety training course

The ATV Safety Institute also recommends riders use an ATV that’s right for their age:

  • 6 and older – under 70cc
  • 12 and older – 70cc to 90cc
  • 16 and older – over 90cc

ATV off-premises protection

If you or your family ride your ATV(s) off your property, make sure your agent is aware of how you use these vehicles. The AgriChoice® policy from Nationwide Agribusiness can be endorsed to provide liability coverage for off-premises recreational use of an ATV. Without that endorsement, most policies limit coverage to on-premises use.