Summertime is right around the corner and for many of your clients, off-roading is part of the fun. But as they pull an all-terrain vehicle (ATV), dirt bike, golf cart or dune buggy out of the garage and onto the trails, people often give little thought to the risk exposures. The fact is, the costs associated with an ATV accident that is not protected by the proper insurance coverage can be high, resulting in expensive lawsuits involving property damage, liability claims and medical expenses.
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