Powersports insurance options shrink — Why broker expertise matters now more than ever
- NPDA Staff
- May 14
- 1 min read
Updated: Jul 3
May 14, 2025
By Zach Materne
Apiar Commercial Risk Management / Cell Brokerage Risk Management Group
The tightening insurance market for Powersports dealers continues to create significant challenges at renewal. Over the last several years, the number of available carriers has shrunk — particularly impacting smaller dealerships, operations with watercraft exposure, and those selling ATVs and side-by-sides.
Adding to the pressure, Sentry Insurance has announced it will begin non-renewing Harley-Davidson dealerships effective July 1, 2025. This move further reduces market options for dealers and places additional strain on renewal timelines.
These market shifts can result in increased premiums, reduced coverage options and last-minute scrambling at renewal. That’s why it is more critical than ever for dealers to work closely with a broker who not only understands the insurance landscape, but also knows the unique risks and operational nuances of the dealership business.
Strategic communication and proactive planning throughout the year — not just at renewal — can make the difference between rushed coverage and a tailored, long-term solution.
Zach Materne is Commercial Property & Casualty Risk Consultant Specializing in Powersports Dealers for Apiar Commercial Risk Management / Cell Brokerage Risk Management Group, an NPDA Gold Partner since 2023.
LA Resident License #871096Cell Brokerage CA LIC. #OG83985, NPN #14775635
