Generally speaking, if you’re racing professionally, you need specialty insurance for that.
However, some Centennial, CO motorcycle insurance providers may offer some allowance for non-competitive racing. That is, if you’re racing your bike on private property with friends, and with no money at stake, your insurance provider might be okay with that, depending on the nature of the race. Obviously they don’t want you jumping school buses, but a simple there-and-back down a mile of dirt road might not be a big deal.
You’ll want to call them first, of course. Any time you’re wondering if your insurance provider will cover you, the rule of thumb is to call and ask. They might say yes, they might say no, but if you wait until you’re making a claim to tell them that you were racing, they will almost certainly deny you.
In professional races, you may be able to buy insurance directly through the race organizers rather than having to go buy a whole separate policy, meaning that it’s no longer your primary insurance provider’s problem should something happen on the track.
What it really comes down to is just making sure that your Centennial, CO insurance provider knows what you’re doing with your motorcycle so that they know what they’re covering. Obviously they’d rather not be covering stunt races and demolition derbies, but safe, non-professional races on private land are usually allowed, as long as you keep your insurer informed.
If you’re looking to get covered, get in touch with Compass Insurance and see what they can do for you. Compass Insurance can connect Centennial, CO motorcyclists with the policies that they need to ride safely.