About Sand Buggy Insurance

Sand Buggy Insurance is a specialty division of Contractors Choice Agency, an insurance agency founded in 2005 and dedicated to serving specialty businesses with risks the standard market misunderstands.

We've focused on off-road recreation long enough to know the nuances that matter: why general liability excludes the riders in your buggies, why your fleet needs its own physical-damage coverage, how abuse & molestation exposure arises when you serve minors and groups, and exactly what BLM permits and land managers require on a certificate.

Our approach is straightforward: understand how you run rentals and tours, shop specialty recreation carriers that price the risk fairly, and provide the certificates and service a busy dune operator actually needs.