Bull Riding Insurance
Eight seconds is all it takes to change everything. Make sure you are covered before you ever climb over that chute. Specialty bull riding insurance designed for the sport's unique risks.
Why Bull Riding Demands Specialized Insurance
Bull riding is consistently ranked among the most dangerous sports on earth. The statistics bear this out: professional bull riders experience injury rates that far exceed most other athletic pursuits. Concussions, broken bones, internal injuries, and spinal trauma are all documented occupational risks for competitors at every level of the sport. Standard sports accident policies were not written with bull riding in mind — which is exactly why 8 Second Insurance exists.
At Contractors Choice Agency, our bull riding insurance policies are specifically underwritten for the sport. This means that the injuries common to bull riding — the skull fractures, the rib breaks, the torn ligaments from a hard dismount, the trampling injuries — are not subject to obscure exclusions or ambiguous policy language. When you get hurt on a bull, we pay the claim.
The Anatomy of a Bull Riding Policy
A comprehensive bull riding insurance policy from 8 Second Insurance includes several coordinated components, each addressing a different risk dimension of the sport.
Accident Medical Coverage handles the immediate financial consequences of an injury. When you are transported from the arena to the emergency room, when you require surgery for a broken arm or internal hemorrhaging, when you spend days in the ICU after a serious head injury, accident medical coverage pays those bills up to your policy limit. This coverage is the backbone of any bull rider's financial safety net.
Disability Income Protection addresses the income loss that follows an injury serious enough to keep you out of competition. For bull riders who earn all or part of their income through competition winnings, a serious injury does not just mean medical bills — it means lost income for every weekend you cannot compete. Our disability policies replace a percentage of your documented competition income during your recovery period.
Permanent Disability Coverage provides a lump-sum benefit if you sustain an injury that permanently prevents you from competing in bull riding. This is coverage that every bull rider should carry but many never think about until it is too late.
Accidental Death and Dismemberment provides a death benefit to your beneficiaries and scheduled benefits for covered dismemberments. Given the documented fatality risk in bull riding, every competitor who has dependents should consider this coverage essential rather than optional.
Coverage Levels for Every Competitor
Bull riders range from weekend jackpot competitors to full-time PBR World Championship contenders. Our coverage options are scaled appropriately for different competition levels and income situations:
Amateur / Jackpot
Entry-level coverage for recreational competitors and jackpot riders. Solid accident medical protection without the premium of a professional-level policy.
Semi-Pro / Circuit
Mid-tier coverage for serious competitors working toward professional status. Includes disability income protection and higher accident medical limits.
Professional
Comprehensive coverage for PRCA and PBR competitors. Maximum limits, disability income, AD&D, and options for career-ending injury benefits.
Common Bull Riding Injuries We Cover
The Health Insurance Gap for Bull Riders
Many bull riders discover too late that their personal health insurance contains explicit sports exclusions for high-risk activities. Bull riding is often listed as an excluded activity. Our specialty bull riding insurance fills this gap, ensuring that a denied health insurance claim does not leave you with mountains of uninsured medical debt after an arena injury.
Do Not Get on the Bull Without Coverage
Every bull rider should have coverage in place before their next event. We make it straightforward and affordable. Call or request a quote today.