I own two tracks in Florida. One is an outdoor sprint track with gas rental karts, about 0.4 miles, that I've had since 2015. The other is an indoor electric track I opened last year in a converted warehouse 20 minutes away, mostly arrive and drive plus corporate groups.

They have always been on two different policies with two different agents, because the indoor one came with a landlord who had opinions. Both renew in January and I'd like to put them together if that's possible, and find out what I should be paying while I'm at it.

Things I don't know. Whether indoor electric and outdoor gas get rated the same. Whether accident and health is worth having for drivers on top of general liability, since right now I only have it at the outdoor track. And whether junior karts and league nights change the picture.

If you run rental karts, what does insurance cost you a year per track? I've only ever seen my own two quotes.

With most karting championships coming to an end, I'm curious how everyone prepares for the next season. Do you take a complete break from racing, or do you keep training throughout the winter? My son races competitively, and we're planning to focus on simulator practice, physical fitness and improving specific driving skills during the off-season. I'd love to hear what other drivers, parents and coaches do. Any interesting training routines or exercises that actually made a difference for you?