Carmen Erhardt, Insurance Agent

10/16/2026

The delivery driver who picked up your order tonight isn't a restaurant employee. That shift happened fast. And for restaurant owners, it raised a question that a lot of policies weren't written to answer.

Delivery apps have created new liability gaps for restaurant owners. Learn what coverage areas to revisit.

10/13/2026

This might be your off season. But that doesn’t mean something can’t happen to that race car.

Circle track racers are the exception but they live to bump and run, but drag racers are more likely to have something go wrong off the track than on.

10/13/2026

While most racers are putting their cars into hibernation for the winter, others are just waking up their horsepower!

For some of us, racing season never really ends. We just switch toys and find a different surface to go fast on!

So let’s hear it! What’s your winter motorsport of choice to get you through until racing season fires back up?

Drop a picture in the comments or share what keeps your need for speed alive during the off-season.

Because apparently, some of us are incapable of having a hobby that doesn’t involve a motor and questionable financial decisions! Carmen Erhardt Laris Motorsports Insurance James Erhardt Aaron Casler Dave Bartholomew

10/09/2026

Oh, sure. Your homeowners insurance covers your race snowmobile. Your auto policy probably does too. I mean, it’s just a snowmobile, right?

Until you turn in a claim.

And the claims adjuster takes one look at your sled and says, “What in the hell is THAT? Because that’s definitely not what we thought we were insuring.”

Let’s be serious. That isn’t your average trail sled. You’ve got thousands, maybe tens of thousands of dollars invested in motors, clutches, chassis, custom fabrication, and performance upgrades.

You can call it a snowmobile. You can park it in your insured garage. You can even assume it’s covered under another policy.

But calling it something doesn’t make it insured.

And when something happens, do you really want to find out whether your insurance company agrees with your interpretation of coverage?

The real question isn’t whether you have insurance. It’s whether you have insurance that will actually pay for what you’ve built.

I’m Carmen Erhardt with Pillar Insurance, offering Laris Motorsports Insurance coverage for race vehicles in all 50 states.

Know what you’re insuring BEFORE you have to prove what it’s worth.

Coverage depends on the policy’s actual terms, exclusions, and endorsements. Always verify coverage with your insurance agent or carrier.

10/08/2026

Here is how we differ. Want a no obligation quote? Reach out to me at: https://www.larismotorsportsinsurance.com/quote-tracking/carmen-erhardt

10/07/2026

Well… that’s an expensive assumption.

“I have coverage on my shop, so my race car or drag sled is covered.”

I heard some version of that statement more times than I could count while sitting around the track this weekend.

The problem isn’t that every racer who says this is wrong. The problem is assuming you’re right without knowing exactly what your policy says.

Think about what you actually have invested in your race machine. The chassis. Motor. Turbo. Electronics. Aftermarket components. Fabrication. Years of upgrades and countless hours in the shop.

Now imagine losing the building to a fire, tornado or another covered loss and finding out afterward that the machine sitting inside wasn’t covered the way you thought it was—or wasn’t valued anywhere close to what you have invested.

That could cost you a lot more than a race car or sled. It could cost you an entire season.

I come at this from both sides. I understand insurance, but I also understand racing. I’ve been a racer and team owner, and I know there is a massive difference between telling an underwriter, “It’s a snowmobile,” and explaining what is actually sitting in that trailer or shop.

That’s why I’m starting this series: to talk about some of the biggest coverage assumptions I hear in the racing world and give racers better questions to ask BEFORE there’s a loss.

And for those who have asked: I can help with motorsports insurance in all 50 states. Whether you race dirt, asphalt, circle track, drag racing, or a drag racing snowmobile, I can help you look at options designed specifically around motorsports exposures.

This is general insurance information only. Coverage varies by carrier, policy, endorsements, exclusions and individual risk. Always verify your specific coverage with your insurance agent and/or insurance company.

Watch the video, then tell me:

If your shop disappeared tonight, do you KNOW what would happen to your race machine—or are you assuming? Pillar Insurance Carmen Erhardt Laris Motorsports Insurance

10/05/2026

Your race car or drag sled is sitting inside your insured shop… so it’s covered as contents, right?

Not necessarily.

Business personal property or “contents” coverage is generally designed for the tools, equipment, inventory and other property used in your business. A purpose-built race vehicle can be a very different exposure—especially when you consider the modifications, custom parts, labor and actual amount of money you have invested in it.

The biggest mistake is simply assuming it’s covered.

Option A: Talk to your current insurance agent. Be completely honest about what the machine is, what it’s used for, where it’s stored, how it’s transported and what you actually have invested in it. Then ask exactly how your policy would respond if it were stolen, damaged in a fire or involved in another covered loss.

Option B: Give me a call. As a former racer and team owner, I understand these machines aren’t something you just walk into a store and replace. I can help you navigate the insurance side and understand what options may be available to properly protect your investment.

Know what you have BEFORE you have a claim.

Carmen Erhardt
Laris Motorsports Insurance
Call or text: 985-803-1721
Laris Motorsports Insurance

10/05/2026

Do you know what to do if a pipe breaks in your house?

Learn what to do when a pipe bursts with this helpful video flooded with smart tips.

10/02/2026

Just because you’re under 65 years of age doesn’t mean you don’t qualify for Medicare. There are a few specific scenarios where you are eligible earlier. Learn more:

You might qualify for Medicare if you’re under 65-years-old. This article will explain the conditions where you may qualify for Medicare early.