All-Terrain Vehicles also known as ATVs cover multiple recreational vehicle types, three-wheelers, four-wheelers, and utility task vehicles.  These are not licensed for the road but still need coverage for physical damage and theft.  As long as they are driven on your property most companies will cover the liability under the property liability but as soon as they leave your property, even if it is just to cross the road, there is no liability coverage.  The agents at Donavan Insurance can assess the usage of your ATV to give you the necessary protection.