Looks like they are possibly checking for liability insurance on ATVs out there now. Liability (personal injury and property) insurance can be picked up easily for ATVs from Markel American Insurance Company. They quoted me a policy for under $30/yr on my 01 Raptor. You can add comprehensive that covers theft as well for under $60.

Might be worth checking into if attending FSW - but, then again, maybe not !?

http://www.off-road.com/dunes/news/2003_01/insurance/

Eric