From International Risk Management Institute, Inc.

If you own an ATV or operate one, you should advise your insurance agent accordingly to verify that you have proper liability and physical damage coverage in place. These vehicles are not automatically covered by your homeowners or personal auto policy.

In addition, the following safety tips should be followed.

• Children should be allowed to operate only age-appropriate or "youth" ATVs.  Most youth ATV-related deaths and injuries occur while operating "adult" ATVs. 
  
  
• No child under age 6 should ever be allowed to ride or operate an ATV.
  
  
• Most ATVs are designed for only one person, so children should not take on passengers or be passengers on their parents' ATV.
  
  
• ATVs should not be driven on paved roads. Because of how they are designed, ATVs are difficult to control on paved roads. Collisions with other vehicles on the road can prove fatal.
  
  
• ATV operators should never drive an ATV without a helmet. Wearing a certified motorcycle helmet can dramatically decrease the chances of a head injury while operating the ATV.
  
  
• All operators should complete a "hands on" ATV training course.  A single class is estimated to be equal to one year of experience. Reputable ATV dealers often provide these classes free of charge to their customers.