[drcoastline]

Your homeowners (HO-3), renters (HO-4), condo (HO-6) liability insurance follows you anywhere in the world. The only exclusion would be if there was insurance available and you did not purchase it then you can not ask your ho-3, 4, 6 to respond. You are not necessarily 100% liable in a situation. First the parents giving permission to go motorcycle riding with you "could" place some liability on them for allowing their child to participate in the activity. The facility where you ride could have some culpability as well as the rider. Did they not obey the rules, make a mistake, etc.?

In your example there are multiple scenarios that could come into play regarding liability. It depends on what, where, when how an accident occurred would determine your culpability. Far to many possibilities to try and answer in a forum.

First call your insurance agent and find out if liability insurance is available for your bikes. If so your HO-3, 4, 6 policy will not cover the loss. If no coverage is available then your HO-3, 4 or 6 will be primary. In either scenario you should have an umbrella policy to add additional coverage.