Bicycle Insurance

We understand that each cyclist has a different reason for riding. And no matter what your reason is, we're here to provide you with customized insurance protection to fit your riding style.

Bicycle insurance designed for the way you ride

Your bike is uniquely yours. Your bicycle insurance policy should be too.

Why do I need bicycle insurance?

Why do I need bicycle insurance?

Think your homeowners or renters insurance properly covers your bike? Think again. If you ever need to file a claim, you may be shocked to discover that your current policy is filled with exclusions and restrictions that limit what you can get in replacement costs for your damaged or stolen bike.

While it may be true that homeowners insurance personal property coverage could provide support for bicycle theft, some homeowners policies may have low coverage limits for things like sporting goods equipment. A low coverage limit combined with a high deductible means bicycle owners may be faced with the majority of the cost to replace their bikes. That's why having a separate bicycle insurance policy can provide better coverage for your bike.

What Can Bicycle Insurance Cover?


Bicycle physical damage insurance protection

Covers repairs or replacement of your bike if it is damaged or goes missing. You pick the value limit of your bike, and we can cover things like vandalism, crash damage, or a collision with another rider. We can even offer insurance protection to you while racing. Deductibles range from $200 to $500.



Bicycle liability protection

Bicycle liability coverage helps protect you if you are responsible for injuries or property damage to another person or their belongings while using your bicycle. Limits range from $25,000 to $100,000.



Worldwide physical damage protection

We also offer worldwide physical damage insurance protection for when you travel outside of the US/Canada with your bicycle.



Vehicle contact protection

This added coverage gives you the insurance protection you need in case you are hit by a vehicle that doesn’t carry the proper insurance protection to cover your losses.



Medical payments

Cover your medical costs if you are injured while riding–up to your policy limit. Limits range from $1,000 to $10,000.



Roadside assistance

With this coverage, you can get nationwide 24-hour emergency service with up to 35 miles of transportation per breakdown–all for only $12 a year per bicycle.


Special protection for competitive cyclists at no extra cost:


Rental reimbursement

We offer coverage for renting a substitute bicycle if your bike is damaged or stolen while you are away from home and participating in an organized ride—up to $250 per occurrence.



Competitive event fee reimbursement

Helps cover nonrefundable prepaid entry fees up to $500 ($1,000 total per policy term) if your bike is involved in a covered accident, and you are unable to compete or participate.


We’ve expanded our electric bike insurance program.

We’ve expanded our electric bike insurance program.

We now offers coverage for three classes of e-bikes:

  • Pedal assist e-bike with top assisted speed of 20 mph
  • Throttle assist e-bike with top assisted speed of 20 mph
  • Pedal assist e-bike with top assisted speed of 28 mph

Electric bike motors must be 750 watts or under.

Why we're different

Why we're different

You may think you want the cheapest insurance you can find, but cheap isn't everything.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.

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