Ultimate Bicycle Protection

Whether at your home, on your auto, riding the trail or the road, bicycles are rarely covered for theft or damage. Velosurance offers the availability of a multi-risk, stand-alone bicycle insurance policy allowing cyclists to insure their bikes for theft, physical loss, damage, and liability.
Specify the value of first bike only. Multiple bikes can be added on the next page.

What is Velosurance?

Velosurance is a national insurance agency founded by two cyclists in response to the insurance needs of bicycle riders nationwide. We partnered with an A.M.Best “A” rated, US insurance company to provide a multi-risk policy offering protection to all types of cyclists. Our cycling insurance policy is superior to any other similar product available in the insurance marketplace. There simply is no substitute.

We are proud to serve our fellow cyclists with an insurance policy that covers just about anything that can happen to a bike. Everyone who works at Velosurance is an avid rider, so when you call us you are speaking to another cyclist who understands you and your bike.

Why Velosurance is best for your bicycle

Not all types of insurance are created equal. Velosurance levels the playing field by offering a stand-alone bicycle insurance policy where claims will not affect your homeowner or renters policy premiums.

Policy Coverage Home Owner Policy Renters Policy Velo surance
Insured at Full Value Possibly Possibly Yes
Crash Damage No No Yes
Theft Coverage Limited Limited Yes
Theft Away From Home Possibly Possibly Yes
Vehicle Contact No No Yes
Personal Liability Yes Yes Yes
Replacement Bike Rental No No Yes
Event Fee Return No No Yes
Cycling Apparel Insured No No Yes
Medical Payments Possibly Possibly Yes
Racing Coverage No No Yes
Accident Frame Failure No No Yes
Borrowed Bicycle No No Yes

What is covered by Velosurance

The coverage issued through Velosurance is a multi-risk policy with the option to add additional coverage to protect the cycle owner against many types of losses. You choose the coverages to customize your individual policy.

Crash damage to
frame & wheel Set
Accident Failure of frame or wheelset
Total loss by crash
Total loss by theft

Theft of spare parts
Liability to others

Road side assistance
Replacement bike rental
Velosurance Cyclist Insurance Policy is a stated value, replacement cost, all risk policy. That is insurance talk for “we insure your bike for the value you tell us and we replace new for old if it gets damaged or lost and if we don’t tell you it’s excluded, then it is covered” All bicycle insurance claims are submitted directly to Velosurance. We then provide the insurance company claim department with a complete claim file and follow each claim to it’s satisfactory resolution.


Members of USA Cycling, USA Triathlon, and International Mountain Bicycle Association (IMBA) receive discounts on Velosurance bicycle insurance products.

Velosurance provides bicycle insurance policies in the following states: Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kentucky, Louisiana, Massachusetts, Maryland, Michigan, Minnesota, Missouri, North Carolina, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin.

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Velosurance Trusted Partners

Velosurance has partnered with local bike shops throughout the USA to provide our policyholders with service when a damaged bike needs repair or replacement. Trusted Partner bike shops are listed on the Velosurance website so no matter where you need service there is a Velosurance Trusted Partner nearby. Our policyholders are also free to choose their preferred service location.

Freshbikes Fairfax Mosaic

  • Phone: 703-248-9600
  • Address: 2905 District Ave
    Fairfax, VA 22031
  • Hours:
    Mon - Fri: 11:00 AM-8:00 PM
    Sat: 10:00 AM-6:00 PM
    Sun: 1:00 PM-6:00 PM

Freshbikes Bethesda

  • Phone: 703-248-9600
  • Address: 7626 Old Georgetown Rd
    Bethesda, MD 20814
  • Hours:
    Mon - Fri: 11:00 AM-8:00 PM
    Sat: 10:00 AM-6:00 PM
    Sun: 1:00 PM-6:00 PM

All American Bicycle Center

  • Phone: 301-253-5800
  • Address: 26039 Ridge Road
    Damascus, MD 20872
  • Hours:
    Mon - Fri: 10:00 AM-7:00 PM
    Sat: 10:00 AM-6:00 PM
    Sun: 11:00 AM-4:00 PM


  • Phone: 703-248-9600
  • Address: 3924 Wilson Blvd
    Arlington, VA 22203
  • Hours:
    Mon - Fri: 11:00 AM-8:00 PM
    Sat: 10:00 AM-6:00 PM
    Sun: 1:00 PM-6:00 PM
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What Customers Say

If you spend hard earned money on a bike I recommend thinking about a bike insurance. I'm very glad that I did reach out to Dave of Velosurance. Dave was great help in advising on the right coverage. He acted as a cyclist more than an insurance agent.
While in France I did the 'unthinkable' and drove into a low overpass with my new bike on the roof rack. You helped me through the claims process, which was painless, and within days I had a check for the full amount of the loss. As bad as I felt about wrecking my bike, I would have felt a whole lot worse had I not had Velosurance.
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