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Why Bicycle Insurance?

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 insurance policy allowing cyclists to insure their bikes for theft, physical loss, damage, and liability.

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
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 Possibly Possibly 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
Electric Assist Bicycles No No Yes
Bicycle Airline Shipping Coverage No No Yes


Coverages & Features

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.

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.

Bicycle crash insurance coverage

Any Crash or Accidental Damage*

bicycle theft coverage

Total Loss by Theft

bicycle loss in transit coverage

Damage or Loss in Transit*

Velosurance worldwide coverage

World Wide Coverage

Liability to others

Liability to Others

roadside assistance

Roadside Assistance

Medical Coverage

Medical Coverage

Velosurance Trusted Partners

Bike Shop Partner Network

* excludes cosmetic damage

Velosurance Story

It all started over tacos.

Velosurance is a national insurance program founded by two avid cyclists, Dave Williams and Denis Voitenko in response to the insurance needs of bicycle riders nationwide.

One very rainy day at a local taco joint in Fort Lauderdale we started discussing how badly home and renters policies insured bicycles. We knew there had to be a better way so we set about finding out how we could take a traditional piece of insurance and make it better, much better. On that wet day over tacos, Velosurance was founded.

We partnered with Markel American Insurance Company, an A.M. Best, A rated, US insurance company, and a leader in recreational insurance, to offer a multi-risk bicycle insurance policy providing protection to all types of cyclists, and with none of the silly restrictions that other insurance wants to place on riders.

Our Mission

We are riders too.

Bicycle prices increase every year and cyclists who are serious about their sport are spending big money on high value bikes. Other forms of insurance, like homeowners and renters insurance, do a poor job insuring high value bicycles so we founded Velosurance to fix that.

Velosurance provides a stand-alone, no bike value depreciation, bicycle insurance policy to replace the cobbled together, sub standard coverages offered by traditional insurance.

We are cyclists just like you, and we understand that when your bike gets damaged in an accident you want the shortest possible downtime. We make it our mission to see that your claim check arrives before the repair parts do and you get back pedaling as soon as you want to.

The Velosurance mission is to be fair to everyone involved, and to offer our best advice to clients so they can make an educated decision about their bicycle insurance coverage. We also like to ride as much as possible.

Velosurance Trusted Partners

Velosurance service near you

Velosurance partners 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.


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, Delaware, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, 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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