Velosurance is a national bike insurance specialist 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.
Insurance created for cyclists, by cyclists
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We are our own first clients
On a rainy day in Fort Lauderdale, two friends and avid cyclists got together to discuss how badly home and renters policies insured bikes while completely overlooking the niche risks cyclists take on every time they go for a ride. As we recounted personal experiences and anecdotes, it became obvious that there had to be a better way. We set to bring a product to the market that would provide coverage that cyclists would actually want. On that wet day over tacos, Velosurance was founded.
We empower cyclists with reliable, specialized insurance that offers peace of mind, protects their investments, and covers risks associated with their lifestyle.
Our values
Our values are rooted in putting cyclists first. We listen closely and respond to our clients’ needs with transparency, ensuring clear, honest communication about coverage, claims, and support. Guided by integrity, we do what’s right for riders at every step. We embrace innovation, continually enhancing our offerings and tools to fit the evolving lifestyles of modern cyclists. And beyond insurance, we actively support and uplift the cycling community, building connections that keep riders rolling with confidence.
The company we keep
An insurance company is only as good as its ability and willingness to pay claims when disaster strikes. We partnered with Markel, an A.M. Best A-rated, U.S.-based underwriter and leader in recreational insurance known for innovative underwriting and uncompromising fairness in claims handling. Our commitment to getting riders back in the saddle is backed by millions of dollars in paid claims, handled with transparency and care, and evidenced through customer reviews and social media mentions.
Ahead of the curve
As cyclists ourselves, we’re deeply embedded in the riding community and attuned to the pulse of the industry. We were early to recognize the e-bike revolution and offer coverage to meet the needs of this growing movement. In line with this, we introduced $300,000 in optional liability coverage to satisfy the insurance requirements of e-bike owners and the underlying coverage requirements for personal liability umbrella insurance policies. In 2024 we raised this limit to $500,000.
Customer Stories
Client satisfaction is our #1 goal. Here's what our clients say about Velosurance
"I had a very unusual theft occur at my home. My beloved bicycle was part of the stolen property. It took a few months for the police report to get to Velosurance, but they did reimburse me for the loss. They stayed in contact during the process and my claims agent was very kind and understanding of the situation. My replacement bike is arriving in November and I will be contacting Velosurance as soon as it does! "
Dimi C
San Francisco, CA
"I had my e-bike stolen from a locked bike rack while on vacation. Velosurance was incredible. Within two weeks of my bike being stolen I had a check to replace my bike. The claim process was smooth and easy. I am so grateful I insured my e-bike with velosurance and will insure all of my future bikes with them. "
Meghan S
Miami, FL
"Nobody wants to crash and destroy a bike. 8 weeks ago I was racing and somebody ahead of me went down. 10 of us hit the deck at nearly 30 mph. My beloved bike was toast! I filed a claim. Provided the requested documentation - which was very reasonable - and voila I had a Venmo payment to cover the destroyed pristine race bike, my shredded race kit and destroyed shoes. I’m grateful I bought the coverage three years ago. In fact I was going to cancel after three years but I’m glad I didn’t! Saved by Velosurance! "
Scott S
Chicago, IL
Check out Velosurance reviews to see what people are saying about us.