Velosurance bicycle insurance

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.

Contact Info
2720 E. Yampa St. Suite 7B
Colorado Springs, CO 80909
United States
support@velosurance.com
+1 (888) 663 9948

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David Williams

 

David Williams picture

David Williams

Dave, a passionate rider, trail builder, and community organizer, has been riding mountain bikes for over 30 years. As a long-standing member of the cycling community, he is an ardent advocate of the cycling lifestyle and has introduced countless recruits to the sport. When not busy running operations at Velosurance, he’s exploring endless Colorado trails on his e-bike or plans the next epic adventure while hanging out with his dogs.

Posts by David Williams (45)

Cycling Might Be the Closest Thing We Have to an Anti-Aging Pill

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Cycling Might Be the Closest Thing We Have to an Anti-Aging Pill

Bike commuters in a 263,450-person BMJ study had a 41 percent lower risk of dying from any cause. Here is what the longevity research actually says about cycling: the heart,...

21 Jul 2026 By David Williams
What Endurance Cycling Really Does to Your Heart

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What Endurance Cycling Really Does to Your Heart

Cycling is one of the best things you can do for your heart, deep into your 60s and beyond. But hard-training research adds a wrinkle: the risk is unmanaged intensity...

19 Jul 2026 By David Williams
Carbon fiber bicycle frames: does your insurer repair or replace them?

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Carbon fiber bicycle frames: does your insurer repair or replace them?

If your carbon frame cracks in an accident, will your insurer make you ride a repaired frame or put you on a new one? Here's how that decision actually gets...

18 Jun 2026 By David Williams
When to hire a bicycle accident attorney

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When to hire a bicycle accident attorney

Whether you’re a seasoned cyclist or just starting out, it’s important to know when to seek the help of a bicycle accident attorney. For many people, cycling is a way...

15 May 2023 By David Williams
Support Your Local Bike Shop: Expert Service, Community Roots, and the Pro-Build Advantage

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Support Your Local Bike Shop: Expert Service, Community Roots, and the Pro-Build Advantage

Many people turn to online retailers for convenience and savings when shopping for a new bike. Window shopping for bikes from the comfort of your home is a great way...

26 Apr 2023 By David Williams
Why Seniors are Switching to E-Bikes and E-Trikes: Health, Stability, and New Safety Tech

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Why Seniors are Switching to E-Bikes and E-Trikes: Health, Stability, and New Safety Tech

Most people can recall the carefree days of childhood, riding their bikes for the sheer joy of it. Yet somehow, in the years between childhood and adulthood, many leave this...

24 Oct 2022 By David Williams
How bicycle theft happens

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How bicycle theft happens

Over the past year, bicycles have become an increasingly valuable commodity. In cities large and small, bicycle thieves have become well-equipped and organized, leading to bicycle theft now reaching epidemic...

15 Jun 2021 By David Williams
10 stretches every cyclist should be doing

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10 stretches every cyclist should be doing

The above is a pre-ride stretching routine for many cyclists. Newsflash: this type of stretching does more harm than good before and is best left until after the ride.

24 Feb 2021 By David Williams
What cyclists must know about Health Insurance

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What cyclists must know about Health Insurance

Most people don’t consider the risks involved in seemingly safe exercises and physical activities. However, unless your hobbies include extreme sports such as base jumping or motorcycle racing, every time...

02 Dec 2019 By David Williams
Things to know before insuring your bicycle

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Things to know before insuring your bicycle

If you’re an experienced cyclist, then you’ve probably owned multiple bikes, each progressively better and more expensive than the last. Whether you’re a commuter, a roadie, a mountain biker or...

17 Jun 2019 By David Williams
Getting into endurance mountain biking

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Getting into endurance mountain biking

Anyone who considers themselves a mountain biker already knows the joys of venturing into the vast wilderness with nothing but their trusty two-wheeled companion and whatever they managed to cram...

24 May 2018 By David Williams
Bike touring—what is it and how do I get started

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Bike touring—what is it and how do I get started

Simply put, bike touring is traveling by bicycle. Even if you’re a novice cyclist, you surely have already discovered the joy and beautiful scenery experienced when riding a bike. Unlike...

07 May 2018 By David Williams
Tips on buying an electric bicycle

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Tips on buying an electric bicycle

Even though the first US patents documenting electric bicycles were granted in the 1890’s, it wasn’t until the early 2000’s that they really started undergoing the many changes that have...

08 Dec 2017 By David Williams
A cable lock will not save your bicycle from theft

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A cable lock will not save your bicycle from theft

Securing your bike when leaving it unattended is a must-do if you expect it to be there when you return. If you commute by bike, it’s likely that you already...

17 Nov 2017 By David Williams
Getting into cycling as an adult

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Getting into cycling as an adult

If you didn't grow up riding a bike through your neighborhood streets, you might find cycling a bit daunting at first. However, it's just as easy for an adult to...

25 Oct 2017 By David Williams
A guide to riding in wet weather

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A guide to riding in wet weather

Cloudy skies with a forecast of rain might make you change your mind about heading out on your bike. You are not alone: cyclists from Miami to Portland deal with...

14 Oct 2017 By David Williams
How to ride safely in snow and slush

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How to ride safely in snow and slush

The rewards of conquering winter weather on your bike are many. You never have to worry about getting stuck in traffic or jump starting your vehicle because the cold weather...

06 Oct 2017 By David Williams
Want to start cycling after 50? Here's how

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Want to start cycling after 50? Here's how

Bicycling can have a plethora of positive health effects. Cycling increases muscle strength in your lower body and spikes a healthy brain protein essential to maintaining and improving neural pathways....

16 Sep 2017 By David Williams
Not just for kids: how to choose a bike helmet

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Not just for kids: how to choose a bike helmet

It was more than 100 years after the invention of the bicycle that bike helmets came into widespread use and another decade before safety standards for them were established. Although...

22 Jul 2017 By David Williams
How to pick the right cycling gear

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How to pick the right cycling gear

There’s more to cycling than hopping on your bike and hitting the road. Finding the right gear optimizes your riding experience while keeping you safe and comfortable, whether you’re commuting...

09 Jul 2017 By David Williams
Which bike should I buy for my kid?

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Which bike should I buy for my kid?

Buying the correct bicycle for your child is the first step to creating a lifelong love of the sport. Bikes that aren't suited to your child's size, ability or riding...

26 Jun 2017 By David Williams
The 411 on storing your bicycle

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The 411 on storing your bicycle

Whether you ride your bike every day or occasionally, putting it away clean will significantly extend its life. It might seem counter-intuitive, but bikes require a bit more care than...

25 Jun 2017 By David Williams
Tips to keep your bike riding longer and better

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Tips to keep your bike riding longer and better

Keeping your bicycle in tip-top shape can prevent you from being stranded on the side a road, or even worse, on a trail miles away from civilization. A well-running bike...

29 May 2017 By David Williams
Cycling accidents with pedestrians

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Cycling accidents with pedestrians

Cycling might be one of the most versatile activities you can engage in. It can be fun and leisurely or an intense adrenaline rush. It can be done by anyone,...

27 Feb 2017 By David Williams
E-bikes are wooing Americans

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E-bikes are wooing Americans

Electric bike sales in Europe have shown double-digit growth, with sales in the Netherlands surging by 24%. It’s estimated that about 350,000 electric bicycles were sold to customers in the...

03 Oct 2016 By David Williams
How to choose the right bicycle

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How to choose the right bicycle

Bicycles are becoming increasingly popular in modern culture. Not only are they used for exercise and recreation, but they are also an environmentally friendly mode of daily transportation. For millions...

28 Jun 2016 By David Williams
Most common questions

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Most common questions

We get asked a lot of questions. Since the only stupid question is the one you did not ask, here is a list of the most common ones. 1. Is...

15 May 2015 By David Williams
Why should I insure my bicycle?

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Why should I insure my bicycle?

Your car is transportation, your home is shelter from the elements, but what is your bike? When you were a kid your bike was a toy, but today it has...

25 Oct 2014 By David Williams
How to not get your bicycle stolen

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How to not get your bicycle stolen

Stolen bicycles are almost never recovered and all it takes is a momentary lapse of concentration and bam, it’s gone! So how do you prevent bicycle theft?

24 Oct 2014 By David Williams
Uninsured driver, liability, medical coverage

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Uninsured driver, liability, medical coverage

Physical damage and loss of the bicycle is easy to understand. If the bicycle is damaged or stolen the policy will pay to repair or replace it, but what about...

20 Oct 2014 By David Williams
Bicycle insurance - what is covered?

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Bicycle insurance - what is covered?

When figuring out what value to consider when insuring your bicycle you should include everything normally attached to the bike when you ride, plus some things that are not always...

28 Sep 2014 By David Williams
Kids and bicycles - what every parent should know

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Kids and bicycles - what every parent should know

The chills of winter have given way to clear sunny days and there’s nothing more fun on days like this than a family bicycle ride at the park. It is...

09 Jul 2014 By David Williams
Most common accidents when riding on the road

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Most common accidents when riding on the road

Every road rider knows how quickly things can change and that you need to rely on all your bike handling skills to avoid being injured in a bicycle vs automobile...

24 Jun 2014 By David Williams
Why you must have uninsured motorist insurance

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Why you must have uninsured motorist insurance

We hope it never happens but often a cyclist is badly injured by a driver who has no insurance or a motorist who has insufficient insurance (the minimum liability insurance...

28 Mar 2014 By David Williams
Bicycle insurance cost explained

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Bicycle insurance cost explained

An often asked question is why does bicycle insurance cost as much as my motorcycle/auto insurance? This is a great question that needs discussion. Let’s consider some other anomalies in...

16 Mar 2014 By David Williams
10 questions to ask your insurance agent

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10 questions to ask your insurance agent

When bicycle insurance is discussed, the most common question that arises is “isn’t my bike covered by my home insurance?” The answer is: possibly, but not very effectively. Home or...

19 Dec 2013 By David Williams
How bicycle insurance claims happen?

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How bicycle insurance claims happen?

Claims happen because of a sudden or accidental loss to your bike. If your tires wear out this is not sudden or accidental. If your ten year old frame develops...

21 Nov 2013 By David Williams
My bicycle was stolen. What now?

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My bicycle was stolen. What now?

You walk around the corner to where you left the bike securely locked and that feeling hits you in the pit of your stomach. The bike is stolen. Your initial...

20 Nov 2013 By David Williams
How to make sure that your bike remains yours

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How to make sure that your bike remains yours

Each year, somewhere between 800,000 and two million bicycles are stolen. Bike theft is “big business,” worth as much as $50 million per year. It’s impossible to determine the actual...

19 Nov 2013 By David Williams
A starter guide to bicycle commuting

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A starter guide to bicycle commuting

Commuting to work, school, or just running errands by bicycle can be an exciting commitment. There are however many factors to be considered to make your ride more enjoyable.

12 Nov 2013 By David Williams
How much should I insure my bike for?

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How much should I insure my bike for?

The correct amount to insure for is the cost to purchase the bike plus upgrades and accessories added to the bike after purchase. You can include and insure the cost...

07 Sep 2013 By David Williams
Bicycle insurance mistakes and misconceptions

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Bicycle insurance mistakes and misconceptions

Your bicycle most likely will have some very limited coverage under your homeowners or renters policy, however, there are usually limits on the value of the bike and the types...

22 Aug 2013 By David Williams
Flying with a bike

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Flying with a bike

The size restriction of 62 linear inches that most airlines adhere to as being oversized is impossible to conform to for most fixed frame bikes in a travel case. Even...

29 May 2013 By David Williams
Cyclists: what to do if you are hit by a car

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Cyclists: what to do if you are hit by a car

First of all, call 911 and ask for the police and EMS Next, don’t talk to anyone about the crash, especially who could be at fault. When the crash happens...

26 Feb 2013 By David Williams
Bicycle insurance rates and coverage

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Bicycle insurance rates and coverage

While cyclists share passions, cycling often means different things to different people. That's why Velosurance does not offer one-size-fits-all insurance policies. Rather than just covering your bicycle under your homeowner's...

22 Jan 2013 By David Williams