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.
Bicycle and E-bike Liability Insurance
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What is it?
Cyclist liability insurance protects cyclists from financial responsibility if they cause injury or property damage while using, transporting, or storing a conventional or electric bike.
Cyclist liability insurance exists to protect riders from the financial risks associated with causing injury to others or damaging property while riding. Accidents involving pedestrians, other cyclists, or vehicles can lead to costly medical bills, repairs, and legal claims. Since standard home policies often offer limited or no protection against cycling-related incidents—especially involving e-bikes—this coverage on specialized bicycle insurance fills this gap. It ensures cyclists are financially protected if they are found responsible for an accident, offering peace of mind while riding in busy urban areas, on shared paths, or alongside motor vehicles.
Third-Party Liability
Third-party cycling liability insurance protects cyclists from financial responsibility if they cause injury to someone else or cause harm to someone’s property while riding a conventional or an electric bike. Whether commuting through busy streets, riding recreationally, or navigating trails, cyclists can unintentionally collide with pedestrians, other cyclists, or vehicles, leading to costly consequences. Without adequate protection, a rider may be held personally liable for medical expenses, repair costs, or legal fees arising from such incidents. Carrying such insurance provides peace of mind, ensuring that these unexpected expenses are handled, allowing the cyclist to focus on their recovery and continued riding.
Accidents with pedestrians and other cyclists
Collisions involving pedestrians and other cyclists present significant risks for riders, often resulting in personal injuries, medical expenses, and property repair costs. If a cyclist hits a pedestrian, that pedestrian might sustain serious injuries, such as broken bones or head trauma, leading to high medical bills and possible legal action against the cyclist. Likewise, a collision with another cyclist can cause damage to bicycles, injuries to riders, and disputes regarding fault, which may necessitate legal intervention. In both scenarios, the cyclist at fault may be held financially liable, facing compensation claims and legal fees. Without liability insurance, these expenses can become a substantial financial burden, making coverage essential for safeguarding riders against unexpected claims.
Accidents with Cars
Collisions involving bikes and cars carry significant risks, often leading to severe injuries, expensive property damage, and complex legal disputes. If a cyclist is found at fault—such as running a red light, swerving unexpectedly into traffic, or causing a driver to swerve and crash—they could be held liable for the vehicle’s repairs, medical expenses for injured drivers or passengers, and even legal costs. Additionally, if a cyclist causes a multi-vehicle accident or disrupts traffic, the financial consequences could escalate further. While cyclists are often the more vulnerable party in these accidents, responsibility can still fall on them if their actions are deemed negligent, highlighting the importance of liability insurance to protect against these potentially devastating costs.
E-bike Liability
As e-bikes grow in popularity, the risk of accidents involving others is rising. Conventional insurance shies away from e-bikes, leaving riders vulnerable. Third-party cycling liability insurance fills this gap, offering tailored protection specifically for cycling-related risks. This type of protection is especially crucial in areas with dense traffic, shared-use paths, or where local regulations hold cyclists to a high standard of responsibility.
E-bikes also face battery-related fire risks, prompting concerns from both insurers and property owners. Many apartment complexes, HOAs, and offices now require liability coverage for e-bikes to be stored on-premises.
Coverage Limits
Liability insurance with flexible coverage limits allows riders to tailor their protection to align with their personal risk tolerance and financial situation. Cyclists can choose lower limits if they feel their exposure is minimal or opt for higher limits to safeguard against potentially costly claims involving injuries or property damage. For those who carry an umbrella policy, there is often a requirement for underlying liability coverage—commonly set at $300,000—before the umbrella policy will activate. Velosurance offers liability limits up to $500,000, ensuring that cyclists can meet this requirement and maintain seamless protection across policies. This flexibility gives riders confidence that their liability protection is appropriately scaled to their lifestyle and insurance needs.
We cover all types of bikes
Whether you ride the tarmac or shred the gnar, dodge pedestrians, or cruise the beach, you're a member of a special club of people who appreciate the world in a primal way – on two wheels. To keep you rolling, we address the specific risks associated with your discipline.
Coverages and Features
Velosurance offers must-have protection such as accidental damage, theft, or loss in transit. Each policy can be customized by adding additional coverages such as liability protection, uninsured motorist, and medical payments.
Total loss by theft
Bicycles are very easy to steal and equally difficult to recover, and even a hefty U-lock doesn’t guarantee your bike is still there when you return. Velosurance provides peace of mind if it is stolen or damaged in the process.
Medical payments
If you’re hurt and require medical attention, our policy's optional purchase medical payments will take care of your medical bills, up to the selected limit. The policy medical payments are paid directly to you to supplement the deductible of your personal health insurance policy.
Any crash or accidental damage
Our policy will pay to replace your ride if it is accidentally damaged and beyond repair, including damage that occurs while being carried on or in your vehicle. If the damage can be repaired, we will pay all the costs associated with the bike's repair, including tax, labor, and shipping, minus the deductible. Cosmetic damage that does not affect safety is excluded.
Damage or loss in transit
Bikes often get damaged in transit by personal vehicles, airlines, or courier services. Filing a claim with the airlines and courier services is a notoriously difficult process with a questionable outcome. We cover the insured bicycle for loss or damage while it's on its way to or from your destination by air or road. Even if it falls off a vehicle rack or is hit in a rear-end accident, it is covered, no arguments.
Our shop or yours
When filing a claim, you’ll need to provide a repair estimate from a repair shop. We have a nationwide network of partner bike shops that are familiar with our process and can help you speed through your claim. If you prefer to work with your favorite shop, that works too.
Gear and apparel
If you go down in a crash, we cover the bike as well as your apparel, such as helmet, shoes, glasses, or riding kit that are torn up, and pay up to $500 per accident and $1,000 per year. Spare parts that are not installed, such as a spare wheelset, are also covered up to $500 per loss and $1,000 per year.
Your choice of lock
We do not dictate what type or brand of lock must be used to protect your ride from theft – you are welcome to use any lock that you trust. The best security is provided by metal locks combined with a high-quality chain. Securing your ride to a solid and immovable object, such as a bike rack, with a high-quality lock will send the thief onto the one secured with a more vulnerable lock.
No depreciation
Depreciation is a hidden deductible that increases every year and is applied if the bike is stolen or totaled. No one is ever happy with an Actual Cash Value insurance settlement: the bike is first devalued, and then a deductible is applied, resulting in a reimbursement that is far less than the cost of a replacement. We reimburse you, without depreciation, for the cost of a replacement bike that is of like, kind, and quality similar to your totaled bike.
24/7/365 coverage
We cover the insured bike(s) at all times, anywhere in the USA and Canada, and can be extended worldwide on request. There are no exclusions on the time of day or limitations on how long a bike can be stored away from home. 24/7/365 means every minute of every day, no matter where or when.
Standalone bike insurance
Our standalone policy does not piggyback on coverage provided by the policies you may already have, such as home insurance. A claim will not reflect on your insurance score and will not affect your rates with other insurance carriers. With home insurance rates in the USA going up every year, it’s prudent to reserve it for when you really need it because no matter how expensive your bike is, it’s a lot cheaper than a kitchen fire or a basement flood.
Uninsured motorist coverage
One of the scariest things that can happen to a cyclist is getting hit by a car. This coverage will pay for medical expenses, physical therapy, mental health services, lost wages, and other expenses that arise from a bicycle-car accident.
Permissive use
You can lend the bike to anyone you choose, and it will be covered. The bike and the person riding it are covered as if it were you riding it – this includes theft and crash damage as well as any purchased optional coverages.
Why Velosurance is best choice for your bike
Not all types of insurance are created equal. Velosurance levels the playing field by offering stand-alone bike insurance, where claims won’t affect your homeowner's or renter’s policy premiums.
| Policy Coverage |  | Homeowner/Renters Policy |
|---|---|---|
| Insured at Full Value | Yes | Possibly |
| Crash Damage | Yes | No |
| Theft Coverage | Yes | Limited |
| Theft by Force | Yes | No |
| Theft of Accessories | Yes | Limited |
| Theft Away From Home | Yes | Possibly |
| Vehicle Contact | Yes | No |
| Personal Liability | Yes | Possibly |
| Permissive Use Policy | Yes | No |
| Replacement Bike Rental | Yes | No |
| Event Fee Return | Yes | No |
| Cycling Apparel Coverage | Yes | No |
| Medical Payments | Yes | Possibly |
| Racing Coverage | Yes | No |
| E-bikes | Yes | No |
| Coverage in-transit | Yes | No |
| USAC, USAT and IMBA Member Discount | Yes | No |
| FREE INSTANT QUOTE |
Not all insurance policies provide the same level of protection, and many people only discover gaps in their coverage after filing a claim. We’ve done the hard work of reviewing the fine print. To see how plans compare, check out our insurance comparison.
Customer Stories
Client satisfaction is our #1 goal, and we strive to deliver the best experience every time. Here's what our clients say about Velosurance:
"Velosurance was speedy, responsive and very clear on claims procedures. I am writing this review with a sense of gratitude as service was beyond my expectations and the speedy reimbursement resulting from the claim helped me get back on the saddle. "
Leonardo C
Denver, CO
"I had my e-bike stolen 2 months after purchasing it. The claim process was straightforward and their customer service was phenomenal. I also love how easy it is to manage an account with all the information on their online portal. Highly recommended for bike owners! "
Rema N
San Francisco, CA
"These guys are the absolute best. Took care of the claim in no time. Covered everything. The whole process was as smooth as you could expect and hope for. Don’t think twice, this is my insurance company for my bike for life.
"Phil H
Miami, FL
Check out Velosurance reviews to see what people are saying about us.
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If you have any questions, don't hesitate to get in touch with us.'
America's best bike insurance
Velosurance was created to give our fellow riders insurance that actually covered their lifestyle and peace of mind that no matter what happens on the road or trail, there would be a helping hand to get them back in the saddle.