Do you cover bikes for food delivery or messenger service?

Last updated July 13, 2026

No, commercial use of your bike is excluded. That means food delivery, bike messenger and courier work, document delivery, and any other paid delivery service fall outside the policy. The test is simple: it comes down to whether you are receiving payment or compensation for the use of the bike.

The policy is built for recreational and personal riding, so commuting to work, training, group rides, touring, weekend adventures, and even professional racing are all included.

Commuting is a common point of confusion, and the good news is that riding to and from a job is personal use, not commercial. You are paid for the job, not for the riding, so your commute is covered like any other personal ride.

There is one exception worth knowing: professional racing. Even though racers are compensated, racing is not treated as commercial use and qualifies for coverage when you add racing coverage to your policy.

What counts as commercial use?

Commercial use is any riding where you receive payment or compensation for using the bike. The most common examples are food delivery, bike messenger and courier work, and document or parcel delivery. If a company or customer is paying you to carry something by bike, that ride is commercial and outside the policy.

Is professional racing covered?

Yes. Professional racing is not considered commercial use, even though the rider earns prize money or compensation. It is treated as normal riding and is covered once you select racing coverage. See that answer for how race coverage works.