Do you cover bike messengers?No, we do not cover any form of commercial use of your bicycle. Professional racing however is not considered commercial use. Back to FAQ Index >> Was this reply helpful? Related questions Uninsured Motorist Contact Protection This optional coverage protects the insured bicycle rider from medical and other related expenses incurred from a physical contact with a hit-and-run, an uninsured o I had my damaged bike repaired. Can still I buy insurance? Yes, professionally repaired bikes qualify for insurance coverage. What is a Minimum Earned Premium? Each policy has a minimum earned premium of $100. This means that the minimum cost for a policy is $100.