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Why Bicycle

Whether at your home, on your auto, riding the trail or the road, bicycles are rarely covered for theft or damage. Velosurance offers the availability of a multi-risk, stand-alone insurance policy allowing cyclists to insure their bikes for theft, physical loss, damage, and liability.

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What is Velosurance?

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. Our cycling insurance policy is superior to any other similar product available in the insurance marketplace. There simply is no substitute.

We are proud to serve our fellow cyclists with an insurance policy that covers just about anything that can happen to a bike. Everyone who works at Velosurance is an avid rider, so when you call us you are speaking to another cyclist who understands you and your bike.

Why Velosurance is best for your bicycle

Not all types of insurance are created equal. Velosurance levels the playing field by offering a stand-alone bicycle insurance policy where claims will not affect your homeowner or renters policy premiums.

Policy Coverage Home Owner Policy Renters Policy
Insured at Full Value Possibly Possibly Yes
Crash Damage No No Yes
Theft Coverage Limited Limited Yes
Theft Away From Home Possibly Possibly Yes
Vehicle Contact No No Yes
Personal Liability Possibly Possibly Yes
Replacement Bike Rental No No Yes
Event Fee Return No No Yes
Cycling Apparel Insured No No Yes
Medical Payments Possibly Possibly Yes
Racing Coverage No No Yes
Electric Assist Bicycles No No Yes
Bicycle Airline Shipping Coverage No No Yes


What is Covered?

The coverage issued through Velosurance is a multi-risk policy with the option to add additional coverage to protect the cycle owner against many types of losses. You choose the coverages to customize your individual policy.

Velosurance Cyclist Insurance Policy is a stated value, replacement cost, all risk policy. That is insurance talk for “we insure your bike for the value you tell us and we replace new for old if it gets damaged or lost and if we don’t tell you it’s excluded, then it is covered” All bicycle insurance claims are submitted directly to Velosurance. We then provide the insurance company claim department with a complete claim file and follow each claim to it’s satisfactory resolution.

Crash Damage to
Frame & Wheel Set

Accident Damage to
Frame & Wheel Set

Total Loss by
Crash or Theft

Damage or Loss
in Transit

Theft of Spare

Liability to


Bike Rental


Members of USA Cycling, USA Triathlon, and International Mountain Bicycle Association (IMBA) receive discounts on Velosurance bicycle insurance products.

Velosurance provides bicycle insurance policies in the following states: Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, North Carolina, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin.

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