About
BikeInsure was created with a simple belief — cyclists deserve insurance designed specifically for their bicycles and e-bikes.
My name is Buzzy Cohn, founder of BikeInsure. I've been a cyclist for most of my life, and understand firsthand the freedom that riding provides. That perspective changed after a personal crash destroyed my road bike — and I quickly realized how unprepared traditional insurance was for cycling equipment.
Before BikeInsure existed, riders — myself included — were left trying to fit our bikes into homeowners policies. In my own experience, even with a scheduled rider on an expensive bicycle, I learned that those policies are not built to handle bicycle claims without broader consequences — including significantly higher homeowners premiums. For many riders, it can mean non-renewal of the home insurance policy altogether.
That experience led directly to the creation of BikeInsure.
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A Better Bike Insurance
BikeInsure provides standalone coverage for bicycles and e-bikes, designed to reflect how cyclists actually ride — whether casually, commuting, training, racing, or traveling.
Every policy includes accidental damage to a bicycle or e-bike while riding, transit protection, and coverage for listed accessories. Optional theft coverage is available for riders who want it.
BikeInsure policies are completely separate from homeowners or renters insurance — claims never touch your home insurance record. For riders with valuable bicycles or e-bikes, that separation is the single most important reason to choose dedicated bike insurance over a scheduled insurance rider.
Built on Real-World Experience
When BikeInsure launched, it introduced the first fixed-price comprehensive bicycle insurance programs in the United States.
Since then, the program has evolved based on real-world claims experience and the rising value of modern cycling equipment. Today, BikeInsure supports coverage available up to $50,000 per bicycle or e-bike, with policy structures designed to balance protection, usability, and long-term sustainability.
That evolution is reflected in how claims are handled. Most BikeInsure claims have been paid in under 14 days, with 40% resolved within 7 days. The process is separate from home insurance, straightforward, and handled by a licensed claims administrator working directly with you and your bike shop.
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Trusted by the Cycling Community
BikeInsure is the official bike insurance partner of USA Cycling, the International Mountain Bicycling Association (IMBA), USA Triathlon, the League of American Bicyclists, and Adventure Cycling Association — and is the designated bike insurance partner for select brands, including Canyon USA, Pivot Cycles, and Tern Bicycles.
These partnerships reflect a shared commitment to protecting riders’ equipment — from casual cyclists to elite competitors.
BikeInsure policies are underwritten by Great American Insurance Company, rated A+ (Superior) by AM Best. Coverage is available in all 50 states and Washington, D.C.
Getting Covered is Simple
Getting a quote takes seconds. Enrollment is completed online in minutes. Your policy and claims are managed digitally through the BikeInsure Customer Portal — from anywhere in the US, at any time.
Coverage begins immediately for qualifying cycle equipment upon enrollment and payment. From that moment, you can ride knowing your bicycle or e-bike is protected by a policy built specifically for the way cyclists ride — not adapted from a homeowners policy that was never designed for it.
