Business Bike Fleet Insurance

Business bike fleet insurance is designed for 'commercial use' bicycles. This coverage protects your business-owned bike fleet, including ebikes, during the time they are used by others with your permission while under their care, custody, and control.

On the other hand, BikeInsure offers bike insurance specifically for cyclists using their bikes for 'private use' purposes. This includes a variety of activities such as casual rides, competitive events, on-road or off-road cycling, solo rides, group outings, commuting, charity events, gran fondos, triathlons, and cycling races. Notably, acting as a professional cyclist is not considered commercial use and may be covered by BikeInsure insurance for cyclists. Once enrolled, the bicycles or ebikes are covered when used by the insured or family members of the household.

BikeInsure is fully committed to providing insurance solutions specifically for cyclists who own bikes and ebikes for personal use, as well as businesses that operate fleets of bikes and ebikes for commercial purposes.

BikeInsure will enhance engagement with commercial fleets through a monthly bordereau spreadsheet reporting process for small fleets, or by integrating with a company fleet management system to enable fully automated API efficiencies for larger fleets.

Many business insurance policies cover bicycles kept at the primary business location, and from events such as a fire that hits the business location, they often exclude accident and theft coverage when the bikes are used by others with permission, and they typically come with high deductibles.

In contrast, BikeInsure's business bike fleet insurance is specifically designed to cover the bicycles when they are primarily assigned out to others. This policy excludes coverage for criminal acts committed by individuals to whom you have entrusted the equipment. BikeInsure’s fleet insurance offers comprehensive coverage for accident damage and theft for each bike listed in the fleet inventory. This coverage also applies while the bikes are in the care, custody, and control of authorized users, all with a very low per-occurrence deductible.

BikeInsure assigns a licensed insurance account manager to handle your commercial application and support your ongoing needs.

The BikeInsure plan is administered by a licensed insurance producer, BikeInsure, the Official Bike Insurance provider of USA Cycling, International Mountain Bicycling Association (IMBA), and USA Triathlon.

The BikeInsure plan is underwritten by AM Best 'A+' (Superior) rated carrier Great American Insurance Company. (Rating affirmed December 11, 2024). According to AM Best, "An 'A+' (Superior) grade is assigned to insurance companies that have superior ability to meet their financial obligations."

For over 150 years, Americans have trusted Great American Insurance to protect them and render best-in-class service.

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