Business Bike Fleet Insurance

Business bike fleet insurance is designed for commercial-use bicycles. It protects business-owned bikes and e-bikes when they are assigned to others — such as rentals, lease programs, or loaner bikes — and are in the care, custody, and control of authorized users.

In contrast, BikeInsure’s bicycle insurance is designed for personal-use bicycles. It covers bikes and e-bikes owned by individuals when used for activities such as casual riding, commuting, training, events, and racing.

Coverage applies when the insured or members of their household are using the bike. Participating in competitive cycling, including races and events, is considered personal use — not commercial use.

BikeInsure provides insurance solutions specifically designed for businesses that operate fleets of bicycles and e-bikes used by others, including lease programs, rentals, and loaner bikes.

Coverage is built to address real-world use, protecting each bike in the fleet against accidental damage and theft while in the care, custody, and control of authorized users.

BikeInsure supports fleet operations with flexible administration options, including monthly bordereau reporting for smaller fleets and API integration with fleet management systems for larger, more automated programs.

Many business insurance policies may cover bicycles stored at the primary business location for events such as fire, but they often exclude accidental damage and theft when bikes are used by others with permission.

In contrast, BikeInsure’s business bike fleet insurance is specifically designed for bicycles that are assigned to others—such as lease programs, rentals, or loaner bikes. It provides coverage for accidental damage and theft for each bike listed in the fleet inventory, including when the bikes are in the care, custody, and control of authorized users.

Coverage excludes criminal acts committed by individuals to whom the equipment has been entrusted.

BikeInsure Bike Fleet clients receive personalized support from a dedicated licensed insurance account manager — from commercial application through ongoing coverage management.

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

The BikeInsure plan is underwritten by Great American Insurance Company, an AM Best “A+ (Superior)” rated carrier. According to AM Best, an “A+ (Superior)” rating is assigned to insurance companies with a superior ability to meet their financial obligations.

For over 150 years, Americans have trusted Great American Insurance to provide protection and deliver best-in-class service.

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