What is the difference between Bike Fleet and Bicycle 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.