• Motorcycle Insurance

  • GET A QUOTE FOR YOUR INSURANCE NEEDS

  • Your motorcycle is not adequately covered by your auto or home insurance. Your bike and accessories require specialized coverage. We offer many coverage options including increased limits of liability, uninsured motorist, and accessory coverage.

    • BODILY INJURY AND PROPERTY DAMAGE LIABILITY

      covers your legal liability for a covered accident that involves injury to another person or damage to someone’s property, up to the limit of liability you select

    • COMPREHENSIVE AND COLLISION COVERAGE

      This coverage pays to repair or replace your motorcycle if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage. With Collision coverage, your insurance company pays for damage to your motorcycle when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply. With Comprehensive coverage, your insurance company pays for damage to your motorcycle caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your motorcycle is flooded or stolen, Comprehensive coverage will apply.

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    • UNINSURED MOTORIST BODILY INJURY

      This covers injuries and damages you incur that the at-fault party is legally liable for, such as medical treatment and lost wages. If your injury expenses exceed the at-fault party’s Liability limits, you can use Under insured Motorist Bodily Injury coverage to pay for the amount not covered by the at-fault person’s insurance. Similar to Uninsured Motorist coverage, Under insured Motorist coverage is designed to cover the gap between the other person’s Liability limits and the amount of your injury expenses, up to the Under insured Motorist limits you select.

    • MEDICAL PAYMENTS (MED PAY) COVERAGE

      This coverage pays the cost of necessary medical care you receive as a result of a motorcycle accident and can be used regardless of who is at fault.

    • CUSTOM PARTS AND EQUIPMENT (CPE)/ACCESSORY

      Additional CPE coverage can be purchased to cover equipment. CPE covers equipment, devices, accessories, enhancements and changes, other than those that the manufacturer originally installs, that alter the appearance or performance of a motorcycle or off-road vehicle. This includes, but is not limited to:

      • Any electronic equipment, antennas and other devices used exclusively to send or receive audio, visual or data signals or play back recorded media, other than those that the manufacturer originally installs, that are permanently installed on the motorcycle or off-road vehicle using bolts or brackets, including slide-out brackets.
      • Sidecars (when attached to the insured cycle)
      • Trailers designed to be pulled behind a motorcycle or off-road vehicle (when attached to the insured cycle)
      • Trike conversion kits
      • Custom paint, custom plating or custom exhaust
      • Mower blades, plow blades or winches
      • Safety riding apparel, including helmets. (Coverage is provided in the event of a Collision loss. Theft is not covered.)
    • ROADSIDE ASSISTANCE COVERAGE

      This provides towing to the nearest qualified repair facility and necessary labor at the place of breakdown when your motorcycle or off-road vehicle is disabled due to any of the following:

      • Mechanical or electrical breakdown
      • Dead battery
      • Flat tire
      • Lockout
      • Insufficient supply of fuel, oil, water or other fluids
      • Entrapment in snow, mud, water or sand within 100 feet of the roadway