Ride bold and stay covered with TRU Insurance solutions that actually cover you.
Our specialty liability insurance solutions can cover your biking adventure whether you’re an enthusiast, professional, or business.
What is Biking Liability Insurance?
Biking liability insurance is a specialized solution designed to protect cyclists and cycling businesses from the financial risks associated with claims of bodily injury or property damage to others. As a biking enthusiast, professional, or business operator, embarking on your cycling journey without this layer of protection is akin to navigating a trail blindfolded. Specialty liability insurance can protect you if an accident, incident, or claim occurs.
Whether you’re slicing through the cityscape, conquering rugged terrain, or curating unparalleled biking experiences for others, the potential for unexpected encounters remains omnipresent. XINSURANCE understands the unique challenges and exposures faced by the biking community. Many people opt for cheap insurance policies that are more expensive in the long run if a claim occurs because they find out they aren’t truly covered. We offer TRU Insurance solutions with liability coverage tailored to your needs so you can bike with true peace of mind.
Who Should Have Biking Liability Insurance?
Businesses, professionals, and enthusiasts should have biking liability insurance. We have provided insurance solutions to the following:
- Bicycle Tours
- Mountain Biking Tours
- Guides & Outfitters
- Bike Rental Companies
- Bicycle Racing
- Electric Bikes
- Cycling Enthusiasts
- And More!
Biking Liability Insurance Coverage Options
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Products Liability
Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Active Shooter Liability
Liability protection in the event of an active shooting taking place on company property. Learn more.
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Riot and Civil Commotion Liability
Liability protection against claims made from a riot or civil commotion.
Special Events Liability
Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
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Specify Your Needs
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Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Biking Insurance
Does my home insurance cover biking accidents?
Some home insurance policies may provide limited coverage for biking accidents but typically do not offer extensive liability protection for cycling-related incidents outside the home. Home insurance will not cover business-related operations such as adventure guides, tours, bike rentals, etc.
According to the CDC, nearly 1,000 bicyclists die and over 130,000 are injured in crashes that occur on roads in the United States every year. Are you covered if an accident occurs?
Is biking liability insurance mandatory?
Biking liability insurance is not required federally, but local and state laws may have different mandates. It’s best to check your local and state regulations to determine if liability insurance is necessary for you or your business.
Why is liability insurance important for biking guides?
Coverage helps protect against incidents during tours, classes, and other related cycling activities. Accidents could happen to even the most experienced athletes who follow safety roadside and biking guidelines. Operating your business with insurance helps reduce risks.
Biking liability insurance allows you to:
- Prepare for accidents: Cycling-related accidents commonly include injuries to the knee, head, neck, back, and wrists.
- Protect yourself: Coverage offers protection if biking incidents, claims, or lawsuits occur relating to your services.
- Operate more confidently: Protection allows you to feel at ease while providing biking services for tourists or locals who love to exercise.
Can I get biking liability insurance for a one-time event?
Yes, we offer one-time event coverage solutions for cyclists participating in races or other special events.
Insurance for e-Bikes
Electric bikes or e-bikes, for short, are bicycles that can run on electric power as well as by pedaling. According to PC360, Saving a few dollars at the pump can potentially expose e-bikers to greater financial liability if they are found to be uninsured or underinsured following e-bike collisions. A report found that e-bike riders are more than three times more likely to have a collision with a pedestrian than either scooters or traditional bikes.
XINSURANCE can provide insurance solutions for e-bike companies, rentals, tours, and more!
Insurance for bike rental companies
Bike rentals are widely popular, and it seems many tourist destinations offer multiple bike rental company options. If your company provides bike rentals or bicycle tours, we can provide liability insurance solutions for you. Insurance for bike rental companies provides peace of mind to owners looking to protect their business and their assets.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
How much does biking liability insurance cost?
The cost of biking liability insurance varies based on several factors, including coverage limits, location, cycling habits, business operations, the value of your bike(s), and more.
Mountain Biking Liability Insurance
We provide mountain biking liability insurance solutions for businesses and individuals, including guides, tours, rental companies, and more.
Get a mountain biking insurance quote today!
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Outdoor Recreation
We have been providing specialty liability insurance solutions for over 40 years. We’ve helped businesses, professional guides, guided tours, rental companies, and outdoor enthusiasts from all sorts of outdoor sports and adventures.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
