Motorcycles & ATVs
Specialized open-road and off-road protection covering custom parts, uninsured motorist coverage, and enhanced rider liability.
Operational Risk Profile
Riding exposes operators to heightened physical vulnerability and severe road hazards. Accidents frequently result in high-severity bodily injury claims and expensive medical rehabilitation. From an asset standpoint, motorcycles and off-road ATVs are prime targets for quick theft, and they often feature thousands of dollars in uninsured aftermarket upgrades that standard policies ignore.
Core Coverage Considerations
While every rider has a unique profile, a foundational risk management strategy typically includes the following core coverages.
Custom Parts & Equipment (CPE)
Explicit, high-limit endorsements to cover custom paint, specialized exhaust systems, aftermarket chrome, and performance modifications.
Safety Apparel & Gear Coverage
Replaces high-value riding gear, including helmets, leather jackets, boots, and protective pads, if damaged in an accident.
Enhanced Guest Passenger Liability
Specific liability protection covering bodily injury to any passenger riding on the back of your bike.
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