Embrace the open road

with solutions built for riders

High-impact protection that covers your bike, custom gear, and liability on every single turn. Without compromise.

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Bikes For Every Kind of Ride

  • Cruisers

    Built for low-slung comfort, iconic style, and effortless boulevard roaring. We protect your custom chrome and V-twin muscle.

  • Sport Bikes

    Engineered for precision handling, high RPMs, and track-inspired aerodynamics. Get aggressive coverage built for the fast lane.

  • Touring Bikes

    Premium comfort designed for the cross-country haul. Full protection for your luxury rig, luggage, side cases, and passenger.

  • Three-Wheelers

    Unmatched stability meets open-air freedom. Specialized coverage tailored for three-wheel engineering and extended road trips.

    • Dual Sport & Adventure

    • Naked & Streetfighters

    • Custom & Modified Builds

    • Scooters & Mopeds

    • Vintage & Cafe Racers

    • Dirt Bikes & Off Road Motocross

What Your Coverage Can Do For You

Gear up with confidence. Explore the core motorcycle coverages below, then let us build a tailored policy that protects your bike, your lifestyle, and your budget.

  • Accessory & Custom Parts

    What it does: Provides explicit coverage for aftermarket upgrades, custom paint, performance exhaust systems, chrome accents, and safety gear like helmets and jackets.

    Why you need it: Factory policies only cover a bike as it rolled off the showroom floor. If you've invested thousands in custom bars, pipes, leather saddlebags, or a high-end helmet, this ensures your total investment is covered, not just the stock frame.

  • Liability

    What it does: Covers bodily injury and property damage to others if you are at fault in an accident while riding.

    Why you need it: If you hit another vehicle, a pedestrian, or a passenger on another bike, this pays for their medical bills, vehicle repairs, and your legal defense costs if you face a lawsuit.

  • Uninsured & Underinsured

    What it does: Protects you if you are hit or run off the road by a driver who carries no insurance or doesn't have high enough limits to pay for your injuries.

    Why you need it: Motorcyclists are highly vulnerable to distracted drivers. If someone cuts you off and flees the scene or carries a bare-minimum policy, this ensures your medical bills and bike repairs are fully covered.

  • Comprehensive

    What it does: Covers damage to your bike caused by non-collision events out of your control.

    Why you need it: Motorcycles are prime targets for theft and vandalism due to their size. This covers your bike if it's stolen from a hotel parking lot, knocked over in a storm, catches fire, or hits an animal on a backcountry road.

  • Collision

    What it does: Pays to repair or replace your motorcycle if it is damaged in an accident, regardless of who caused it.

    Why you need it: Whether you lose traction on gravel, take a spill on a tight turn, or collide with another vehicle on the highway, this handles the steep cost of OEM parts and frame repairs to get you back on two wheels.

  • Medical Payments

    What it does: Quickly pays for necessary medical treatment, ambulance rides, and emergency room co-pays for you and your passenger after a riding accident, no matter who is at fault.

    Why you need it: Health insurance deductibles can be incredibly high. Medical Payments acts as a first-line safety net to handle immediate medical expenses without waiting for an accident investigation to wrap up.

  • Passenger Liability Coverage

    What it does: Specifically extends your liability limits to protect a passenger riding on your pillion seat if they are injured in an accident.

    Why you need it: Many riders don't realize that in some states, Guest Passenger Liability isn't automatically included in standard bodily injury coverage. If you love riding two-up with family or friends, this ensures they are fully protected.

  • Roadside Assistance

    What it does: Provides 24/7 emergency towing using specialized motorcycle tie-down equipment, flat-tire changes, and fuel delivery. If you are far from home, it also helps cover emergency lodging and food.

    Why you need it: Getting stranded on a highway is stressful, and standard tow trucks can easily damage a bike's forks or fairings. This guarantees a flatbed or bike-specific trailer handles your ride and saves you from a massive towing bill during a road trip.

Bundle & Save

We’ll help make sure your coverage & discounts are working together.

LET'S REVIEW YOUR COVERAGE

  • BUILT AROUND YOU

    We design custom portfolios tailored to your specific lifestyle and risks, rather than forcing you into a cookie-cutter policy.

  • REAL SERVICE

    Skip the automated phone trees. Enjoy direct access to a local, trusted advisor who proactively manages your protection.

  • ZERO GUESSWORK

    Insurance shouldn't be a mystery. We break down the complexities, so you fully understand your coverages and exclusions.

  • REAL OPTIONS

    As an independent brokerage, we leverage our network of top carriers to secure premium protection at competitive rates.

01
Tell Us About Your Needs

02
Review Coverage Options

03
Choose Your Solution

Frequently Asked Motorcycle Questions

  • Yes, nearly every state mandates a minimum level of liability insurance before you can legally ride on public roads. However, minimum state limits rarely cover the full cost of a serious accident or vehicle replacement. If your bike is financed, your lender will also require you to carry full Comprehensive and Collision coverage to protect their investment.

  • Standard factory policies typically only cover the bike exactly as it rolled off the showroom floor. Because we work with specialized national carriers, we can explicitly add Accessory & Custom Parts endorsements to protect your aftermarket exhaust, custom handlebars, upgraded seats, paint jobs, and saddlebags for their true value.

  • Motorcycle insurance rates are highly personalized and vary based on a few key factors: the type and engine displacement (cc) of your bike, your age, your riding history, your location, and how securely the bike is stored. Completing an approved motorcycle safety course or bundling your policy can also unlock significant discounts.

  • Completely canceling your policy for the winter is a major mistake, as it creates a "lapse in coverage" that will spike your rates next spring. Instead, we can set you up with a specialized Lay-Up Policy. This maintains your comprehensive coverage against winter storage risks like theft or fire while dropping the costly road-riding portions (like collision and liability) during the cold months to save you money.

  • Yes, provided your policy includes Comprehensive coverage. While your bike is securely tucked away for the season, comprehensive protection ensures you are fully covered against garage fires, roof collapses, vandalism, and theft.

  • In many cases, yes! Specialized motorcycle policies often include built-in or add-on coverage for protective riding apparel. This helps cover the cost to replace your helmet, riding jacket, boots, and gloves if they are damaged or destroyed in a covered accident.

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