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All You Ever Wanted to Know About Insurance

All about Insurance Related to Motorcycles

Manufacturers, Dealers and Riders

One thing that motorcycle ‘cruisers’, manufacturers, and sellers share, besides a love of the ‘bike’, is the need for protective insurance that covers inherent risks.  

This guide helps explain insurance coverage for each category.

Motorcycle Insurance

The majority of standard auto and personal liability policies exclude motorcycle insurance. This is why insurance, designed specifically for motorcycles, motor scooters, motor bikes and the like is necessary. Coverage includes liability of the owner or operator in regard to bodily injury or property damage to a 3rd-party. For the most part, companies that write motorcycle insurance add physical damage coverage for fire, theft, comprehensive and collision policies. Accompanying quotes are generally based upon cubic centimeters of the engine displacement.

Insurance companies offer uninsured motorists coverage as an add-on to the liability policy. Some insurance companies also offer optional medical payments and passenger liability coverage.

RELATED: How to be a safe motorcycle cruiser

Motorcycle Custom Manufacturing and Fabricating Insurance

There’s a popular trend among motorcyclists that has created a specialty niche in the motorcycle building industry for distinctive detailing, frame variations and engine modification. As a result, custom motorcycle designers, manufacturers, fabricators, service/repair shops, parts dealerships and others are included in business classes for insurance coverage that should include:

  • General liability
  • Products and completed operations liability
  • Garage keepers legal liability
  • Business personal property that includes theft


Motorcycle Dealers Insurance

Insurance coverage for motorcycle dealers typically is written on a modified auto dealers- liability form that is explicitly adjusted for dealerships. One type of coverage incorporates premises liability for sales operations in relation to service/repair of patrons’ motorcycles and motor scooters. Yet another type incorporates coverage for motorcycles that belong to a customer while it is in the dealers’ repair shop. The latter coverage is likened to a garage keeper’s legal liability coverage.

The dealers supplementary physical damage insurance policy provides coverage for not-yet-sold stored motorcycles.  This includes protection against specific risks, including:

  • Fire
  • Theft
  • Collision
  • Vandalism
  • Riot/civil unrest
  • Other named perils


For more information about the broad range of motorcycle insurance, possible discounts, and other related topics, speak to an experienced independent insurance agent that has your best interest in mind.

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Summary: Whether you are a motorcycle rider or in the industry, this insurance read is for you.