Motorcycle Insurance2025-12-24T03:36:56+00:00

Motorcycle Insurance: Protection for the Open Road

Coverage for Olmsted Falls, Olmsted Township, and the State of Ohio.

Protection That Goes Beyond the Bike.

Motorcycle insurance isn’t just to protect your bike, it also protects others. Similar to car insurance, liability coverage comes standard, ensuring you’re covered if you damage property or cause someone else to be hurt in an accident. Most states require motorcycle insurance and you may need proof of insurance to register your motorcycle.

We offer coverage for most vehicles licensed for public roads, including cruisers, sport bikes, touring bikes, minibikes, scooters, dirt bikes, ATVs, and snowmobiles—even custom motorcycles and those more than 25 years old.

Specialized Coverage for Life on the Water

Protection & Loss

Total Loss Coverage (TLC)
Replaces a “totaled” motorcycle with a new model of similar make and quality.

Physical Damage Coverage
Coverage for damage to the bike itself (Comprehensive and Collision).

OEM Parts Guarantee
Ensures your repairs use Original Equipment Manufacturer (OEM) parts, not aftermarket substitutes.

Accessory Coverage
Protection for added equipment like chrome, custom paint, or saddlebags.

Rider & Injury

Enhanced Injury Protection
Extra coverage designed specifically for the rider’s unique injury risk.

Medical Payments
Covers medical expenses for you or your passengers following an accident.

Safety Riding Apparel Coverage
Pays for replacement or repair of protective gear like helmets, jackets, and boots after a loss.

Uninsured/Underinsured Motorist
Protects you when the at-fault driver has insufficient coverage.

Trip & Specialty Cover

Roadside Assistance
Provides help if your motorcycle breaks down on the road.

Trip Interruption
Pays for lodging, meals, and transportation if your trip is interrupted by a covered breakdown.

Transport Trailer Coverage
Protects the trailer used to transport your motorcycle.

On-Road Coverage for Off-Road Vehicles
Provides coverage for your ATV, dirt bike, or snowmobile when it is on the road.

Motorcycle & Powersports Coverage

We know your bike is your pride and joy. Find out how we cover custom chrome, safety apparel, and accessories to keep you protected on every ride.

Do you insure ATVs and Snowmobiles?2025-12-15T14:44:04+00:00

Absolutely. We insure most recreational vehicles, including ATVs, dirt bikes, snowmobiles, and scooters, providing both on-road and off-road coverage options.

Does my policy cover my custom chrome and accessories?2025-12-15T14:44:02+00:00

Yes, we offer Accessory Coverage to protect your custom paint, saddlebags, and chrome upgrades. We know custom bikes are a labor of love, and we insure them accordingly.

What if I break down while riding?2025-12-15T14:44:02+00:00

We offer Roadside Assistance and Trip Interruption coverage. If you break down away from home, Trip Interruption can pay for lodging, meals, and transportation.

Coverage for the Open Road & Gear

Specialized protection that covers your custom bike, gear, and includes valuable features like an OEM Parts Guarantee and Enhanced Injury Protection.

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