E-Bike & E-Scooter Coverage

Why E-Bike and E-Scooter Insurance Matters
Most standard insurance policies exclude coverage for e-bikes and e-scooters, creating a significant gap in protection. While physical damage coverage is available under specialized e-bike policies, many of our clients choose liability-only coverage because that’s their primary concern. If you’re involved in an at-fault accident on an e-bike, chances are you currently have no liability coverage. This means if you’re held responsible for damages, your home, retirement savings, and even future earnings could be at risk. The cost of liability coverage is relatively low, but the potential financial exposure is extremely high.

Limited Options in a Growing Market
Because e-bikes and e-scooters have only recently surged in popularity, few insurance companies offer coverage, and those that do often impose strict limits and exclusions. That’s why working with an independent agency like Ludwig & Fawcett is so valuable. We stay on top of industry trends, and as more carriers enter the market, we’ll provide you with expanded options and competitive coverage.