E-Bike & E-Scooter Coverage

Most insurance policies will exclude coverage for e-bikes and e-scooters all together which can lead to a major gap in coverage. There is of course physical damage coverage available on e-bike policies but most of our clients prefer to opt for liability only because that is their major concern. If you are in an at-fault accident on an E-bike it is likely that you currently have zero coverage meaning that if you were held liable for damages your home, retirement account, and eve future earnings may be targeted. This coverage is relatively cheap but the risk is very high. 

Because E-bikes and E-scooters have only recently been gaining popularity there aren’t many companies offering coverage in this market and most have more stringent coverage limits and exclusions. Working with an independent agency like L&F will allow you to stay updated on current trends and as more carriers offer this coverage we will be able to offer you more and more options!