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Get StartedMotorcycle insurance covers theft of the vehicle or physical damage caused by nature, vandalism or accidents. It also covers personal injury to the driver and provides liability coverage in accidents where other people are hurt or their property is damaged. A certain amount of liability insurance for motorcycle drivers is required in most states. The time to purchase motorcycle insurance is before the driver operates the vehicle on the road.
Businesses that use motorcycles as a means of transportation for employees face somewhat higher insurance premiums than if they used a fleet of automobiles. Motorcycles for business use include ordinary cycles, motorbikes and motor scooters. They can be a less expensive asset to purchase or lease, can cost less to operate, and can often better navigate traffic when making deliveries, but the cost of insurance sometimes makes the choice impractical. Insurance underwriting decisions are made by insurance companies based on risk. Motorcycles are placed in a higher risk category than automobiles because of the higher risk of catastrophic personal injury to the driver.
Motorcycle insurance policies offer special riders that cover custom parts, equipment and attachments to the vehicle. These options can be important for businesses that have modified their motorcycles for deliveries. Read more about motorcycle insurance from the links on this Business.com page.
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