Motorcycle insurance
Motorcycle coverage should reflect both the machine and the rider.
Accessories, safety equipment and uninsured motorists deserve special attention.
Liability and UM/UIM
Motorcyclists can suffer severe injuries even in lower-speed accidents. Evaluate liability and uninsured-motorist limits carefully.
Physical damage
Settlement, deductibles, custom parts, paint, sidecars and safety apparel vary by form and endorsement.
Operators and motorcycles
Disclose all riders, experience, licensing, training, modifications and use. Sport, touring, cruiser and off-road exposures differ.
Seasonal policies
A layup provision may restrict coverage during certain months. Do not ride outside the permitted period.
Complete household protection