Supplemental Bicycle Accident Insurance Policy for Cyclists

At Interbike 2012, we met up with Jay Paul of Balance Insurance. He told us about his company and what he does. But that was a few months ago and I didn’t take notes. So I’ve asked him to provide our readers a brief explanation of what Balance Insurance does.

balance insuranceAs cyclists we all know that at some time we might come off our bikes and hit the ground hard. Most cycling accidents are relatively minor. Some will require medical attention. And then there are those life altering accidents that can cause hospitalization, permanent injury or death. For those latter injuries we created Balance For Cyclists. Balance For Cyclists pays large lump sum cash benefits over and above other insurance to cyclists who are injured in serious cycling accidents. Limits are available between $50,000 and $250,000 and all benefits are paid directly to the insured or their family.

Balance For Cyclists is supplemental accident insurance designed by cyclists specifically for cyclists. It is now available in 26 states and should be in 45 states within three months. Coverage is placed through The Zurich American Insurance Company.

“As an active cyclist for many years, I have a number of friends who have been critically injured as a result of cycling accidents”, says Jay Paul, creator of Balance For Cyclists, “Even though they all had good health insurance, there were many uninsured costs associated with their recovery. In some cases the family’s life savings were wiped out by these unexpected and uninsured medical expenses. This at a time when financial distress should be the last thing on a families mind. With the help of The Zurich Insurance Company we were able to create an inexpensive coverage that helps protect cyclists from financial hardship.”

Balance For Cyclists is the first insurance product to ever insure against an injury resulting in Severe Traumatic Brain Injury, a devastating injury that happens to cyclists in large numbers.

To learn more about Balance For Cyclists and purchase coverage, visit there website at

I’m looking forward to the day when he’s approved to sell policies in California because I’ll be his first customer! Thanks Jay for taking the time to share about your company.


  1. Timo

    The link doesn’t work. Please double-check.

  2. RL Policar (Post author)

    Thanks Timo! Fixed it so you can now visit their site.

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