The last thing you want standing between you and the open road is insurance.

Protect yourself and your bike from the dangers of the road. Let us find the right policy to get you riding.

Components of motorcycle insurance

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Ted Todd insurance has the following coverage options available for Motorcycle Insurance:

Personal Injury Protection

If you are injured or worse in a motorcycle accident, this coverage will help cover the following:

  • Medical and hospital expenses
  • Lost income
  • Services you would normally do yourself
  • Funeral expenses
  • Child care expenses

Note: PIP is a required coverage for any motorcycle insurance policy in the state of Florida.


Collision coverage will typically cover damage to your motorcycle that results from a collision with another object, which could include another car or motorcycle, a tree, or a building.


It doesn’t always take a collision to create a loss. Comprehensive coverage typically covers your bike if it’s damaged by:

  • Flooding
  • Wind
  • Vandalism
  • Theft
  • Some other event that doesn’t involve a crash with another vehicle

Uninsured/Underinsured Motorist Bodily Injury

If an accident isn’t your fault, you don’t want to pay for the other driver’s mistake, especially if they don’t have enough, or even any insurance coverage. This coverage typically covers damages that result from the injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver. Different states have different requirements for which coverage to have and how much.

Property Damage Liability

If you’re at fault in an accident and cause damage to others’ property, Property Damage Liability Coverage typically covers damages that result from the damage to another person’s property when you are at fault. Some of the things you may be liable for include vehicles, private residences, storefronts, and other structures.

Bodily Injury Liability

If you’re at fault in a crash, it might be your responsibility to cover the medical bills for your passenger or the other driver. In a case like that, Bodily Injury Liability typically covers damages that result from the injury or death of another driver or a guest passenger on your motorcycle when you are at fault.

Motorcycle Insurance Features

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Depending on your level of coverage, Ted Todd Insurance offers the following features on our motorcycle policies. Ask your agent about more information on:

Custom Parts Coverage

We know you spent a fortune getting your bike just right. Custom seat, crash bars, or other modifications you have made. This coverage provides for the after-market parts that make your bike unique.

Guest Passenger Liability Coverage

This coverage helps protect those who might be riding on the back of your bike.

First Accident Waiver

If you have been a customer with us for at least 4 years, you won’t see a premium increase if you have your first accident.

Towing at No Additional Cost

If you insure a Harley-Davidson Touring or Touring Sport motorcycles, you will receive towing coverage at no extra charge!