The NJ E-Bike Law: Day 136 – Insurance Update from Velosurance and Mobility Concerns

Today marks Day 136 since the New Jersey e-bike law was signed.

This update focuses on new information shared by Velosurance regarding insurance coverage for e-bikes and ongoing concerns about how the law may be impacting mobility access.

An email was received from Dave Williams, co-founder and CEO of Velosurance, a company widely known in the cycling community for providing bicycle and e-bike insurance coverage.

Velosurance has been actively engaged in discussions around e-bike policy and has previously participated in e-bike coalition meetings.

Concerns About Mobility and Access

According to the message, there is concern that parts of the current law may not have fully accounted for real-world impacts, particularly for individuals who are unable to obtain an operator’s license.

This raises broader questions about mobility access and whether certain riders may be unintentionally restricted under the current framework.

Reports also indicate that federal representatives, including Congressman Josh Gottheimer, were made aware of these concerns and have requested further review from staff.

Velosurance Insurance Options

Velosurance confirmed that it can issue policies that meet New Jersey’s requirements for e-bike coverage.

One available option is a liability-only policy with coverage up to $100,000.

The estimated cost is approximately $105 per bike per year, depending on usage type.

Commuting use may result in higher premiums, while casual or fitness use typically falls on the lower end of pricing.

How Coverage Is Structured

Since the system is not explicitly designed for liability-only policies, a workaround is used during the quote process.

Riders may list a bike value of $500 and select a $500 deductible, which helps classify the policy as liability-only coverage.

This structure allows riders to obtain coverage that aligns with current state requirements while the law remains under discussion.

Final Thoughts

Insurance coverage for e-bikes remains available through providers like Velosurance, though questions remain about how current regulations affect rider access and mobility rights.

Advocates continue to push for clarity and reform to ensure that the law reflects real-world use cases and does not unintentionally limit transportation options for certain riders.

The situation is still evolving as lawmakers, agencies, and industry partners continue reviewing the impact of the current framework.

The work continues.

📺 Watch the full Day 136 update here: