Protect Your Passion on the Road and the Trail.
Whether you’re cruising the open highways or tackling the off-road trails, you deserve protection built for the ride. At Sterling Group Insurance, we keep you moving with clear, comprehensive coverage tailored to your lifestyle.
Riding is about freedom, but true freedom requires peace of mind. Too many riders purchase a basic, bare-minimum policy online without realizing what is actually covered if they lay their bike down or damage their off-road vehicle.
We value education over a quick sales transaction. We believe a well-informed rider is a well-protected one. Our independent advisors take the time to explain the nuances of power sports coverage, ensuring you understand your deductibles, liability limits, and specialized add-ons before you ever hit the throttle.
Motorcycle Insurance: Protection for the Open Road
A standard auto policy won’t protect your bike. We bench-mark top-rated national carriers to design a custom motorcycle policy that shields your financial assets and your machine. Key coverages we educate our clients on include:
- Custom Parts and Equipment (CPE): Did you add aftermarket exhaust, custom chrome, a personalized paint job, or high-end saddlebags? Standard policies usually don’t cover these. We ensure your upgrades are explicitly protected.
- Gear and Apparel Coverage: Your helmet, riding leathers, and safety gear are expensive. We look for policies that include coverage to replace your protective gear if it’s damaged in an accident.
- Uninsured/Underinsured Motorist: Unfortunately, many drivers on the road don’t carry enough liability insurance. This crucial coverage protects you and your passenger if a negligent driver causes an accident.
ATV & Off-Road Vehicle Insurance: Built for the Trail
Whether you operate an ATV, UTV, side-by-side, or dirt bike, taking your vehicle off your personal property means your standard homeowners policy stops protecting it. Our specialized off-road policies ensure you are covered for:
- Trail Liability: Accidents happen on the trails. If you accidentally cause property damage or bodily injury to another rider, this protects your personal assets from costly lawsuits.
- Comprehensive Protection: Off-road vehicles are high-risk targets for theft, vandalism, and transport damage while being trailered. Comprehensive coverage ensures you’re protected even when the vehicle isn’t running.
- Collision Coverage: Covers repairs to your ATV or UTV if you hit a rock, tree, or another vehicle while out on the trail.
What are your coverage options?
Have questions about what coverages are required? Is minimum coverage enough? Click here to read about what the minimum coverages mean for your state!
Did you know that the term “full coverage” is not a fixed set of coverages? So it is actually a combination of coverages that can be mixed and matched and changed. Click here to read more about what it means to have “full coverage”.
Protect your ride whether it’s a motorcycle, ATV or even a golf cart.
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