Balance for Cyclists is a personal accident insurance program created specifically for cyclists by Affinity Group Underwriters (AGU) and is underwritten by certain underwriters at Lloyds’s.


Affinity Group Underwriters

AGU has been developing and managing innovative life and health insurance programs for employer and association groups since 1997. Before creating AGU, the principals and most of the staff worked for large U.S. and Canadian insurance carriers. Our thirty years of underwriting and marketing association and employer group plans has provided us with extensive experience and a unique perspective on the evolving benefit needs of employees and association members.

AGU is a privately-held company based in Richmond, Virginia and operating nationwide. For more information, please visit or call (804) 273-9797.


Lloyd’s of London

Lloyd's is the world's specialist insurance and reinsurance market, bringing together an outstanding concentration of underwriting expertise and talent. It is often the first to insure emerging, unusual and complex risks.

Lloyd's enjoys strong financial security supported by excellent ratings. Visit for more information.