Enhance your membership value at no cost to your club.

Up to $150,000 of injury insurance.

Your members can save 25% or more.

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Built for Bike Clubs

Help your members get the financial protection they need in case of an injury, big or small.
Boost your membership value at no cost to the club.

Valuable Member Benefit

Balance makes meaningful difference if a member suffers a bicycle related injury. We help protect your members from the life-changing financial consequences of a covered accident, anytime and anywhere they're on a bike.

Benefits Paid Directly to Members

Members get paid directly and decide how to use their benefits, even to repair a broken bike.


No Cost to Your Club

Balance doesn't cost your club a thing. By partnering with us, your members receive lower group rates.

Custom Program Rollout

Together, we'll develop a custom marketing campaign to help inform your membership.

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Rider Benefits

Crashes happen - and when they do, Balance pays your members directly, and they decide how to use those benefits.
Choose up to $150,000 in Long Term Injury Coverage. Up to $24,550 Short Term Injury Coverage is included in all plans.

Long Term Injury Coverage
for life-altering injuries

Programs are available with $50,000, $100,00 or $150,000 of Long Term Injury Coverage. Benefits are explained as a percentage of these limits.

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Traumatic Brain Injury (TBI)

100% of benefit in the case of a severe TBI. 50% of benefit in the case of a moderate TBI.

What’s considered a TBI?

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100% of benefit for quadriplegia, hemiplegia or paraplegia. 50% of benefit for uniplegia.

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Loss of Limb (Dismemberment)

100% of benefit for loss of two hands, feet, or eyes. 50% of benefit for loss of one hand, one foot, one eye, speech or hearing. 25% of benefit for loss of thumb and index finger of the same hand.

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Accidental Death

100% of benefit to your family or designated beneficiary.

How do I designate a beneficiary?

Short Term Injury Coverage
for injuries requiring medical treatment

Up to $24,550 of coverage in every plan.

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$300 a day for up to 60 days in hospital.

Please note: This benefit does not include confinement in a Long Term Acute Care Hospital.

What’s a “Long Term Acute Care Hospital?”

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Emergency Care

$300 per visit payable for treatment in an Emergency Room and $150 per visit for treatment in an Urgent Care Center.

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Physical Therapy

$75 a visit for up to 10 visits with a physical therapist.

Please note: Treatment must begin within 60 days of the accident.

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Balance pays up to $500 to help offset the cost of a ground ambulance and up to $5,000 for transportation by air if required.

Please note: this an “Excess Benefit,” and is payable only to the extent that another health insurer or source doesn’t provide coverage.

What does “Excess Benefit” mean? 

Rider benefits are  reduced by 50%  if not wearing a helmet at the time of the accident.

Rider benefits are reduced by 50% if not wearing a helmet at the time of the accident.

Member Pricing

Qualifying clubs can offer reduced group rates to their members, a savings of 25% or more.

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Easy online signup

No health questions or physical exams

Get your members riding smart with Balance


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