The electric bike is a new area of coverage for insurance companies in the US. Your homeowners, renters, or auto insurance plans may or may not cover your electric bike if you have an accident or cause damage. This applies to all classes of eBikes including electric cargo bikes used for delivery business (covered under business insurance).
We encourage you to do your homework and therefore recommend some resources to make informed decisions on eBike insurance coverage. Note that these are just a few companies that offer ebike insurance and Bend Electric Bikes has no financial interest in and in no way endorses these companies.