The Sur-Ron Storm Bee: A Different Animal
The Storm Bee is a full-size, full-power electric motocross machine — 22 kW peak power, 115 lbs, 60 mph+ capable. It's not a toy. The insurance requirements are also different from the Light Bee and similar lightweight e-bikes.
At $9,000–$11,000+ retail, the Storm Bee demands coverage that matches its performance and value. Off-road liability exposure is also significantly higher given its power output.
What Makes Storm Bee Insurance Different
Higher Value = Higher Stakes Theft Risk
The Storm Bee's value puts it in a different theft-risk category than most e-bikes. Agreed-value policies (which pay the stated insured value rather than depreciated value) are especially important at this price point.Off-Road Liability: Why It Matters
At the power levels the Storm Bee operates, liability exposure is real. If you ride at MX tracks, trail riding areas, or private property where others are present, you need liability coverage. General homeowner's policies and standard auto policies won't respond to an off-road e-moto incident.Competition and Track Use
If you plan to ride the Storm Bee in organized competition or track days, discuss this with your broker. Some policies exclude competition use; others include it with appropriate endorsements.Coverage Checklist for Storm Bee Owners
- Physical Damage: Agreed value preferred — replacement cost for a near-new Storm Bee
- Liability: Minimum $100,000 recommended; $300,000 if riding in public areas
- Theft: Full replacement coverage at insured value, not depreciated ACV
- Transit/Loading Coverage: Covers damage while bike is in a truck or trailer
- Gear & Accessories: Covers helmet, body armor, and aftermarket components
Insurance While Riding in Different States
If you haul your Storm Bee to ride in multiple states — which many owners do — make sure your policy provides nationwide coverage and doesn't restrict coverage to your home state. Contractor's Choice Agency writes policies that follow you and your bike across all 50 states.
Get Your Storm Bee Insured Today
Call us or fill out the online quote form. We'll discuss your specific use case — trail, MX track, competition, or multi-use — and build a policy that actually protects you.