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Insurance Marketplace

Our Private Health Insurance Exchange uses the latest technology to quote and compare the insurance plans in your state that do not have exclusions for racing and riding.
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Need Help?

Left your job? Your plan excludes your sport? Can't afford coverage? No matter the challenge we can help!
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Individuals & Families

We specialize in meeting the needs of all individuals and families whether you ride or not. Contact us today for a free consultation.
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Why Choose Us

We do not work for the insurance companies, we work for you! So let us quote and compare all of your insurance options so you get the best plan for your dollar.
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Low Price Guarantee

No matter where you purchase coverage rates are regulated and registered with each states department of insurance and can not be found cheaper.

Attn: U.S. Health Care Reform Law "Obamacare"

Effective 1-1-14 the Affordable Health Care Act also known as "Obamacare" has crossed a new milestone.  Here are some things that you should know about the law. For more information please visit https://www.healthcare.gov/ or contact us today for help

  1. The new law still does not prevent insurance companies from excluding hobbies, occupations, racing and riding.
  2. All individuals must have health insurance that can be purchased through an employer or on your own.  Individual options are purchasing in the private marketplace [available here] or your state sponsored exchange marketplace plan options [available here].
  3. An open enrollment period has been put in place that allows you to sign up from 10/01/2013 to 3/31/2014 to comply with this new law, and for every year preceding, the open enrollment is 11-15-14 to 2-15-15.
  4. If you don't enroll in coverage, you will pay a fee when you file your tax return.
  5. Some of us will be eligible for a premium subsidy or tax credit. To see if you are eligible please use the calculator below.
  6. If you are eligible then you will have to purchase coverage through your state exchange, which we can help you with.

Anthem Blue Cross Blue Shield  United Health One  Humana  Blue Shield of California  Aetna    MASA  ING Reliastar

Subsidy Calculator

Things To Know

Is my sport covered?

Yes we can get you covered!

We specialize in offering plans that do not have exclusions for hobbies and occupations. Contact us today to discuss your needs and we can get you dialed in with a plan that meets your needs.

What if I don't ride?

Our plans are for anyone!

While our unique niche is serving the action sports industry, we have served individuals, families, groups and business's since 2003 that do not have any connection to action sports.

What insurance companies do you offer?

We offer a number of products through a vast number of insurance companies.  Some of our biggest carriers include but are not limited to: Aetna, United Health One, Anthem Blue Cross, Blue Shield of California, Anthem Blue Cross Blue Shield, Medical Air Services Association, Regence Blue Cross Blue Shield, Wellmark Blue Cross Blue Shield, ING Reliastar Life, American General Life.

Privacy Notice

We do not sell, trade, or give any of your information to anyone period, and it is only used by RiderSurance representatives to communicate insurance information. Not only is this our promise, but it is also in compliance with the [HIPAA] Health Information Privacy Act.

Effective Dates

Do not wait to contact us about coverage!

Effective dates vary from what type of product you want to what state you live in.  So do not wait to contact us about coverage because in some situations there can be a 30 day waiting period before your policy can be put in force.

Pre-Existing Conditions

Every situation is different

Don't hesitate to contact us.  Your information is private and confidential.  If you have had issues in the past with your pre-existing condition this may not be the case now.  There are so many different rules and guidelines that change month to month that it may not affect you.  With one conversation we can help guide you in the right direction with no strings attached.

Is RiderSurance an Insurer?

No, we are an insurance brokerage

Our purpose is to quote and compare all of the insurance options that are available to your unique situation so that you get the best plan for your dollar.  For us to do this there is no additional fee. We help get you signed up, and the insurance companies pay us once you are approved and satisfied.

Do these plans cover me outside of my sport?

Yes!  These plans cover you 24/7

The majority of our plans will cover you 24 hours a day, 7 days a week, on and off the track unless you choose otherwise.   

Testimonials

"Hey Brandon, thank you for directing me and setting up my insurance program. It was very easy and was nice talking with you. Very pleased with my service and couldn't be better. I am happy I have such a good insurance program."
AMA Supercross | Motocross # 52
"Thanks for your help with the insurance- saved me when I highsided on my bike! HA!"
Model
"Thanks Brandon for getting me the right insurance for racing, and for taking care of getting me a new card within 3 days."
AMA Supercross / Motocross # 54
"Thanks so much for making this super easy! Miss ya bp!"
AMA Grid Girl | Next Moto Champion
"Brandon made it really easy for me to get insurance and I appreciate all his help. I highly recommend!"
AMA # 136
"Thanks Brandon, keep up the good work and thanks for getting me dialed in so fast. One less thing I have to worry about while riding. See you at the track!"
KWS Motorsports | AMA # 97
"Been riding for a long time with the wrong plans. Thanks for making me aware of the exclusions that were on my previous policy."
Wake
"Despite the madness of insuring a HIGH RISK rider, you managed to pull through and get me covered- thanks for your help!"
American Honda # 100 | British Superbike Champion
"It's crazy how many guys ride and race without the right insurance! I am glad you guys support me!"
250A 450A # 641
Why would you buy insurance from anyone else. You help the sport, the athletes, my friends and family, and make it super easy to get the right coverage. Thanks again!
Team Green Monster Kawasaki | 250A 450A # 120
"I don't even ride and you made it so easy for me to understand. Thank you so much for your help! I will tell all my friends!"
Model
"Dude, thanks again for saving me money and getting me better coverage that covers racing. I will be telling all of my friends."
250A 450A # 624

Brandon Parrish | Owner | BrokerRiderSurance.com is an action sports-friendly place to quote and apply for insurance. The perk of this site is we specialize in finding an insurance plan to meet your needs that does not have hobby or occupational exclusions specific to racing and riding. 

A message from our president, Brandon Parrish 

"Are you tired of telling the hospitals and doctors that you got hurt playing football?" 

My name is Brandon Parrish and like many of you, I have grown up with a love for action sports, riding motocross, snowboarding, wakeboarding, skateboarding, BMXing, riding street bikes, and racing on closed courses. Starting at the age of fifteen, I raced motorcycles for twelve consecutive years, three years professionally, and on top of that, I accidentally started a career in the insurance industry in 2003. Being a racer and insurance agent, I saw that many riders and racers were having problems getting insurance. Either their policy did not cover racing and they lied to the hospitals and doctors about how they got hurt, or they just simply did not have insurance. In 2007 I started RiderSurance.com to promote health, life, and disability insurance to individuals and families targeting the action sports industry. Since the beginning I have dealt with many walks of life from the richest to the poorest, to the sickest to the healthiest; who either did not have insurance, the correct insurance, or enough insurance in force. One of the main reasons that I have found as to why people are not insured properly is the lack of awareness. To increase awareness, people need to be educated and have a credible source to obtain coverage and get their questions answered.

Thanks for visiting!