Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jan 25, 2021

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“Guest Passenger Liability” is a type of motorcycle insurance coverage.

Unlike auto insurance, where everyone in the car is automatically covered by your liability insurance, passengers on the back of a motorcycle may not be.

Are the Passengers On Your Bike Covered?

As the name implies, Guest Passenger Liability insurance covers bodily injury suffered by guests on the back of your bike.

For the record, bodily injury is defined as bodily harm, sickness, or disease, including required care, loss of services or death that may result as a consequence of an accident you are liable, or at-fault”, for causing.

You certainly do not want to be on the hook financially if one of your passengers is injured as a result of your driving, so know before you go.

A simple review of your insurance policy may not be enough to determine whether or not you have this important coverage.

Even when mandatory in a particular state, some insurers may include it in your liability coverage, so it may not be individually listed on your policy declarations page, which is issued to you when you purchased or renewed your insurance policy.

Laws surrounding this coverage depend on the state in which you reside.

Contact your insurer, independent agent, or State Department of Insurance to determine the laws for your state before allowing a passenger on the back of your motorcycle.