In the US because ebike frames don’t have a VIN number they cannot be insured under a motorcycle policy, or registered and titled with the DMV in most states. Markel offer a policy that covers theft, liability, and personal injury for riders of Class 1 & 2 ebikes up to 750w/20mph, the same policy is also offered by a company trading as Velosurance. In Canada ebike insurance is offered by pedalpowerinsurance.ca