If you ride two up and the passenger is not an family member (who will not sue you) you need extensive liability insurance that will cover all aspects of your passenger's potential injuries from an incident, medical, loss of wages etc. . As we all know motorcycle accident injuries can be horrific, a hundred thousand will not cover it. When I was young and single this never entered my thinking process (not much did!) but now I never would take a passenger for a ride unless it was an on the road emergency. Many insurance companies offer "umbrella" riders for their policies that raise up liability to a million dollars or so. Now you have me thinking. I just might adjust my policy, you never know if some kid runs in front of you or some other horrible thing.