Electric bikes are making headway but many employers have rules specifically forbidding employees from riding them (or any other form of personal transportation

Electric bikes are making headway but many employers have rules specifically forbidding employees from riding them (or any other form of personal transportation) to work. There is a major national insurance company with which employers have a contract and that company won't pay out for accidents that happen on the way to or from work while the employee is on a bicycle or in their own car, so employers ban commuting by bicycle or car.