Bikes are no different than cars. If you have a CCW, you are covered, period. If not, the handgun must not be "readily accessable", meaning it is securely encased (the box it came in, zipper soft bag, even and old shoe box with the lid on.) Not to start any arguments, but the old "three step rule" is a myth that has been bouncing around for years. It does not exist in Florida statue, just the perviously mentioned criteria, and that is what matters. Hope that helps.