Bicycle Shop Insurance
Bicycle shops sell and service ride-ready bikes, so a missed assembly step or a cluttered showroom can each turn into a liability claim.
What this coverage is intended to address
- ✓General liability is intended to respond if a customer trips over a floor pump, parts bin, or bike left in an aisle and is injured.
- ✓Product liability is generally intended to respond if a bike or component you sold or assembled is alleged to have failed and caused an accident.
- ✓Business property protection may help respond, in the event of a covered claim, to damage affecting your repair tools, display bikes, and parts inventory.
Coverage products commonly considered
Most bicycle shop operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Suppose a customer catches a foot on a pedal of a showroom bike parked in the walkway and falls into a rack — general liability is intended to respond to that injury claim.
- Imagine a brake set you assembled is alleged to have failed on a downhill ride, leading to a crash; product liability may help respond to the bodily injury allegation.
Frequently asked questions
Are repairs and tune-ups I perform considered?
Allegations that work you performed on a bicycle contributed to an injury are generally the kind of claim product and completed-operations coverage is intended to respond to, subject to policy terms.
What if a test rider is hurt outside my shop?
A claim arising from a test ride can be complex; liability coverage may help respond depending on the circumstances and the specific terms of your policy.
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