[TheThinkTank] Insurance/Liability

[veganboyjosh at gmail.com]

i'm sure someone else will post today with more info than this, but since it
hasn't been mentioned yet, here it is.

the league of american bicyclists has some kind of ride insurance that
covers our activities in and outside of the shop. if we are doing a
community ride, and someone falls down or gets hit, i believe that covers
it. also covers things where we're out of the shop and not riding...say
we're working on bikes in a neighborhood, and some kid/volunteer picks up a
wrench and gets a finger caught in a chainring/chain while wrenching...it's
my understanding that you'll need a list of participants before any
accidents happen...

again, someone else will have more info(i hope...), but that's my basic
understanding...



On Fri, May 9, 2008 at 8:00 AM, Urban Bike Project Wilmington, DE <
urbanbikeproject at gmail.com> wrote:

> UBP pays by the year (around 650 I think...) for general liability
> insurance, no directors or child molestors coverage.  This covers activities
> inside the shop only, bikes that leave are not insured.  No paid staff so no
> workers comp.
>
> We had to get insurance to make good on our rental/license agreement that
> requires 1,000,000 of coverage.  We met a broker who helped "pitch us" to
> insurance companies. We were turned down by more than a few before we
> finally got coverage.
>
> more on the wiki:
> http://www.bikecollectives.org/wiki/index.php?title=Insurance
>
> good luck,
> Brian
>
>
> On Fri, May 9, 2008 at 12:41 AM, Jason Tanzman <jtanzman at riseup.net>
> wrote:
>
>> I'm new to this list but it seems like an awesome community of shared
>> knowledge!
>>
>> Here is another question that our shop is dealing with - insurance and
>> liability questions.  We have recently expanded to a substantially larger
>> space; in the past we operated out of a large garage/warehouse area, with
>> very low rent, one paid staff member (hired as independent contractor), and
>> no insurance.  We are growing substantially and we want to make sure we
>> protect all of our customers/volunteers/clients from issues if someone was
>> hurt on one of our bikes or at our shop.
>>
>> But - it seems really expensive, how do community bike shops pay for it?
>>  How much do you pay per month for liability insurance?  Do you have
>> volunteer lawyers giving legal advice?  Do you pay workman's comp for your
>> staff, or do you hire staff as independent contractors?  We want to make
>> sure we do this right and protect our people, but it's expensive and hard.
>>  Any information is helpful!!
>>
>> -Jason
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>>
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>>
>
>
>
> --
> Urban Bike Project of Wilmington
> 1908 N. Market Street (entrance is in the parking lot behind the building)
> Wilmington, DE 19801
>
> Hours:
> Thursday 6:30-9:00
> Saturday 1:00-4:00
>
> Visit us online at http://urbanbikeproject.org
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>
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>
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