[TheThinkTank] Insurance/Liability

[Stuart O Anderson]

See:
http://www.bikecollectives.org/wiki/index.php?title=Insurance

On Fri, May 9, 2008 at 10:23 AM,  <veganboyjosh at gmail.com> wrote:
> 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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>>> Thethinktank at bikecollectives.org
>>>
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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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