[TheThinkTank] Insurance and Waivers

Nicole Muratore nicole at bikesaviours.org
Sun Oct 11 12:42:40 PDT 2020


When our shop suspended DIY repair to patrons as a result of the lockdowns,
I checked to see that our insurance covered not only DIY repairs but also
staff-made repairs and it does. Our liability has never been challenged,
though I wouldn't mind paring down our waiver, too. I've attached ours and
am interested in seeing others.

Cheers,
*Nicole Muratore, Shop Manager*
Bike Saviours Bicycle Collective
(602) 429-9369 | bikesaviours.org | @bikesaviours


On Sat, Oct 10, 2020 at 1:03 PM <
thethinktank-request at lists.bikecollectives.org> wrote:

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>    1. Re: Insurance for Collectives Offering Repair Services (Ron G)
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> ---------- Forwarded message ----------
> From: Ron G <pedalmore at gmail.com>
> To: thethinktank at lists.bikecollectives.org
> Cc:
> Bcc:
> Date: Fri, 9 Oct 2020 14:49:48 -0700
> Subject: Re: [TheThinkTank] Insurance for Collectives Offering Repair
> Services
> Howdy--
>
> (Disclaimer: I am not a lawyer. I'll gladly take corrections from any
> sharper legal minds. Kevin Dwyer?)
>
> We are a DIY shop, and we have insurance. Our insurance does cover
> repairs, which is appropriate since our DIY comes with assistance, which
> often looks like doing repairs. I think insurance is important for any
> organization offering to help with bikes. One loose quick release could
> lead to big expenses.
>
> It's tempting to believe that since our organizations tend to have limited
> assets we're immune to lawsuits, that there's just nothing there to sue
> for. The problem is lawsuits will find other targets, like staff or
> volunteers with money or property. If they're lucky they'll be covered by
> homeowner's or other insurance, but not necessarily. So you could be
> opening your staff, board, or volunteers to liability.
>
> We'd also like to think that our friends and guests aren't the suing
> types. But people don't sue because they're jerks (okay, some do), but
> because they're desperate. They sue because our health care system sucks,
> and they'll be bankrupted by bills,
>
> And it's not hard to demonstrate in court that we are trusted resources
> who should know better than allow someone to install their own front wheel
> without making sure they understand how to use that quick release, the part
> responsible for more lawsuits than any other component.
>
> On this topic, I'm wondering a couple of things. We have a ponderous
> waiver for people to fill out, and I'd like to trim it down.
>
> Do most community shops use waivers, and is there any template?
>
> And, maybe more to the point, have any of you ever been sued, and, if so,
> did a waiver help at all?
>
> Happy Trails,
> Ron Georg
> Shop Czar
> Corvallis Bicycle Collective
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