[TheThinkTank] Thethinktank Digest, Vol 169, Issue 5

Adam / Phoenix Mitchell mitch.ad at gmail.com
Mon Oct 12 06:03:24 PDT 2020


Two questions for y'all along the insurance thread:

How did you determine that your insurance *does* indeed cover DIY repairs?
Seems like a lot of legalese in our General Liability Insurance that is
pretty incomprehensible.

Also, for those with a Board, do you have Directors & Officers Insurance?

I'd be interested to see more waivers...

Cheers!
Phoenix
Freeride Montpelier

On Mon, Oct 12, 2020 at 12:22 AM <
thethinktank-request at lists.bikecollectives.org> wrote:

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>    1. Re: Insurance and Waivers (Nicole Muratore)
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> ---------- Forwarded message ----------
> From: Nicole Muratore <nicole at bikesaviours.org>
> To: thethinktank at lists.bikecollectives.org
> Cc:
> Bcc:
> Date: Sun, 11 Oct 2020 12:42:40 -0700
> Subject: Re: [TheThinkTank] Insurance and Waivers
> 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)
>>
>>
>>
>> ---------- 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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