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