From walthambikes@gmail.com Wed Apr 22 15:53:38 2015 From: Waltham Bikes To: thethinktank@lists.bikecollectives.org Subject: [TheThinkTank] Insurance for a free mobile fix-it service Date: Wed, 22 Apr 2015 11:52:57 -0400 Message-ID: MIME-Version: 1.0 Content-Type: multipart/mixed; boundary="===============0411061448741952448==" --===============0411061448741952448== Content-Type: text/plain; charset="utf-8" Content-Transfer-Encoding: quoted-printable Hi all - [Not sure what I'm doing wrong, but I have been unable to access the Think Tank Archives even after logging on, so please forgive the possible duplication of an old topic.] A small group of us is wanting to do some simple repairs and safety checks (fix flats, adjust brakes, recommend needed repairs type of thing) at our local farmers' market. We are not a formal organization of any sort, just a bunch of friends thinking about getting into something larger and more formalized after we see how this goes. What is recommended for any sort of insurance coverage? It would be on public property at a farmers' market. The market has liability insurance, but we would not be a program of the market (if doing so would allow us to be covered, then maybe we should look into that). Sample concerns: - If we touch someone's bike and they roll out into traffic, get hit and claim that it was our bad repair job... - If we "break" their bike while trying to fix it... Thanks very much. Martha ____________________________________ The ThinkTank mailing List Unsubscribe from this list --===============0411061448741952448== Content-Type: text/html Content-Transfer-Encoding: base64 Content-Disposition: attachment; filename="attachment.html" MIME-Version: 1.0 PGRpdiBkaXI9Imx0ciI+PGRpdj5IaSBhbGwgLTwvZGl2PjxkaXY+PGJyPjwvZGl2PjxkaXY+W05v dCBzdXJlIHdoYXQgSSYjMzk7bSBkb2luZyB3cm9uZywgYnV0IEkgaGF2ZSBiZWVuIHVuYWJsZSB0 byBhY2Nlc3MgdGhlIFRoaW5rIFRhbmsgQXJjaGl2ZXMgZXZlbiBhZnRlciBsb2dnaW5nIG9uLCBz byBwbGVhc2UgZm9yZ2l2ZSB0aGUgcG9zc2libGUgZHVwbGljYXRpb24gb2YgYW4gb2xkIHRvcGlj Ll08L2Rpdj48ZGl2Pjxicj48L2Rpdj48ZGl2PkEgc21hbGwgZ3JvdXAgb2YgdXMgaXMgd2FudGlu ZyB0byBkbyBzb21lIHNpbXBsZSByZXBhaXJzIGFuZCBzYWZldHkgY2hlY2tzIChmaXggZmxhdHMs IGFkanVzdCBicmFrZXMsIHJlY29tbWVuZCBuZWVkZWQgcmVwYWlycyB0eXBlIG9mIHRoaW5nKSBh dCBvdXIgbG9jYWwgZmFybWVycyYjMzk7IG1hcmtldC4gV2UgYXJlIG5vdCBhIGZvcm1hbCBvcmdh bml6YXRpb24gb2YgYW55IHNvcnQsIGp1c3QgYSBidW5jaCBvZiBmcmllbmRzIHRoaW5raW5nIGFi b3V0IGdldHRpbmcgaW50byBzb21ldGhpbmcgbGFyZ2VyIGFuZCBtb3JlIGZvcm1hbGl6ZWQgYWZ0 ZXIgd2Ugc2VlIGhvdyB0aGlzIGdvZXMuIDwvZGl2PjxkaXY+PGJyPjwvZGl2PjxkaXY+V2hhdCBp cyByZWNvbW1lbmRlZCBmb3IgYW55IHNvcnQgb2YgaW5zdXJhbmNlIGNvdmVyYWdlPyBJdCB3b3Vs ZCBiZSBvbiBwdWJsaWMgcHJvcGVydHkgYXQgYSBmYXJtZXJzJiMzOTvCoCBtYXJrZXQuIFRoZSBt YXJrZXQgaGFzIGxpYWJpbGl0eSBpbnN1cmFuY2UsIGJ1dCB3ZSB3b3VsZCBub3QgYmUgYSBwcm9n cmFtIG9mIHRoZSBtYXJrZXQgKGlmIGRvaW5nIHNvIHdvdWxkIGFsbG93IHVzIHRvIGJlIGNvdmVy ZWQsIHRoZW4gbWF5YmUgd2Ugc2hvdWxkIGxvb2sgaW50byB0aGF0KS48L2Rpdj48ZGl2Pjxicj48 L2Rpdj48ZGl2PlNhbXBsZSBjb25jZXJuczo8L2Rpdj48ZGl2Pi0gSWYgd2UgdG91Y2ggc29tZW9u ZSYjMzk7cyBiaWtlIGFuZCB0aGV5IHJvbGwgb3V0IGludG8gdHJhZmZpYywgZ2V0IGhpdCBhbmQg Y2xhaW0gdGhhdCBpdCB3YXMgb3VyIGJhZCByZXBhaXIgam9iLi4uIDwvZGl2PjxkaXY+LSBJZiB3 ZSAmcXVvdDticmVhayZxdW90OyB0aGVpciBiaWtlIHdoaWxlIHRyeWluZyB0byBmaXggaXQuLi4g PC9kaXY+PGRpdj48YnI+PC9kaXY+PGRpdj5UaGFua3MgdmVyeSBtdWNoLjwvZGl2PjxkaXY+PGJy PjwvZGl2PjxkaXY+TWFydGhhIDwvZGl2PjxkaXY+PGJyPjwvZGl2PjwvZGl2Pgo= --===============0411061448741952448==-- From goodgodwin@hotmail.com Wed Apr 22 15:59:12 2015 From: Godwin ! To: thethinktank@lists.bikecollectives.org Subject: Re: [TheThinkTank] Insurance for a free mobile fix-it service Date: Wed, 22 Apr 2015 08:58:56 -0700 Message-ID: In-Reply-To: MIME-Version: 1.0 Content-Type: multipart/mixed; boundary="===============4008014345676181675==" --===============4008014345676181675== Content-Type: text/plain; charset="utf-8" Content-Transfer-Encoding: quoted-printable It's not you, it's our hosting provider. They've been working on this for mon= ths and have no ETA on when archives will be back up again (fingers crossed w= e haven't lost more than a decade of valuable discussions). godwin Date: Wed, 22 Apr 2015 11:52:57 -0400 From: walthambikes(a)gmail.com To: thethinktank(a)lists.bikecollectives.org Subject: [TheThinkTank] Insurance for a free mobile fix-it service Hi all - [Not sure what I'm doing wrong, but I have been unable to access the Think Ta= nk Archives even after logging on, so please forgive the possible duplication= of an old topic.] A small group of us is wanting to do some simple repairs and safety checks (f= ix flats, adjust brakes, recommend needed repairs type of thing) at our local= farmers' market. We are not a formal organization of any sort, just a bunch = of friends thinking about getting into something larger and more formalized a= fter we see how this goes.=20 What is recommended for any sort of insurance coverage? It would be on public= property at a farmers' market. The market has liability insurance, but we w= ould not be a program of the market (if doing so would allow us to be covered= , then maybe we should look into that). Sample concerns:- If we touch someone's bike and they roll out into traffic, = get hit and claim that it was our bad repair job... - If we "break" their bik= e while trying to fix it...=20 Thanks very much. Martha=20 ____________________________________ The ThinkTank mailing List Unsubscribe from this list =20 ____________________________________ The ThinkTank mailing List Unsubscribe from this list --===============4008014345676181675== Content-Type: text/html Content-Transfer-Encoding: base64 Content-Disposition: attachment; filename="attachment.html" MIME-Version: 1.0 PGh0bWw+CjxoZWFkPgo8c3R5bGU+PCEtLQouaG1tZXNzYWdlIFAKewptYXJnaW46MHB4OwpwYWRk aW5nOjBweAp9CmJvZHkuaG1tZXNzYWdlCnsKZm9udC1zaXplOiAxMnB0Owpmb250LWZhbWlseTpD YWxpYnJpCn0KLS0+PC9zdHlsZT48L2hlYWQ+Cjxib2R5IGNsYXNzPSdobW1lc3NhZ2UnPjxkaXYg ZGlyPSdsdHInPkl0J3Mgbm90IHlvdSwgaXQncyBvdXIgaG9zdGluZyBwcm92aWRlci4gVGhleSd2 ZSBiZWVuIHdvcmtpbmcgb24gdGhpcyBmb3IgbW9udGhzIGFuZCBoYXZlIG5vIEVUQSBvbiB3aGVu IGFyY2hpdmVzIHdpbGwgYmUgYmFjayB1cCBhZ2FpbiAoZmluZ2VycyBjcm9zc2VkIHdlIGhhdmVu J3QgbG9zdCBtb3JlIHRoYW4gYSBkZWNhZGUgb2YgdmFsdWFibGUgZGlzY3Vzc2lvbnMpLjxkaXY+ PGJyPjwvZGl2PjxkaXY+Jmx0Oy9kZXJhaWwmZ3Q7PGJyPjxicj5nb2R3aW48YnI+PGJyPjxicj48 ZGl2PjxociBpZD0ic3RvcFNwZWxsaW5nIj5EYXRlOiBXZWQsIDIyIEFwciAyMDE1IDExOjUyOjU3 IC0wNDAwPGJyPkZyb206IHdhbHRoYW1iaWtlc0BnbWFpbC5jb208YnI+VG86IHRoZXRoaW5rdGFu a0BsaXN0cy5iaWtlY29sbGVjdGl2ZXMub3JnPGJyPlN1YmplY3Q6IFtUaGVUaGlua1RhbmtdIElu c3VyYW5jZSBmb3IgYSBmcmVlIG1vYmlsZSBmaXgtaXQgc2VydmljZTxicj48YnI+PGRpdiBkaXI9 Imx0ciI+PGRpdj5IaSBhbGwgLTwvZGl2PjxkaXY+PGJyPjwvZGl2PjxkaXY+W05vdCBzdXJlIHdo YXQgSSdtIGRvaW5nIHdyb25nLCBidXQgSSBoYXZlIGJlZW4gdW5hYmxlIHRvIGFjY2VzcyB0aGUg VGhpbmsgVGFuayBBcmNoaXZlcyBldmVuIGFmdGVyIGxvZ2dpbmcgb24sIHNvIHBsZWFzZSBmb3Jn aXZlIHRoZSBwb3NzaWJsZSBkdXBsaWNhdGlvbiBvZiBhbiBvbGQgdG9waWMuXTwvZGl2PjxkaXY+ PGJyPjwvZGl2PjxkaXY+QSBzbWFsbCBncm91cCBvZiB1cyBpcyB3YW50aW5nIHRvIGRvIHNvbWUg c2ltcGxlIHJlcGFpcnMgYW5kIHNhZmV0eSBjaGVja3MgKGZpeCBmbGF0cywgYWRqdXN0IGJyYWtl cywgcmVjb21tZW5kIG5lZWRlZCByZXBhaXJzIHR5cGUgb2YgdGhpbmcpIGF0IG91ciBsb2NhbCBm YXJtZXJzJyBtYXJrZXQuIFdlIGFyZSBub3QgYSBmb3JtYWwgb3JnYW5pemF0aW9uIG9mIGFueSBz b3J0LCBqdXN0IGEgYnVuY2ggb2YgZnJpZW5kcyB0aGlua2luZyBhYm91dCBnZXR0aW5nIGludG8g c29tZXRoaW5nIGxhcmdlciBhbmQgbW9yZSBmb3JtYWxpemVkIGFmdGVyIHdlIHNlZSBob3cgdGhp cyBnb2VzLiA8L2Rpdj48ZGl2Pjxicj48L2Rpdj48ZGl2PldoYXQgaXMgcmVjb21tZW5kZWQgZm9y IGFueSBzb3J0IG9mIGluc3VyYW5jZSBjb3ZlcmFnZT8gSXQgd291bGQgYmUgb24gcHVibGljIHBy b3BlcnR5IGF0IGEgZmFybWVycycmbmJzcDsgbWFya2V0LiBUaGUgbWFya2V0IGhhcyBsaWFiaWxp dHkgaW5zdXJhbmNlLCBidXQgd2Ugd291bGQgbm90IGJlIGEgcHJvZ3JhbSBvZiB0aGUgbWFya2V0 IChpZiBkb2luZyBzbyB3b3VsZCBhbGxvdyB1cyB0byBiZSBjb3ZlcmVkLCB0aGVuIG1heWJlIHdl IHNob3VsZCBsb29rIGludG8gdGhhdCkuPC9kaXY+PGRpdj48YnI+PC9kaXY+PGRpdj5TYW1wbGUg Y29uY2VybnM6PC9kaXY+PGRpdj4tIElmIHdlIHRvdWNoIHNvbWVvbmUncyBiaWtlIGFuZCB0aGV5 IHJvbGwgb3V0IGludG8gdHJhZmZpYywgZ2V0IGhpdCBhbmQgY2xhaW0gdGhhdCBpdCB3YXMgb3Vy IGJhZCByZXBhaXIgam9iLi4uIDwvZGl2PjxkaXY+LSBJZiB3ZSAiYnJlYWsiIHRoZWlyIGJpa2Ug d2hpbGUgdHJ5aW5nIHRvIGZpeCBpdC4uLiA8L2Rpdj48ZGl2Pjxicj48L2Rpdj48ZGl2PlRoYW5r cyB2ZXJ5IG11Y2guPC9kaXY+PGRpdj48YnI+PC9kaXY+PGRpdj5NYXJ0aGEgPC9kaXY+PGRpdj48 YnI+PC9kaXY+PC9kaXY+Cjxicj5fX19fX19fX19fX19fX19fX19fX19fX19fX19fX19fX19fX18K ClRoZSBUaGlua1RhbmsgbWFpbGluZyBMaXN0CjxhIGhyZWY9Imh0dHA6Ly9saXN0cy5iaWtlY29s bGVjdGl2ZXMub3JnL29wdGlvbnMuY2dpL3RoZXRoaW5rdGFuay1iaWtlY29sbGVjdGl2ZXMub3Jn IiB0YXJnZXQ9Il9ibGFuayI+VW5zdWJzY3JpYmUgZnJvbSB0aGlzIGxpc3Q8L2E+PC9kaXY+PC9k aXY+IAkJIAkgICAJCSAgPC9kaXY+PC9ib2R5Pgo8L2h0bWw+ --===============4008014345676181675==-- From swandruski@gmail.com Wed Apr 22 16:49:59 2015 From: Stephen Andruski To: thethinktank@lists.bikecollectives.org Subject: Re: [TheThinkTank] Insurance for a free mobile fix-it service Date: Wed, 22 Apr 2015 12:49:44 -0400 Message-ID: In-Reply-To: MIME-Version: 1.0 Content-Type: multipart/mixed; boundary="===============4208857562478056776==" --===============4208857562478056776== Content-Type: text/plain; charset="utf-8" Content-Transfer-Encoding: quoted-printable I would check with the Farmers Market organizers. Sometimes they have specific requirements. Also, are you sure the market is on public property? For example, our group (The Rockville Bike Hub) is going to set up at a local Farmers Market starting in May. The people running the Framers Market require us to have at least $500,000 in liability insurance and to have the organizers listed as co-insured parties. They are set up in the parking lot of an office park, so its not public property, but even if it were, it would be the city or other municipality that may require insurance. There's also the matter of protection of your personal assets. As a CYA step, I would consider having a waiver too. There are some good examples on the Bike Collectives web site that I modeled ours after (or perhaps it was a Think Tank thread). I know of another group in the DC area that started the way you are, but there are risks. We decided to go at it more formally (incorporation, bank account, etc.) with the intention of becoming an established facility eventually. You could also look at doing something under the sponsorship of a group like an area Boys Club or YMCA to get insurance coverage. Yet another DC area group started that way. Good luck. Steve Andruski The Rockville Bike Hub On Wed, Apr 22, 2015 at 11:52 AM, Waltham Bikes wrote: > Hi all - > > [Not sure what I'm doing wrong, but I have been unable to access the Think > Tank Archives even after logging on, so please forgive the possible > duplication of an old topic.] > > A small group of us is wanting to do some simple repairs and safety checks > (fix flats, adjust brakes, recommend needed repairs type of thing) at our > local farmers' market. We are not a formal organization of any sort, just a > bunch of friends thinking about getting into something larger and more > formalized after we see how this goes. > > What is recommended for any sort of insurance coverage? It would be on > public property at a farmers' market. The market has liability insurance, > but we would not be a program of the market (if doing so would allow us to > be covered, then maybe we should look into that). > > Sample concerns: > - If we touch someone's bike and they roll out into traffic, get hit and > claim that it was our bad repair job... > - If we "break" their bike while trying to fix it... > > Thanks very much. > > Martha > > > ____________________________________ > > The ThinkTank mailing List > http://lists.bikecollectives.org/options.cgi/thethinktank-bikecollectives.o= rg">Unsubscribe > from this list > > > --=20 "Nearly all men can stand adversity, but if you want to test a man's character, give him power." ~ Abraham Lincoln ____________________________________ The ThinkTank mailing List Unsubscribe from this list --===============4208857562478056776== Content-Type: text/html Content-Transfer-Encoding: base64 Content-Disposition: attachment; filename="attachment.html" MIME-Version: 1.0 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bmEmIzM5OywmIzM5O3NhbnMtc2VyaWYmIzM5OyI+fiBBYnJhaGFtIExpbmNvbG48L3NwYW4+PC9z cGFuPjwvZGl2Pgo8L2Rpdj4K --===============4208857562478056776==-- From wormsign@gmail.com Wed Apr 22 17:39:20 2015 From: wormsign@gmail.com To: thethinktank@lists.bikecollectives.org Subject: Re: [TheThinkTank] Insurance for a free mobile fix-it service Date: Wed, 22 Apr 2015 10:39:00 -0700 Message-ID: <550434CF-4976-4204-BE39-5600E0B5018A@gmail.com> In-Reply-To: MIME-Version: 1.0 Content-Type: multipart/mixed; boundary="===============3694299105387827404==" --===============3694299105387827404== Content-Type: text/plain; charset="utf-8" Content-Transfer-Encoding: quoted-printable We have insurance for our org but it isn't cheap. There are providers that wo= rk specifically with non profits. If you have the non profit status you can p= ossibly get something more affordable (you may also see about getting under a= nother's 501 status for this reason). The waiver can do a lot to protect you = if it is written correctly and depending on you state laws. It will not preve= nt someone from suing you. Their suit may not be successful but you will like= ly incur some kind of monetary burden in fighting it. Make sure your insuranc= e covers this and covers you as individuals as well. Lastly a good way to avo= id getting blamed for someone's bike breaking is to have them do the fixing. Loconte > On Apr 22, 2015, at 9:49 AM, Stephen Andruski wrot= e: >=20 > I would check with the Farmers Market organizers. Sometimes they have speci= fic requirements. Also, are you sure the market is on public property? For ex= ample, our group (The Rockville Bike Hub) is going to set up at a local Farme= rs Market starting in May. The people running the Framers Market require us t= o have at least $500,000 in liability insurance and to have the organizers li= sted as co-insured parties. They are set up in the parking lot of an office p= ark, so its not public property, but even if it were, it would be the city or= other municipality that may require insurance. There's also the matter of pr= otection of your personal assets. As a CYA step, I would consider having a wa= iver too. There are some good examples on the Bike Collectives web site that = I modeled ours after (or perhaps it was a Think Tank thread).=20 >=20 > I know of another group in the DC area that started the way you are, but th= ere are risks. We decided to go at it more formally (incorporation, bank acco= unt, etc.) with the intention of becoming an established facility eventually.= You could also look at doing something under the sponsorship of a group like= an area Boys Club or YMCA to get insurance coverage. Yet another DC area gro= up started that way. >=20 > Good luck. >=20 > Steve Andruski > The Rockville Bike Hub >=20 >> On Wed, Apr 22, 2015 at 11:52 AM, Waltham Bikes = wrote: >> Hi all - >>=20 >> [Not sure what I'm doing wrong, but I have been unable to access the Think= Tank Archives even after logging on, so please forgive the possible duplicat= ion of an old topic.] >>=20 >> A small group of us is wanting to do some simple repairs and safety checks= (fix flats, adjust brakes, recommend needed repairs type of thing) at our lo= cal farmers' market. We are not a formal organization of any sort, just a bun= ch of friends thinking about getting into something larger and more formalize= d after we see how this goes. >>=20 >> What is recommended for any sort of insurance coverage? It would be on pub= lic property at a farmers' market. The market has liability insurance, but w= e would not be a program of the market (if doing so would allow us to be cove= red, then maybe we should look into that). >>=20 >> Sample concerns: >> - If we touch someone's bike and they roll out into traffic, get hit and c= laim that it was our bad repair job... >> - If we "break" their bike while trying to fix it... >>=20 >> Thanks very much. >>=20 >> Martha >>=20 >>=20 >> ____________________________________ >>=20 >> The ThinkTank mailing List >> Unsubscribe from this list >=20 >=20 >=20 > --=20 > "Nearly all men can stand adversity, but if you want to test a man's charac= ter, give him power." >=20 > ~ Abraham Lincoln > ____________________________________ >=20 > The ThinkTank mailing List > Unsubscribe from this list >=20 ____________________________________ The ThinkTank mailing List Unsubscribe from this list --===============3694299105387827404== Content-Type: text/html Content-Transfer-Encoding: base64 Content-Disposition: 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b3RlPjwvYm9keT48L2h0bWw+ --===============3694299105387827404==-- From mark@re-cycles.ca Wed Apr 22 17:58:55 2015 From: Mark Rehder To: thethinktank@lists.bikecollectives.org Subject: Re: [TheThinkTank] Insurance for a free mobile fix-it service Date: Wed, 22 Apr 2015 13:58:38 -0400 Message-ID: <8CD8873F-1F27-4E81-9B85-028EF8BA25A8@re-cycles.ca> In-Reply-To: <550434CF-4976-4204-BE39-5600E0B5018A@gmail.com> MIME-Version: 1.0 Content-Type: multipart/mixed; boundary="===============7742098667548863904==" --===============7742098667548863904== Content-Type: text/plain; charset="utf-8" Content-Transfer-Encoding: quoted-printable For our shop our insurance co. said our coverage stops at our door. So no rep= airs even just out in the driveway, and definitely no repairs at outside even= ts. When we decided to get incorporated we also got Director's insurance for our = Board. Funny thing, one of our long-time staff quit over this, saying we were= getting "too corporate", while the rest of us were figuring "hey, better to = have insurance than possibly lose my house!". Mark Rehder - Coordinator re-Cycles Community Bike Shop http://re-cycles.ca On 2015-04-22, at 1:39 PM, wormsign(a)gmail.com wrote: > We have insurance for our org but it isn't cheap. There are providers that = work specifically with non profits. If you have the non profit status you can= possibly get something more affordable (you may also see about getting under= another's 501 status for this reason). The waiver can do a lot to protect yo= u if it is written correctly and depending on you state laws. It will not pre= vent someone from suing you. Their suit may not be successful but you will li= kely incur some kind of monetary burden in fighting it. Make sure your insura= nce covers this and covers you as individuals as well. Lastly a good way to a= void getting blamed for someone's bike breaking is to have them do the fixing. >=20 > Loconte >=20 > On Apr 22, 2015, at 9:49 AM, Stephen Andruski wrot= e: >=20 >> I would check with the Farmers Market organizers. Sometimes they have spec= ific requirements. Also, are you sure the market is on public property? For e= xample, our group (The Rockville Bike Hub) is going to set up at a local Farm= ers Market starting in May. The people running the Framers Market require us = to have at least $500,000 in liability insurance and to have the organizers l= isted as co-insured parties. They are set up in the parking lot of an office = park, so its not public property, but even if it were, it would be the city o= r other municipality that may require insurance. There's also the matter of p= rotection of your personal assets. As a CYA step, I would consider having a w= aiver too. There are some good examples on the Bike Collectives web site that= I modeled ours after (or perhaps it was a Think Tank thread).=20 >>=20 >> I know of another group in the DC area that started the way you are, but t= here are risks. We decided to go at it more formally (incorporation, bank acc= ount, etc.) with the intention of becoming an established facility eventually= . You could also look at doing something under the sponsorship of a group lik= e an area Boys Club or YMCA to get insurance coverage. Yet another DC area gr= oup started that way. >>=20 >> Good luck. >>=20 >> Steve Andruski >> The Rockville Bike Hub >>=20 >> On Wed, Apr 22, 2015 at 11:52 AM, Waltham Bikes = wrote: >> Hi all - >>=20 >> [Not sure what I'm doing wrong, but I have been unable to access the Think= Tank Archives even after logging on, so please forgive the possible duplicat= ion of an old topic.] >>=20 >> A small group of us is wanting to do some simple repairs and safety checks= (fix flats, adjust brakes, recommend needed repairs type of thing) at our lo= cal farmers' market. We are not a formal organization of any sort, just a bun= ch of friends thinking about getting into something larger and more formalize= d after we see how this goes. >>=20 >> What is recommended for any sort of insurance coverage? It would be on pub= lic property at a farmers' market. The market has liability insurance, but w= e would not be a program of the market (if doing so would allow us to be cove= red, then maybe we should look into that). >>=20 >> Sample concerns: >> - If we touch someone's bike and they roll out into traffic, get hit and c= laim that it was our bad repair job... >> - If we "break" their bike while trying to fix it... >>=20 >> Thanks very much. >>=20 >> Martha >>=20 >>=20 >> ____________________________________ >>=20 >> The ThinkTank mailing List >> Unsubscribe from this list >>=20 >>=20 >>=20 >>=20 >>=20 >> --=20 >> "Nearly all men can stand adversity, but if you want to test a man's chara= cter, give him power." >>=20 >> ~ Abraham Lincoln >> ____________________________________ >>=20 >> The ThinkTank mailing List >> Unsubscribe from this list >>=20 > ____________________________________ >=20 > The ThinkTank mailing List > Unsubscribe from this list >=20 ____________________________________ The ThinkTank mailing List Unsubscribe from this 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(Insurance for a free mobile fix-it service) Date: Wed, 22 Apr 2015 15:28:47 -0400 Message-ID: <5537F66F.5090703@gmail.com> In-Reply-To: MIME-Version: 1.0 Content-Type: multipart/mixed; boundary="===============3913246315510682084==" --===============3913246315510682084== Content-Type: text/plain; charset="utf-8" Content-Transfer-Encoding: quoted-printable Michael, I would like to suggest, we start a separate thread, and ask people who=20 have been on this list for a long time whether they have kept their=20 ThinkTank email. Some of the actual email has been archived at the=20 Wayback machine, namely, December & October 2010, April, July & February=20 2011. The archives began September, 2006. Once we get those backups, or piece them together from many sources, the=20 archives can be recreated. I could provide my own backups going to 9/16/2014. -Jonathan On 04/22/2015 11:58 AM, Godwin ! wrote: > It's not you, it's our hosting provider. They've been working on this=20 > for months and have no ETA on when archives will be back up again=20 > (fingers crossed we haven't lost more than a decade of valuable=20 > discussions). > > > > godwin > > > ------------------------------------------------------------------------ > Date: Wed, 22 Apr 2015 11:52:57 -0400 > From: walthambikes(a)gmail.com > To: thethinktank(a)lists.bikecollectives.org > Subject: [TheThinkTank] Insurance for a free mobile fix-it service > > Hi all - > > [Not sure what I'm doing wrong, but I have been unable to access the=20 > Think Tank Archives even after logging on, so please forgive the=20 > possible duplication of an old topic.] > > A small group of us is wanting to do some simple repairs and safety=20 > checks (fix flats, adjust brakes, recommend needed repairs type of=20 > thing) at our local farmers' market. We are not a formal organization=20 > of any sort, just a bunch of friends thinking about getting into=20 > something larger and more formalized after we see how this goes. > > What is recommended for any sort of insurance coverage? It would be on=20 > public property at a farmers' market. The market has liability=20 > insurance, but we would not be a program of the market (if doing so=20 > would allow us to be covered, then maybe we should look into that). > > Sample concerns: > - If we touch someone's bike and they roll out into traffic, get hit=20 > and claim that it was our bad repair job... > - If we "break" their bike while trying to fix it... > > Thanks very much. > > Martha > > > ____________________________________ The ThinkTank mailing List=20 > Unsubscribe from this list=20 > > > > ____________________________________ > > The ThinkTank mailing List > Unsubscribe from this list > ____________________________________ The ThinkTank mailing List Unsubscribe from this list --===============3913246315510682084== Content-Type: text/html Content-Transfer-Encoding: base64 Content-Disposition: attachment; filename="attachment.html" MIME-Version: 1.0 PGh0bWw+CiAgPGhlYWQ+CiAgICA8bWV0YSBjb250ZW50PSJ0ZXh0L2h0bWw7IGNoYXJzZXQ9SVNP 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a3RhbmstYmlrZWNvbGxlY3RpdmVzLm9yZyI8L2E+Jmd0O1Vuc3Vic2NyaWJlIGZyb20gdGhpcyBs aXN0Jmx0Oy9hJmd0OwoKPC9wcmU+CiAgICA8L2Jsb2NrcXVvdGU+CiAgICA8YnI+CiAgPC9ib2R5 Pgo8L2h0bWw+Cg== --===============3913246315510682084==-- From walthambikes@gmail.com Sat Apr 25 01:49:21 2015 From: Waltham Bikes To: thethinktank@lists.bikecollectives.org Subject: Re: [TheThinkTank] Insurance for a free mobile fix-it service Date: Fri, 24 Apr 2015 21:49:09 -0400 Message-ID: In-Reply-To: MIME-Version: 1.0 Content-Type: multipart/mixed; boundary="===============8235680879090608955==" --===============8235680879090608955== Content-Type: text/plain; charset="utf-8" Content-Transfer-Encoding: quoted-printable Thanks to everyone for your replies - wicked helpful. I'm starting to doubt our under the radar approach as a result. A couple of answers to Steve's questions. I do know that the market is on public property. as it is the government center lot and I am one of the organizers of the market. We require our vendors to have insurance, and we have insurance (with the City also named), but we don't have that requirement for the non-profits that we give space to every week as space allows. I suppose we ought to think first about becoming an entity of some sort, or even a program of the market (now is not a good time to start new things, though, as we are up to our necks in planning for the season), and see where that takes us. Thanks again, Martha On Wed, Apr 22, 2015 at 12:49 PM, Stephen Andruski wrote: > I would check with the Farmers Market organizers. Sometimes they have > specific requirements. Also, are you sure the market is on public property? > For example, our group (The Rockville Bike Hub) is going to set up at a > local Farmers Market starting in May. The people running the Framers Market > require us to have at least $500,000 in liability insurance and to have the > organizers listed as co-insured parties. They are set up in the parking lot > of an office park, so its not public property, but even if it were, it > would be the city or other municipality that may require insurance. There's > also the matter of protection of your personal assets. As a CYA step, I > would consider having a waiver too. There are some good examples on the > Bike Collectives web site that I modeled ours after (or perhaps it was a > Think Tank thread). > > I know of another group in the DC area that started the way you are, but > there are risks. We decided to go at it more formally (incorporation, bank > account, etc.) with the intention of becoming an established facility > eventually. You could also look at doing something under the sponsorship of > a group like an area Boys Club or YMCA to get insurance coverage. Yet > another DC area group started that way. > > Good luck. > > Steve Andruski > The Rockville Bike Hub > > On Wed, Apr 22, 2015 at 11:52 AM, Waltham Bikes > wrote: > >> Hi all - >> >> [Not sure what I'm doing wrong, but I have been unable to access the >> Think Tank Archives even after logging on, so please forgive the possible >> duplication of an old topic.] >> >> A small group of us is wanting to do some simple repairs and safety >> checks (fix flats, adjust brakes, recommend needed repairs type of thing) >> at our local farmers' market. We are not a formal organization of any sort, >> just a bunch of friends thinking about getting into something larger and >> more formalized after we see how this goes. >> >> What is recommended for any sort of insurance coverage? It would be on >> public property at a farmers' market. The market has liability insurance, >> but we would not be a program of the market (if doing so would allow us to >> be covered, then maybe we should look into that). >> >> Sample concerns: >> - If we touch someone's bike and they roll out into traffic, get hit and >> claim that it was our bad repair job... >> - If we "break" their bike while trying to fix it... >> >> Thanks very much. >> >> Martha >> >> >> ____________________________________ >> >> The ThinkTank mailing List >> > http://lists.bikecollectives.org/options.cgi/thethinktank-bikecollectives.= org">Unsubscribe >> from this list >> >> >> > > > -- > > "Nearly all men can stand adversity, but if you want to test a man's > character, give him power." > ~ Abraham Lincoln > > ____________________________________ > > The ThinkTank mailing List > http://lists.bikecollectives.org/options.cgi/thethinktank-bikecollectives.o= rg">Unsubscribe > from this list > > > ____________________________________ The ThinkTank mailing List 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