i&#39;m sure someone else will post today with more info than this, but since it hasn&#39;t been mentioned yet, here it is.<br><br>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&#39;re out of the shop and not riding...say we&#39;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&#39;s my understanding that you&#39;ll need a list of participants before any accidents happen...<br>
<br>again, someone else will have more info(i hope...), but that&#39;s my basic understanding...<br><br><br><br><div class="gmail_quote">On Fri, May 9, 2008 at 8:00 AM, Urban Bike Project Wilmington, DE &lt;<a href="mailto:urbanbikeproject@gmail.com">urbanbikeproject@gmail.com</a>&gt; wrote:<br>
<blockquote class="gmail_quote" style="border-left: 1px solid rgb(204, 204, 204); margin: 0pt 0pt 0pt 0.8ex; padding-left: 1ex;">UBP pays by the year (around 650 I think...) for general liability insurance, no directors or child molestors coverage.&nbsp; This covers activities inside the shop only, bikes that leave are not insured.&nbsp; No paid staff so no workers comp.<br>

<br>We had to get insurance to make good on our rental/license agreement that requires 1,000,000 of coverage.&nbsp; We met a broker who helped &quot;pitch us&quot; to insurance companies. We were turned down by more than a few before we finally got coverage.<br>

<br>more on the wiki:<br><a href="http://www.bikecollectives.org/wiki/index.php?title=Insurance" target="_blank">http://www.bikecollectives.org/wiki/index.php?title=Insurance</a><br><br>good luck,<br>Brian<div><div></div>
<div class="Wj3C7c"><br><br><div class="gmail_quote">
On Fri, May 9, 2008 at 12:41 AM, Jason Tanzman &lt;<a href="mailto:jtanzman@riseup.net" target="_blank">jtanzman@riseup.net</a>&gt; wrote:<br><blockquote class="gmail_quote" style="border-left: 1px solid rgb(204, 204, 204); margin: 0pt 0pt 0pt 0.8ex; padding-left: 1ex;">

I&#39;m new to this list but it seems like an awesome community of shared knowledge!<br>
<br>
Here is another question that our shop is dealing with - insurance and liability questions. &nbsp;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. &nbsp;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.<br>


<br>
But - it seems really expensive, how do community bike shops pay for it? &nbsp;How much do you pay per month for liability insurance? &nbsp;Do you have volunteer lawyers giving legal advice? &nbsp;Do you pay workman&#39;s comp for your staff, or do you hire staff as independent contractors? &nbsp;We want to make sure we do this right and protect our people, but it&#39;s expensive and hard. &nbsp;Any information is helpful!!<br>


<br>
-Jason<br>
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</blockquote></div><br><br clear="all"><br></div></div>-- <br>Urban Bike Project of Wilmington<br>1908 N. Market Street (entrance is in the parking lot behind the building)<br>Wilmington, DE 19801<br><br>Hours:<br>Thursday 6:30-9:00<br>

Saturday 1:00-4:00<br><br>Visit us online at <a href="http://urbanbikeproject.org" target="_blank">http://urbanbikeproject.org</a>
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