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@lists.bikecollectives.org> wrote:
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- Re: Insurance and Waivers (Nicole Muratore)
---------- Forwarded message ---------- From: Nicole Muratore nicole@bikesaviours.org To: thethinktank@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@lists.bikecollectives.org> wrote:
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- Re: Insurance for Collectives Offering Repair Services (Ron G)
---------- Forwarded message ---------- From: Ron G pedalmore@gmail.com To: thethinktank@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 _______________________________________________ Thethinktank mailing list Thethinktank@lists.bikecollectives.org
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