hello everyone,

i am dave baker from the bike works in silver city, new mexico. i am a new addition to this list so i figured i would send out this query and see what ideas everyone has.

i am looking for an insurance provider that offers a policy tuned for the type of work we do. we previously had insurance for a retail bike shop but it doesn't apply since retail shop customers generally don't enter the shop space and don't usually use the tools.

we are a 501(c)(3) nonprofit that runs weekly free workshops that are open to the public. we also take kids on a weekly bike ride.

in april, we are having a fundraising event in a local city park and the city is requiring that we get liability coverage for the day, which costs around $300.  A year long policy would cover special events such as this and make much more sense.

i am looking for feedback from other organizations that have dealt with this same issue.

thanks,

dave