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.
On Sat, Oct 10, 2020 at 1:03 PM <
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Today's Topics:
- 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
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