Hey friends,
Do y'all know of or have specific insurance coverage for your community bike operations? I got basic renter insurance for a community shop here but know little about it and it could probably be improved.
Thanks! Tara
Yo! I work within bikeshare, but we're starting to host a lot of group bike rides and such and I've been tasked with thinking about insurance coverage for those rides -- that covers all participants. In looking that up, I learned about the League of American Bicyclist diff insurance options. Maybe something that they offer will be aligned with what you're looking for... or it may be at least a starting point for framing what you might need/want.
I dropped a couple links below. Give 'em a look. Good luck. -- E
- Club & Advocacy Org Insurance Overview -
https://www.bikeleague.org/content/insurance-clubs-and-organizations
- 2021 LoAB Insurance Program -
https://appsrv4.amerspec.com/dbweb/f?p=144:2
- Brochure - https://americanspecialty.com/lab/brochure2021.pdf
- Directors & Officers Info -
https://americanspecialty.com/lab_cov/index.html
On Mon, Jun 28, 2021 at 8:54 PM Elmira Bikes elmirabikes@gmail.com wrote:
Hey friends,
Do y'all know of or have specific insurance coverage for your community bike operations? I got basic renter insurance for a community shop here but know little about it and it could probably be improved.
Thanks! Tara ____________________________________
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Hello Tara, At Third Hand Bike Co-op (thirdhand.org), we have general liability and property insurance (we own the building) and Director's and Officer's insurance to cover coordinators. The former is from American Family Insurance (because one of our coordinators knew the agent) and the latter is from United States Liability Insurance Company (recommended by the agent). That's what we're comfortable with collectively though the answer will differ among organizations! Let me know if you have any questions. Good luck. Matt On Monday, June 28, 2021, 08:54:11 PM EDT, Elmira Bikes elmirabikes@gmail.com wrote:
Hey friends, Do y'all know of or have specific insurance coverage for your community bike operations? I got basic renter insurance for a community shop here but know little about it and it could probably be improved. Thanks!Tara ____________________________________
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https://www.silentsportsinsurance.com/
https://www.erieinsurance.com/
Scott Chapin. He specializes in bike industry insurance. Direct 715-634-6513 │Cell 612-759-6350│Main 800-378-4318 scott.chapin@marshmma.com
Specializes in every aspect of bike related issues: Josh Powell, Holmes Murphy in Iowa (doesn't matter where you're located). (515) 223-6893 JPowell@holmesmurphy.com
Are some of the suggestions for bike shop insurance in the US that have come up in the past.
Scott is a good guy, very thorough.
If you want to get good liability INS for leading rides and events where you instruct the public on safe riding, it is worth looking into the LAB's certification https://bikeleague.org/content/become-instructor. They include coverage if someone is hurt on your ride, and if they are hurt later, and claim that you "told them to ride in the middle of the lane" . There are some paperwork hoops to jump, but you should be tracking participants anyway, and it is pretty excellent coverage for $25/year (after passing a $500 certification seminar). Jim Sheehan Executive Director Ohio City Bicycle Co-op 1840 Columbus Rd Cleveland, Ohio 44113 216 830 2667 OhioCityCycles.org jim@ohiocitycycles.org
http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail Virus-free. www.avg.com http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail <#DAB4FAD8-2DD7-40BB-A1B8-4E2AA1F9FDF2>
On Tue, Jun 29, 2021 at 1:39 PM David Oliver nowhere3@gmail.com wrote:
https://www.silentsportsinsurance.com/
https://www.erieinsurance.com/
Scott Chapin. He specializes in bike industry insurance. Direct 715-634-6513 │Cell 612-759-6350│Main 800-378-4318 scott.chapin@marshmma.com
Specializes in every aspect of bike related issues: Josh Powell, Holmes Murphy in Iowa (doesn't matter where you're located). (515) 223-6893 JPowell@holmesmurphy.com
Are some of the suggestions for bike shop insurance in the US that have come up in the past. ____________________________________
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These are all great resources thanks y’all! I was also wondering if you have volunteers and/or participants fill out a waiver and what that looks like?
On Tue, Jun 29, 2021 at 5:05 PM Jim Sheehan jim@ohiocitycycles.org wrote:
Scott is a good guy, very thorough.
If you want to get good liability INS for leading rides and events where you instruct the public on safe riding, it is worth looking into the LAB's certification https://bikeleague.org/content/become-instructor. They include coverage if someone is hurt on your ride, and if they are hurt later, and claim that you "told them to ride in the middle of the lane" . There are some paperwork hoops to jump, but you should be tracking participants anyway, and it is pretty excellent coverage for $25/year (after passing a $500 certification seminar). Jim Sheehan Executive Director Ohio City Bicycle Co-op 1840 Columbus Rd https://www.google.com/maps/search/1840+Columbus+Rd+Cleveland,+Ohio+44113?entry=gmail&source=g Cleveland, Ohio 44113 https://www.google.com/maps/search/1840+Columbus+Rd+Cleveland,+Ohio+44113?entry=gmail&source=g 216 830 2667 OhioCityCycles.org jim@ohiocitycycles.org
http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail Virus-free. www.avg.com http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=webmail <#m_150371526074769400_DAB4FAD8-2DD7-40BB-A1B8-4E2AA1F9FDF2>
On Tue, Jun 29, 2021 at 1:39 PM David Oliver nowhere3@gmail.com wrote:
https://www.silentsportsinsurance.com/
https://www.erieinsurance.com/
Scott Chapin. He specializes in bike industry insurance. Direct 715-634-6513 │Cell 612-759-6350│Main 800-378-4318 scott.chapin@marshmma.com
Specializes in every aspect of bike related issues: Josh Powell, Holmes Murphy in Iowa (doesn't matter where you're located). (515) 223-6893 JPowell@holmesmurphy.com
Are some of the suggestions for bike shop insurance in the US that have come up in the past. ____________________________________
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David Oliver -
Elese Daniel -
Elmira Bikes -
Jim Sheehan -
Matthew Dickinson