Running a bike shop isn’t just about selling and fixing bicycles – it’s about managing risks, too. Whether it’s a small local store or a bigger operation, bicycle shop business insurance can help protect your business from unexpected situations. From accidents in the shop to customer injuries or damage to a customer's property, having the right coverage can save you headaches and money.
USA Insurance has been helping businesses for 17+ years and partners with over 240 carriers. We can get you the best deal for your bicycle shop insurance, and you can purchase a policy online in under 15 minutes. Live support, USA-based, and located in Burbank, CA.
General liability insurance covers third-party bodily injuries, property damage, and legal fees. In a bicycle shop, accidents can happen – maybe a customer trips over a display or a bike falls and damages their car.
Example: A customer slips on a wet floor in your shop, breaking their wrist. General liability could help cover medical bills and legal fees if they decide to sue.
A BOP bundles general liability and property insurance into one policy, making it convenient for shop owners. It covers not just accidents but also damage to your shop’s building, equipment, or inventory.
Example: A fire breaks out, damaging your bicycles, tools, and the shop itself. A BOP would help cover the cost of repairs and replacing the inventory.
If your bicycle shop uses vehicles for deliveries or mobile repairs, commercial auto insurance covers damages from accidents, theft, or vandalism involving company vehicles.
Example: One of your delivery vans is involved in a fender bender on the way to drop off bikes. Commercial auto insurance could cover the repair costs for both vehicles.
This covers the cost of replacing or repairing tools and equipment used in your shop, whether stolen, lost, or damaged.
Example: Your specialized bike tools are stolen from the shop overnight. Tools coverage would help pay for their replacement so you can get back to work quickly.
(888) 900 0205
