We have a great panel of insurers all after your business, who will try to accommodate all your needs. By asking for a quote you will not only get great quotations from a range of insurers and brokers, but also benefit from their vast knowledge of insuring bike shops.
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When you are looking to insure your bike shop you will be presented with a multitude of choices. Whilst most standard policies will cover you for your and your employees' protection and for your equipment and stock. It is also very much worth considering insurance against malicious fires, broken glass and flooding amongst other risks.
Here are some of the policies which are fairly essential for those with bike shops.
Bike Shop Contents Insurance - this protects the fittings and contents within your shop, meaning should there be an incident in which the inside of your shop was damaged, through fire, water or anything else, you would have the cover to protect yourself. Make sure you do check your individual policy to find out what specific elements your premises will be protected against.
Public Liability Insurance - as a shop, you will have customers on your premises. It's important to have public liability insurance to protect yourself, as the owner, against any injury that a member of the public may face and subsequently the lawsuit which may follow!
Employees Liability Insurance - within the UK this cover is a legal requirement. Should any incidents or accidents occur involving employees, you will be protected against claims from them alleging you have been negligent.
Product Liability Insurance - for a bike shop this is an insurance that should not be overlooked. It protects the owner from claims by someone who has purchased a product from you. It cover you against reported damage or injury from any third parties.
A few minutes thought before committing yourself to a bike shop insurance policy can significantly reduce your stress levels at a later date should an incident occur, and you be left unsure as to whether you are fully insured or not.
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This content was last reviewed on 13/08/2019