Insurance for Bike Businesses
Quick quotes. Comprehensive coverage. Tailored to bike businesses.
Bike, ebike and micromobility businesses have been booming in recent years, with many new shops and brands getting started in the last decade. As a new category with relatively fewer years of experience, there are many risks that bike shops need to protect themselves from, including theft and damage of some very expensive equipment and the possibility of injury and liability.
General Liability (GL) protects your business from legal claims and liability that arise from your operations. Bike shops in particular carry many inherent liability risks, so GL is always recommended.
Business Owner’s (BOP) combines your liability and property coverages to protect you from liability lawsuits, theft, and lost business income.
Learn more about business owner's.
Product liability protects bike manufacturers in the event of damages or malfunction resulting from improper design or manufacturing of a product that was sold to a customer.
Workers’ compensation ensures that bike shop employees are covered from on-site injury and illness, including lost wages and medical expenses.
Rental insurance protects your business and your assets from liability, theft, and damage as you rent your property out to renters.
Learn more about rental insurance.
Business Owner’s (BOP) combines your liability and property coverages to protect you from liability lawsuits, theft, and lost business income.
Learn more about business owner's.
General Liability (GL) protects your business from legal claims and liability that arise from your operations. Bike shops in particular carry many inherent liability risks, so GL is always recommended.
Product liability protects bike manufacturers in the event of damages or malfunction resulting from improper design or manufacturing of a product that was sold to a customer.
Workers’ compensation ensures that bike shop employees are covered from on-site injury and illness, including lost wages and medical expenses.
Rental insurance protects your business and your assets from liability, theft, and damage as you rent your property out to renters.
Learn more about rental insurance.
Umbrella insurance extends the coverage and limits of your existing policies and provides additional coverage specific to your business.
Oyster can cover most bike and ebike businesses that sell and rent both regular bikes and class 1, 2, or 3 ebikes. Oyster can also cover businesses in ebike-adjacent verticals, such as powersports, winter sports, and more.
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