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Bicycle Shop Insurance

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Insurance Plans for Bicycle Shops

Hard work goes into keeping your bike shop successful. Selling the latest products and accessories, advertising, providing safety and training courses, and other activities require your undivided attention. Your clientele may include casual riders who are looking to enjoy the great outdoors as well as professional cyclists who engage in competitions and races. Regardless of how you've set up shop, the insurance for your business can be invaluable. With bike shop insurance through AmVenture Insurance Agency, Inc., you could remain focused on your objectives and spend less time being concerned about safeguarding your business.

If you want to continue to operate a successful bike shop, you need protection against certain risks like liability claims, property damage, and workplace accidents. Insurance coverage can help you achieve your goals of growing your business while securing your resources. AmVenture is a producer of bespoke bike insurance products for small businesses.

Insurance policies from our top-rated carriers can include the following coverage:

  • Workers' Compensation
  • Businessowners Policy
  • Commercial Auto Insurance
  • Cyber Liability Insurance

Workers' Compensation for Your Bike Shop

If you have one or more employees, your state likely requires you to carry workers' compensation insurance. The policy may include coverage for claims related to on-the-job injuries, accidents, and illnesses. Since your business sells products that revolve around competition and sport, an accident or injury can easily happen. With workers' comp, injured employees may receive help paying for medical expenses, surgeries, hospital stays, prescription drugs, lost wages, and more. As a bike shop owner, with the policy, you could get defenses to any lawsuits filed for employees' workplace injuries and get help paying for costs associated with a claim.

What Does a Businessowners Policy Cover?

Recovering from the aftermath of property damage, a third-party lawsuit, or a similar situation can be stressful for any small business owner. You may not be able to prepare ahead of time for a hazard. Obtaining coverage through a businessowners policy (BOP) could protect you against multiple risks. A BOP bundles different types of coverage to protect you from the following risks:

  1. Property damage. Your property and inventory may be protected against fire damage, vandalism, theft, and other kinds of damage.
  2. Liability claims. Coverage is designed for third-party liability claims, including allegations of bodily injury, property damage, copyright infringement, and advertising injury.
  3. Business interruption. Loss of income you suffer due to an unexpected event, such as assistance recovering financially if you have to shut your bicycle shop for a period of time because of a catastrophe such as a fire.

Do You Need Commercial Auto Insurance?

If you're one of the many bike shop owners who uses a vehicle for business purposes, you may need commercial auto insurance coverage. If an employee drives one of your commercial vehicles and suffers an accident, it can result in costly medical bills, property damage, or liability claims. Commercial auto insurance is designed to help cover those costs if a collision or accident occurs.

What Is Cyber Liability Insurance?

Data breaches are an increasingly common fear for many business owners. Anytime you conduct business online, you could be at risk for a cyberattack. Cyber liability insurance can help you deal with the effects of a data breach or cyberattack.

How to Get Bicycle Shop Insurance

You can begin safeguarding your bicycle shop today by contacting one of the friendly representatives at AmVenture. To get a free quote, simply fill out our easy online form. We'll be in touch with you shortly to discuss insurance options with you.

About AmVenture

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