Insurance for bike manufacturers, importers, retailers, repairers, hire businesses
Commercial bicycle businesses can manufacture, import, wholesale, retail, repair, customise, hire and maintain conventional bikes, parts and accessories.
Cover requirements can involve products, stock, workshops, customer bicycles, mobile servicing, online sales, employees, deliveries, hire fleets and several business locations.
Bicycle manufacturers, frame builders, assemblers, importers and product businesses
Commercial bike businesses can occupy several supply-chain roles. Manufacturing, branding, importing, wholesale and product responsibility should all be described accurately.
Bicycle manufacturers
Bicycle manufacturers may range from specialist workshops producing bespoke frames to larger factories assembling complete bikes. Manufacturers Insurance provides related guidance for commercial production businesses.
Bicycle frame builders
Frame builders may work with steel, stainless steel, aluminium, titanium, carbon or composite materials. Products can include road, mountain, gravel, touring, BMX, cargo and tandem frames, including custom geometry and hand-built designs.
Custom bicycle builders
Bespoke builders may combine frame manufacture, component selection and complete bicycle assembly. Builds can include road, gravel, touring, bikepacking, mountain, BMX, cargo and adapted cycles, including high-value one-off commissions.
Bicycle assemblers
Assemblers may buy frames, forks, wheels, groupsets and other components before producing complete bicycles. Component suppliers, countries of origin, assembly methods, testing, quality control, branding, production volumes and sales channels should be described.
Bicycle importers
Importers may bring complete bicycles, frames, components or accessories into the UK and can assume important product responsibilities. Importers And Exporters Insurance provides related guidance for international supply chains.
Bicycle wholesalers
Wholesalers may supply cycle shops, online retailers, repair workshops, hire operators, fleets, sports retailers, tour businesses and distributors. Wholesaler Insurance provides related commercial guidance.
Bicycle distributors
Distributors may represent overseas bicycle brands, handle several manufacturers or supply specialist parts and accessories to the cycle trade. Distributor Insurance provides related information.
Product liability for bicycle businesses
Product allegations may involve complete bicycles, frames, forks, wheels, brakes, handlebars, helmets, child seats, trailers, locks or other components. Product Liability Insurance may be particularly relevant to manufacturers, importers and suppliers.
Bike shops, repair workshops, mobile mechanics, used bikes and online sales
Retail and repair businesses may hold valuable stock and customer-owned bicycles while combining workshops, mobile service, refurbishment, customisation and ecommerce.
Bike shop insurance
A bicycle retailer may combine a shop, showroom, repair workshop, parts counter, bike fitting, test rides, online sales, used-bike sales, hire and servicing. Shop Insurance provides related retail guidance.
Bicycle repair workshops
Repairers may undertake: routine servicing, brake servicing, gear adjustment, chain replacement, cassette replacement, bottom brackets, headsets, bearings, wheel repairs, wheel truing, hub servicing, suspension servicing, fork replacement, hydraulic brakes, frame alignment, component replacement, race preparation, custom upgrades.
Customer bicycles
Customer bikes can be one of the most important property exposures for repairers. A workshop may hold bicycles: awaiting diagnosis, dismantled for repair, waiting for components, partly rebuilt, completed and awaiting collection, stored overnight.
High value bikes
Specialist businesses may regularly handle: carbon racing bikes, premium mountain bikes, custom titanium bikes, competition bikes, time-trial bikes, high-value gravel bikes, bespoke touring bikes, collector bicycles. Individual values can be substantially above a typical retail bicycle.
Bicycle mechanics
Activities can include shop mechanics, independent mechanics, service technicians, race technicians, workshop technicians, mobile mechanics, fleet technicians, warranty repairers.
Mobile bike mechanics
Mobile mechanics may service bicycles at homes, workplaces, fleet depots, universities, events, clubs and holiday locations. Tools In Van Insurance and Tools In Vans Overnight Insurance provide related guidance for equipment carried between jobs.
Collection and return repairs
Repairers may collect customer bicycles and return them after servicing, creating additional handling, custody and transport exposures. Goods In Transit Insurance provides related information for property moving between locations.
Bicycle wheel builders
Specialist wheel builders may include lace wheels, build custom wheelsets, rebuild hubs, replace spokes, build racing wheels, construct touring wheelsets, build cargo-bike wheels. Work may be undertaken for consumers, shops or trade customers.
Frame repair and carbon repair
Structural frame and carbon repair create different risks from routine mechanical servicing. Activities can include steel frame repairs, brazing repairs, aluminium frame repair where undertaken, titanium repair, carbon-frame inspection, carbon repairs, fork repairs, structural assessment, frame refinishing.
Bike fit businesses
Bike fitting can include saddle positioning, cleat setup, reach, stack, handlebar position, performance fit, road-bike fitting, triathlon-bike fitting, gravel-bike fitting, competition setup. Businesses may operate from retail shops, dedicated studios or home studios. See Studio insurance for related guidance.
Used bike dealers
Activities can include second-hand bike shops, used-bike retailers, online used-bike sellers, trade-in businesses, auction buyers, ex-hire bike sellers, ex-demo bike sellers, businesses purchasing cycles for resale. The broker should understand whether the business simply resells bicycles or repairs and modifies them before sale.
Refurbished bicycle businesses
Refurbishment may involve: strip-downs, replacement drivetrains, new wheels, new brakes, replacement forks, bearing replacement, paintwork, frame repair, upgrades, new accessories, complete rebuilds. A business carrying out substantial refurbishment can have a different product exposure from a straightforward second-hand dealer.
Vintage bicycle restoration
Activities can include vintage road bikes, classic racing bicycles, heritage cycles, historic steel frames, collector bicycles, period component restoration, museum-display cycles. Restoration can involve rare parts, traditional techniques and high-value customer property.
Bicycle customisation
Businesses may specialise in: bespoke paint, decals, component upgrades, wheel upgrades, race setups, bikepacking conversions, touring setups, cargo modifications, custom cockpit setup, suspension upgrades.
Online bike retailers
Online retailers may sell bicycles, components, accessories or used bikes through their own websites, marketplaces, social media and trade portals. Website And Online Business Insurance provides related ecommerce guidance.
Dropshipping bicycle businesses
Dropshipping businesses may market bicycles, parts and accessories without physically holding every product. Dropshipper Insurance provides related guidance for supplier, product and customer responsibilities.
Cyber risks
Websites, customer records, online payments, order systems, booking platforms, email and cloud services can all create digital dependencies. Cyber Insurance provides related information for eligible cyber exposures.
Working from home
Home-based cycle businesses can include online sellers, wheel builders, repairers, custom builders, mobile mechanics and small assemblers. Working From Home Insurance provides related guidance for declared commercial activity at a residential address.
Specialist insurance for bike shops, repairers, manufacturers and cycle businesses
Tell Quote Monkey about manufacturing, imports, products, repairs, customer bicycles, premises, stock, online sales, employees, hire fleets and every connected commercial activity.
Bike hire, fleets, tours, stock, storage, deliveries and growing businesses
Hire operators, fleet specialists and expanding cycle businesses can depend on substantial stock, tools, vehicles, warehouses, storage facilities and several income streams.
Bike hire businesses
Bike hire can include road, mountain, BMX, gravel, touring, cargo, family and tandem cycles supplied by independent operators, hotels, campsites or attractions. Equipment Hire Business Insurance provides related guidance.
Hire fleet values
The broker may need: number of bikes, maximum individual value, total fleet value, bike type, storage, maintenance, security, customer use, geographical operating area.
Bicycle rental businesses
Rental models may include hourly, daily, weekend, weekly, holiday, long-term, corporate or subscription arrangements. Fleet values, maintenance, customer agreements, protective equipment, age limits, deposits and collection procedures should be described.
Bicycle subscription businesses
Businesses may provide bikes under monthly subscription arrangements with: maintenance, repairs, replacement bikes, fleet servicing, collection and delivery.
Bicycle leasing businesses
Leasing may involve corporate schemes, employee cycles, long-term fleets or commercial bicycle supply. The broker should understand ownership, maintenance responsibilities, recovery arrangements, customer use and the maximum value placed with any one organisation.
Commercial bicycle fleets
Fleet operations can include courier bikes, delivery fleets, corporate bikes, hotel fleets, university bikes, tour businesses, rental fleets, subscription fleets, shared bicycle schemes.
Fleet maintenance contractors
Some businesses service fleets including delivery fleets, courier fleets, hire fleets, university bikes, corporate bikes, hotel bicycles, tour operator bikes, shared fleets.
Cycling tour operators
Activities can include guided road rides, mountain-bike tours, gravel tours, city tours, heritage tours, family rides, multi-day tours, holiday cycling businesses. Tell the broker whether bikes and helmets are supplied.
Bicycle training businesses
Activities can include cycle instructors, children's cycle training, adult confidence training, road cycling instruction, mountain-bike coaching, BMX coaching, workplace cycle training, maintenance classes, bike-handling sessions.
BMX businesses
BMX Liability Insurance provides related guidance for BMX coaching and organised activities. Describe whether the business also hires bikes, supplies protective equipment, operates facilities or arranges demonstrations.
Bicycle performers
Commercial cycling performances can create specialist public-liability exposures. See Bicycle Acts Performers Public Liability Insurance and Cycling Act Performance Public Liability Insurance for related guidance.
Bicycle stock insurance
Stock can include complete bicycles, frames, forks, wheels, components, tyres, helmets, clothing, locks, lights, racks, panniers and accessories. Business Stock Insurance provides related guidance, including the need to declare seasonal peak values.
Customer bike values
Repairers should separately declare customer property from their own stock. A workshop might contain several high-value customer bicycles at the same time.
Business contents
Commercial contents can include repair stands, tool cabinets, wheel-truing equipment, workbenches, compressors, computers, EPOS systems and specialist cycle tools. Business Contents Insurance provides related information.
Warehouse insurance
Importers, wholesalers, distributors and ecommerce businesses may store boxed bicycles, frames, components and accessories in warehouses. Warehouse Insurance provides related property guidance for these commercial locations.
Self storage
Separate facilities may hold boxed bikes, components, seasonal stock, packaging or hire fleets. See Business Goods And Stock In Self Storage and Self Storage Insurance for related guidance.
Goods in transit
Bicycles and components may move between manufacturers, warehouses, shops, customers, repairers, depots and hire sites. Goods In Transit Insurance provides related information for eligible property in transit.
Delivery vans
Vans may be used to deliver stock or collect and return customer bicycles. Commercial Vehicle Insurance and Delivery Van Insurance provide related motor guidance.
Tools in vans
Mobile mechanics and fleet technicians may carry valuable tools between jobs or leave them in vehicles overnight. See Tools In Van Insurance and Tools In Vans Overnight Insurance for related guidance.
Tools in garages
Home-based mechanics and builders may keep specialist cycle tools in a domestic garage or outbuilding. Tools In Garage Insurance provides related information for declared equipment and locations.
Shop to repair workshop
A retailer begins offering servicing and repairs. This adds workshop tools, customer bicycles, mechanical work and care-of-property exposures that were not present in a retail-only business.
Repairer to used bike dealer
A workshop starts buying, refurbishing and reselling bicycles. This creates stock, product and sales responsibilities alongside the existing repair and customer-property exposures.
Retailer to online seller
A local shop develops national ecommerce sales. Online payments, customer data, delivery, returns, sales territories and stock held for internet orders should be reviewed.
Importer to own brand
An importer begins applying its own branding to bicycles or components. Own-brand products can increase responsibility for specifications, instructions, traceability, warranties and product allegations.
Frame builder to complete bike manufacturer
A custom frame builder begins assembling complete bicycles. Component selection, compatibility, final assembly, testing, instructions and responsibility for the finished bike should be declared.
Retailer to hire business
A bike shop adds rental bicycles. Fleet values, maintenance, customer agreements, deposits, protective equipment, collection procedures and permitted riding locations become relevant.
Hire business to tour operator
A rental business begins organising guided rides. Route selection, participant numbers, supervision, instruction, supplied equipment and responsibilities for customers require additional consideration.
Mobile mechanic to workshop
A mobile repairer takes on commercial premises. Buildings, contents, customer access, security, stock, customer bicycles held overnight and fixed workshop equipment may then need cover.
Workshop to fleet maintenance contractor
A repair business begins maintaining commercial fleets. Contracts, service schedules, work at customer depots, maximum fleet values and responsibility for operational downtime should be described.
Home business to commercial unit
A wheel builder or online seller moves beyond a domestic garage. The new premises, lease obligations, security, stock, equipment, employees and business-interruption exposure should be reviewed.
Shop to bike fit studio
A retailer adds specialist fitting services. Advice, measurements, customer consultations, fitting equipment, appointments and any associated component changes should be included in the business description.
Non electric bike business to E Bike business
A conventional cycle business may add electric-bike retailing, repairs or manufacturing. The insurance arrangement should be reviewed when batteries, chargers, electrical systems or conversion work become a material part of the operation; see E Bike Insurance.
Power tools shop insurance
Power tools shop insurance provides related information for a connected bicycle business activity, commercial location, product, service or responsibility.
Hardware tools shop insurance
Hardware tools shop insurance provides related information for a connected bicycle business activity, commercial location, product, service or responsibility.
Detached garage buildings insurance
Detached garage buildings insurance provides related information for a connected bicycle business activity, commercial location, product, service or responsibility.
Specialist cycle businesses
Unusual products, custom work, demonstrations, events and mixed commercial activities should be explained fully so the broker can assess the complete business rather than one headline trade.
Liability, employees, business protection and realistic claims
These sections cover commercial responsibilities, insurance needs and possible claims without promising payment. Cover always depends on the circumstances, policy terms, limits and exclusions.
Public liability
Customers may visit shops, workshops and fitting studios, take part in training or tours, hire bicycles or attend demonstrations. Public Liability Insurance may respond to accepted third-party injury or property-damage claims, subject to policy terms.
Employers liability
Employees may include mechanics, retail staff, warehouse teams, drivers, assemblers, frame builders, factory staff and tour leaders. Employers' Liability Insurance is generally legally required for most employers, subject to limited exemptions.
Product liability
Product liability can be particularly important where a business manufactures, imports, assembles, refurbishes, modifies or supplies own-brand bicycles and safety-critical components. See Product Liability Insurance for related guidance.
Business interruption
Fire, serious theft, warehouse damage, insured machinery damage or loss of access can stop trading. Business Interruption Insurance may address eligible lost income and additional working costs following an insured event.
Commercial combined insurance
Larger businesses may combine premises, stock, contents, employees, liability, interruption and several trading activities. Commercial Combined Insurance provides related information for broader commercial arrangements.
E Bike businesses
Businesses that sell, repair or manufacture electric bicycles should also review E Bike Insurance. Batteries, chargers, electrical systems and conversion work can create exposures beyond conventional pedal-cycle operations.
Manufacturing and product responsibility
Frame building, complete-bike production, component manufacture, assembly, testing and own-brand products can make the business responsible for safety-critical work long after a bicycle has been sold.
Imported bikes and components
Importers And Exporters Insurance is relevant where UK businesses source bicycles, frames, helmets or components overseas. Product quality, traceability, instructions and recovery from foreign manufacturers can affect liability.
Customer bicycles in your care
Repair, fitting, storage and collection services can place high-value road, mountain, cargo or competition bikes in the business’s custody. Individual values and the total concentration held can be substantial.
Bike stock and high value cycles
Business Stock Insurance may be relevant to complete bikes, frames, wheelsets, components, clothing and accessories. Premium models and seasonal purchasing can create sharp peaks in total stock value.
Shops showrooms and workshops
Shop Insurance provides related guidance for customer-facing premises. Bicycle retailers may combine display stock, test rides, workshop tools, repairs, fittings, employees and customer bikes within one location.
Warehouses and separate storage
Warehouse Insurance and Storage Insurance offer related information where bikes, components, packaging or hire fleets are held away from the main shop or workshop.
Mobile repairs and tools away from premises
Tools In Van Insurance may be relevant to mobile mechanics visiting homes, workplaces, events and fleet depots. Theft exposure can continue while tools remain in a vehicle between jobs or overnight.
Online sales and ecommerce
Website And Online Business Insurance is relevant to sales through websites and marketplaces. Customer data, online payments, delivery, returns, product descriptions and cyber incidents can affect internet-based cycle businesses.
Hire rental and commercial fleets
Equipment Hire Business Insurance provides related guidance for rental operations. Fleet values, maintenance, customer use, deposits, agreements, protective equipment and storage can all influence the insurance required.
Cycling tours training and coaching
Guided rides, skills sessions, BMX coaching and cycle training can create responsibilities involving routes, supervision, participant ability, supplied bicycles, helmets and other equipment. Activity type and location influence the liability exposure.
Employees and workshop safety
Employers' Liability Insurance is generally required for most employers. Mechanics, warehouse teams and retail staff may face lifting, machinery, tools, sharp components, chemicals, test rides and busy workshop environments.
Deliveries collection and goods in transit
Goods In Transit Insurance may be relevant while stock or customer bikes move between suppliers, warehouses, shops, workshops and homes. Packing, securing, loading and maximum vehicle values all matter.
Growing and multi activity bicycle businesses
A retailer may add repairs, ecommerce, hire or bike fitting, while a repairer may begin selling used bikes or maintaining fleets. Each new income stream can alter property, liability and product exposures.
Specialist placement for complex bike businesses
Manufacturers, importers, carbon-frame repairers, high-value workshops, hire fleets and businesses holding many customer bikes can fall outside standard insurer preferences. Specialist underwriting can bring the different activities and values together.
Customer bicycle stolen from workshop
A high-value customer bicycle awaiting repair is stolen during a break-in. Any response depends on custody cover, declared values, security, evidence of forcible entry, limits and policy conditions.
Several customer bikes stolen
A workshop holding several customer bicycles overnight suffers a theft. The maximum total value, individual bike values, storage arrangements, alarm protection and applicable conditions would be examined.
Bicycle damaged during repair
A customer’s expensive carbon road bike is accidentally damaged during servicing. Cover depends on legal responsibility, the work undertaken, customer-property wording, values, exclusions and policy terms.
Frame repair allegation
A customer alleges that a repaired frame later failed. The investigation may consider the original damage, repair method, materials, testing, records, advice and legal responsibility.
Component failure allegation
A supplied component is alleged to have caused an accident. Product origin, specifications, fitting, compatibility, instructions, traceability and the business’s legal responsibility may all matter.
Imported bicycle product claim
An imported bicycle is alleged to contain a defect. The UK importer may face a claim where recovery from the overseas manufacturer is difficult or contractual responsibilities apply.
Own brand bike claim
A business selling own-brand bicycles receives an allegation following product failure. Design responsibility, overseas manufacture, testing, instructions, traceability and product-liability terms would be relevant.
Wheel failure claim
A customer alleges that a custom-built wheel failed after collection. Build records, component selection, spoke tension, inspection, intended use, advice and legal responsibility may be reviewed.
Shop theft
A retailer loses several high-value bicycles during a break-in. Stock values, peak-season declarations, security protections, evidence of entry, limits and policy conditions would affect the claim.
Warehouse theft
A distributor loses boxed bicycles and valuable components from a warehouse. Declared stock values, security, storage layout, access controls, limits and applicable conditions would be considered.
Workshop fire
A fire damages workshop tools, stock and customer bicycles. Separate policy sections, accurate values, the cause of the fire and compliance with conditions may determine the response.
Goods damaged in transit
A shipment of bicycles is damaged while moving between a warehouse and shop. Transit cover, ownership, carrier terms, packing, securing and the circumstances of damage would be examined.
Bike hire customer incident
A customer alleges injury while using a hired bicycle. Maintenance records, pre-hire checks, instructions, agreements, protective equipment and legal responsibility may influence the outcome.
Guided cycling incident
A participant alleges injury during a guided cycling activity. The route, weather, supervision, briefing, experience, supplied equipment and legal responsibility would be investigated.
Employee injury
A mechanic is injured while lifting or repairing a bicycle. Employers’ liability may respond to an accepted claim, depending on employment facts, training, equipment and legal responsibility.
Cyber incident
A cyber incident disrupts online orders or exposes customer data. Any response depends on the cyber services selected, incident circumstances, security controls, limits and policy conditions.
Specialist insurance for bicycle businesses
Quote Monkey can introduce suitable enquiries from manufacturers, importers, retailers, repairers, mobile mechanics, online sellers, hire operators, tour businesses and other commercial cycle specialists.
Frequently asked questions about bike business insurance
Is this Bike Insurance for personal bicycles?
No. This page is designed around commercial bicycle businesses, including manufacturers, importers, retailers, repairers, mobile mechanics, hire businesses, online sellers and other cycle-industry specialists.
Can a bicycle manufacturer get business insurance?
Potentially. Tell the broker what types of bicycles or components are manufactured, the processes used, turnover, premises, employees and where products are sold.
Can a bicycle frame manufacturer get insurance?
Potentially. Frame builders should describe the materials and manufacturing processes used, such as steel, aluminium, titanium, carbon or composite construction.
Can a custom bike builder get insurance?
Potentially. Explain whether the business manufactures frames, assembles complete bicycles from bought-in components or combines both activities.
Can a small hand-built bicycle business get insurance?
Potentially. Specialist manufacturers can range from home-based frame builders producing a small number of bespoke bicycles to larger commercial manufacturers.
Can a bicycle assembler get insurance?
Potentially. Tell the broker which components are bought in, what assembly takes place and how finished bikes are tested before sale.
Can a bicycle importer get insurance?
Potentially. Importers should disclose where products originate, what is imported and whether the business applies its own branding or modifies products after import. Use Importers & Exporters Insurance where relevant.
Can bicycle wholesalers get insurance?
Potentially. Use Wholesaler Insurance for businesses supplying shops and other trade customers.
Can bicycle distributors get insurance?
Potentially. Use Distributor Insurance for relevant distribution businesses.
Can a bike shop get business insurance?
Potentially. A cycle shop can combine retail, repairs, online sales, fitting, used-bike sales and other services. Use Shop Insurance where relevant.
Can a bike shop with a repair workshop get insurance?
Potentially. Tell the broker about both the retail operation and all servicing and repair activities.
Can an independent bicycle repairer get insurance?
Potentially. Describe the types of bikes repaired, work undertaken, premises, tools and maximum value of customer bicycles held.
Can a mobile bicycle mechanic get insurance?
Potentially. Mobile mechanics should describe where they work, what repairs are undertaken and what tools, parts or customer bikes are carried in vehicles.
Can a home-based bicycle repair business get insurance?
Potentially. Use Working From Home Insurance where appropriate.
Can I run a bike workshop from my garage?
Potentially, but the business activity, tools, stock and customer bicycles should be disclosed. Use Tools In Garage Insurance where relevant.
Can a bicycle wheel builder get insurance?
Potentially. Tell the broker whether wheel building is for consumers, cycle shops, competition riders or other trade customers.
Can a bicycle frame repairer get insurance?
Potentially. The materials repaired and type of structural work undertaken should be described accurately.
Can a carbon bicycle repair business get insurance?
Potentially. Carbon inspection and structural repair should be specifically disclosed rather than described simply as ordinary bike servicing.
Can a bicycle suspension servicing business get insurance?
Potentially. Tell the broker about servicing and repairs to forks, shocks and other suspension components.
Can a bike fitting studio get insurance?
Potentially. Use Studio Insurance or Home Studio Insurance where relevant.
Can a used bicycle dealer get insurance?
Potentially. Tell the broker whether bicycles are simply resold or repaired, serviced or refurbished before sale.
Can a refurbished bike business get insurance?
Potentially. Explain the extent of refurbishment, including replacement components, structural repairs, paintwork, servicing and testing.
Can a vintage bicycle restoration business get insurance?
Potentially. This can involve valuable customer bicycles, specialist parts and restoration work.
Can a bicycle customisation business get insurance?
Potentially. Describe modifications such as custom components, paintwork, wheel changes, drivetrain changes and specialist conversions.
Can an online bicycle shop get insurance?
Potentially. Use Website And Online Business Insurance where relevant.
Can an online-only bicycle business get insurance?
Potentially. Tell the broker where stock is held, how products are dispatched and whether the business imports, modifies or manufactures anything.
Can a bicycle business sell through marketplaces?
Potentially. Disclose the products sold, turnover, marketplaces used and where stock originates.
Can a bicycle dropshipping business get insurance?
Potentially. Use Dropshipper Insurance.
Can a bike hire company get insurance?
Potentially. Tell the broker the number and value of bicycles, types of bikes, customer use, maintenance and storage arrangements.
Can a mountain bike hire business get insurance?
Potentially. The broker should understand where customers ride, whether routes are supervised and whether helmets or other equipment are supplied.
Can a road bike rental business get insurance?
Potentially. High-value hire fleets and customer use should be described accurately.
Can a gravel bike hire company get insurance?
Potentially. Tell the broker about fleet values, routes, maintenance and hire conditions.
Can a cargo bike hire business get insurance?
Potentially. Include whether the bikes are pedal-powered or electric and what customers use them for.
Can a tandem hire business get insurance?
Potentially. Include the fleet size, values, maintenance and customer activities.
Can hotels and campsites offer bike hire?
Potentially. Bike hire may be an additional activity of a hospitality or leisure business and should be disclosed.
Can a bicycle subscription business get insurance?
Potentially. Explain how long bikes remain with customers and whether servicing, repairs and replacement bikes are included.
Can a bicycle leasing company get insurance?
Potentially. Tell the broker about ownership, fleet values, customers, maintenance and length of leases.
Can a commercial bicycle fleet get insurance?
Potentially. The arrangement required depends on the bikes, ownership, use, storage and associated business activities.
Can a bicycle fleet maintenance contractor get insurance?
Potentially. Describe the fleets maintained, number of bikes, locations and work undertaken.
Can a cycling tour business get insurance?
Potentially. Tell the broker about routes, participant numbers, experience levels and whether bicycles or equipment are supplied.
Can a cycle training business get insurance?
Potentially. Describe whether training is for children, adults, workplaces, clubs or specialist cycling disciplines.
Can a mountain bike instructor get insurance?
Potentially. Terrain, locations, participant experience and activities should be described.
Can a BMX coaching business get insurance?
Potentially. Quote Monkey also has BMX Liability Insurance.
Can bicycle performers get insurance?
Potentially. Specialist performance businesses can use Bicycle Acts Performers Public Liability Insurance where appropriate.
Can bicycle couriers get insurance?
Potentially.
Can a cargo-bike delivery business get insurance?
Potentially. Tell the broker what is delivered, where the business operates, the number of bikes and whether any are electrically assisted.
Can a cycling accessories retailer get insurance?
Potentially. Accessories can include helmets, locks, lights, pumps, bags, racks, clothing, tools and many other products.
Can a bicycle parts wholesaler get insurance?
Potentially. Tell the broker which products are supplied, where they originate and whether any are sold under the business's own brand.
Can a bicycle helmet importer get insurance?
Potentially. The business's role as importer and the nature of the safety product should be clearly disclosed.
Can a bike lock and security product retailer get insurance?
Potentially. Explain whether the business simply retails products or also imports, manufactures or installs them.
Can a bicycle business operate from a warehouse?
Potentially. Use Warehouse Insurance where relevant.
Can bike stock be kept in self storage?
Potentially. Use Business Goods And Stock In Self Storage for relevant commercial stock-storage requirements.
Can bicycle stock be insured?
Potentially. Use Business Stock Insurance where appropriate.
Can high-value bicycle stock be insured?
Potentially. Tell the broker the maximum total stock value and maximum value of individual bicycles.
What if my bike stock increases at certain times of year?
Tell the broker about expected seasonal maximums rather than only the average stock level.
Can customer bicycles be covered while in my workshop?
Potentially, depending on the arrangement. Declare the maximum individual customer-bike value and maximum total held.
What if I repair very expensive racing bikes?
Tell the broker. A workshop regularly handling high-value carbon or custom bicycles should disclose the maximum values.
What if customer bikes are kept overnight?
Tell the broker about overnight values and security arrangements.
Can tools used by a mobile bike mechanic be insured?
Potentially. Use Tools In Van Insurance where relevant.
What if my tools stay in the van overnight?
Use Tools In Vans Overnight Insurance where appropriate.
Can bikes be covered while being delivered?
Potentially. Use Goods In Transit Insurance where appropriate.
What if I collect customer bikes for repair?
Tell the broker that customer property is transported as part of the business.
Can a bike business insure a delivery van?
Use Commercial Vehicle Insurance and the more specific Delivery Van Insurance where appropriate.
Does a bike business need Public Liability Insurance?
Public Liability may be relevant where customers or other members of the public interact with the business. Use Public Liability Insurance.
Does a bicycle business need Product Liability Insurance?
Product Liability can be particularly important to consider for manufacturers, importers, assemblers, own-brand businesses, refurbishers and businesses supplying components. Use Product Liability Insurance.
What about Employers' Liability Insurance?
Businesses with employees should consider their legal obligations and insurance requirements. Use Employers' Liability Insurance.
Can bike manufacturers get Product Liability Insurance?
Potentially. Tell the broker exactly what is manufactured, where products are sold and annual turnover.
Can importers face product liability risks?
Yes, product responsibility is an important consideration for importers. The broker should understand the supply chain and countries of manufacture.
What if I sell bicycles under my own brand?
Tell the broker. Own-brand arrangements can materially change the business's role in the product supply chain.
What if I modify bikes before selling them?
Disclose the modifications and testing undertaken.
What if I assemble bikes from imported components?
Tell the broker both about importing and assembly.
Can a bicycle business get Business Interruption Insurance?
Potentially. Use Business Interruption Insurance where appropriate.
Can an online bike retailer get Cyber Insurance?
Potentially. Use Cyber Insurance.
Can a bike business insure workshop equipment?
Potentially. Use Business Contents Insurance where relevant.
What if my business has several premises?
Tell the broker about every shop, workshop, warehouse, factory, office and storage location.
What if I manufacture and retail bikes?
Tell the broker about both activities. The policy arrangement should reflect the complete business.
What if I import, wholesale and sell online?
Declare all three activities together with the source of products and turnover split.
What if my bike shop also hires bicycles?
Tell the broker about the retail operation and hire fleet.
What if my repair business also sells used bikes?
Declare repairs, refurbishment and retail sales.
What if I work with electric bikes as well?
See the E Bike Insurance page for the commercial e-bike side of the operation.
Similar policy types
E Bike insurance
For manufacturers, importers, retailers, repairers and online businesses principally involved with electric bicycles. It may be useful where the bicycle business combines several commercial activities, locations or responsibilities.
Manufacturers insurance
For bicycle manufacturers, frame builders, component manufacturers and production businesses. The appropriate arrangement depends on the services, products, people and property involved. It may be useful where the bicycle business combines several commercial activities, locations or responsibilities.
Factory insurance
For larger cycle manufacturers and component businesses operating from production premises. The appropriate arrangement depends on the services, products, people and property involved. It may be useful where the bicycle business combines several commercial activities, locations or responsibilities.
Importers and exporters insurance
For businesses importing complete bikes, frames, components and cycling products. The appropriate arrangement depends on the services, products, people and property involved. It may be useful where the bicycle business combines several commercial activities, locations or responsibilities.
Wholesaler insurance
For cycle wholesalers supplying shops, workshops and other trade customers. It may be useful where the bicycle business combines several commercial activities, locations or responsibilities. The appropriate arrangement depends on the services, products, people and property involved.
Distributor insurance
For UK distributors representing bicycle or component manufacturers. The appropriate arrangement depends on the services, products, people and property involved. It may be useful where the bicycle business combines several commercial activities, locations or responsibilities.
Shop insurance
For bicycle retailers operating shops, showrooms and combined retail workshops. It may be useful where the bicycle business combines several commercial activities, locations or responsibilities. The appropriate arrangement depends on the services, products, people and property involved.
Equipment hire business insurance
For bicycle rental businesses and commercial hire fleets. The appropriate arrangement depends on the services, products, people and property involved. It may be useful where the bicycle business combines several commercial activities, locations or responsibilities.
Website and online business insurance
For ecommerce bicycle retailers, direct-to-consumer brands and online parts sellers. The appropriate arrangement depends on the services, products, people and property involved. It may be useful where the bicycle business combines several commercial activities, locations or responsibilities.
Working from home insurance
For home-based repairers, wheel builders, custom builders and online sellers. The appropriate arrangement depends on the services, products, people and property involved. It may be useful where the bicycle business combines several commercial activities, locations or responsibilities.
Product liability insurance
Relevant to manufacturers, importers, assemblers, refurbishers and businesses supplying bicycle products. The appropriate arrangement depends on the services, products, people and property involved. It may be useful where the bicycle business combines several commercial activities, locations or responsibilities.
Commercial combined insurance
For larger bicycle businesses combining premises, stock, contents, employees, liability and interruption risks. The appropriate arrangement depends on the services, products, people and property involved. It may be useful where the bicycle business combines several commercial activities, locations or responsibilities.
Related industry pages
Sports goods retailer insurance
For retailers selling bicycles alongside broader sporting and leisure equipment. Business activities, equipment, values and working locations should be described accurately. It provides related guidance for a connected cycling, retail, workshop, storage or service exposure.
BMX liability insurance
For BMX-related coaching, clubs and specialist cycling activities. Business activities, equipment, values and working locations should be described accurately. It provides related guidance for a connected cycling, retail, workshop, storage or service exposure.
Bicycle acts performers public liability insurance
For professional performers using bicycles within acts and demonstrations. It provides related guidance for a connected cycling, retail, workshop, storage or service exposure. Business activities, equipment, values and working locations should be described accurately.
Cycling act performance public liability insurance
For specialist cycling performances and public demonstrations. It provides related guidance for a connected cycling, retail, workshop, storage or service exposure. Business activities, equipment, values and working locations should be described accurately.
Courier public liability insurance
For courier operations including relevant cycle-based delivery businesses. It provides related guidance for a connected cycling, retail, workshop, storage or service exposure. Business activities, equipment, values and working locations should be described accurately.
Sportswear shop insurance
For retailers selling cycling clothing alongside wider sportswear. Business activities, equipment, values and working locations should be described accurately. It provides related guidance for a connected cycling, retail, workshop, storage or service exposure.
Leisurewear shop insurance
For retailers supplying casual and leisure clothing that can overlap with cycling ranges. It provides related guidance for a connected cycling, retail, workshop, storage or service exposure.
Warehouse insurance
For importers, distributors and ecommerce bike businesses operating warehouse premises. Business activities, equipment, values and working locations should be described accurately. It provides related guidance for a connected cycling, retail, workshop, storage or service exposure.
Business goods and stock in self storage
For commercial bicycles, components and accessories held in self-storage facilities. It provides related guidance for a connected cycling, retail, workshop, storage or service exposure. Business activities, equipment, values and working locations should be described accurately.
Goods in transit insurance
For bicycles, components and customer property transported as part of the business. It provides related guidance for a connected cycling, retail, workshop, storage or service exposure. Business activities, equipment, values and working locations should be described accurately.
Tools in van insurance
For mobile cycle mechanics carrying specialist repair tools between jobs. It provides related guidance for a connected cycling, retail, workshop, storage or service exposure. Business activities, equipment, values and working locations should be described accurately.
Home studio insurance
Potentially relevant to specialist home-based bike-fitting studios and similar appointment businesses. The specialist cycling, stock, storage, tool and retail pages used here are Business activities, equipment, values and working locations should be described accurately.
Other Quote Monkey pages
Coffee shop insurance
Commercial insurance information for cafés and specialist coffee businesses. Cover requirements depend on the operation, premises, stock, services and customers involved. This offers information for another specialist trade, retail, manufacturing or commercial business.
Delicatessen shop insurance
For delicatessens selling food and specialist products from retail premises. Cover requirements depend on the operation, premises, stock, services and customers involved. This offers information for another specialist trade, retail, manufacturing or commercial business.
Toy shop insurance
Commercial insurance information for independent and specialist toy retailers. This offers information for another specialist trade, retail, manufacturing or commercial business. Cover requirements depend on the operation, premises, stock, services and customers involved.
Picture framer and retailer insurance
For picture framers combining workshop activities, retail and customer property. Cover requirements depend on the operation, premises, stock, services and customers involved. This offers information for another specialist trade, retail, manufacturing or commercial business.
Photographic equipment repairs and retail insurance
For businesses repairing and selling cameras and photographic equipment. Cover requirements depend on the operation, premises, stock, services and customers involved. This offers information for another specialist trade, retail, manufacturing or commercial business.
Security and alarm company insurance
For security businesses combining equipment, installation, servicing and customer work. This offers information for another specialist trade, retail, manufacturing or commercial business. Cover requirements depend on the operation, premises, stock, services and customers involved.
Hat manufacturer and retailer insurance
For hat manufacturers, retailers and related online businesses. Cover requirements depend on the operation, premises, stock, services and customers involved. This offers information for another specialist trade, retail, manufacturing or commercial business.
Soft furnishing manufacturer and retailer insurance
For businesses manufacturing and selling soft furnishings. Cover requirements depend on the operation, premises, stock, services and customers involved. This offers information for another specialist trade, retail, manufacturing or commercial business.
Television repair shop insurance
For television repair businesses, workshops and related retail activities. This offers information for another specialist trade, retail, manufacturing or commercial business. Cover requirements depend on the operation, premises, stock, services and customers involved.
Washing machine laundry appliance repair and retail insurance
For appliance repair workshops, mobile engineers and retailers. Cover requirements depend on the operation, premises, stock, services and customers involved. This offers information for another specialist trade, retail, manufacturing or commercial business.
Forklift truck insurance
Specialist insurance information for commercial forklift trucks. This offers information for another specialist trade, retail, manufacturing or commercial business. Cover requirements depend on the operation, premises, stock, services and customers involved.
Commercial storage depot and yard insurance
For commercial businesses operating storage depots and yards. Cover requirements depend on the operation, premises, stock, services and customers involved. This offers information for another specialist trade, retail, manufacturing or commercial business.