As a bike commuter and XC/road cyclist, I ride about 16,000km/year, both urban and rural. And having seen cyclists hurt in accidents and many that have caused accidents, I now carry liability insurance...a basic $2 million umbrella policy that covers the family in all circumstances...auto, home, bike, boat, etc. as well as loss of income protection.
Anybody else do this?...if you run into a pedestrian, dent a car, hurt somebody on the trails, or cause property damage, are you covered? If not, any chance of being hurt financially if faced with litigation?
Perhaps it's just me, but I'm curious what others do.