I've read some of the "search" on this but still have questions. Kind of a reality check. What do you have that would cover a liability issue if you damaged anothers property ($10000 Madone)while riding in a club or tour and it is ruled your fault. Also what about your $5000 new bicycle that is stolen or totaled? Even tho it is several years old, the replacement cost may be $7000.
Paranoid in SC.