Originally Posted by jputnam

Having sold commercial insurance in the past, I've never encountered a policy that excluded premises liability for bicyclists in drive-thrus. Doesn't mean they don't exist, but I won't believe they do until someone actually provides a copy of a policy with such a restriction. "Insurance liability" is a convenient cover for any number of arbitrary business decisions that management doesn't want to take ownership of, and most customers are quite willing to blame some faceless insurance company.