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.
I suspect that phoney-baloney blame placed on imaginary "insurance liability" requirements also is the basis of most, if not all mandated helmet wear rules for adults on organized bicycle rides and tours.
Has anyone actually seen and read any business or personal insurance liability policy that required either prohibitions or requirements for [non competitive] bicycle use over and above that required by the law?