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Liability insurance

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Old 05-16-18, 09:22 AM
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salcedo
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Liability insurance

Do any of you have any?

I became curious about it and tried to do some research online. I couldn't even find a major company providing liability insurance for cyclists in Ontario.
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Old 05-16-18, 09:27 AM
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MoAlpha
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I carry an "umbrella" policy for personal liability. It's not expensive and anyone with significant assets needs one.
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Old 05-16-18, 09:35 AM
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Our Homeowners insurance covers liability for most possibilities other than motor vehicle crashes or intentional acts. It does cover liability for bicycling crashes. But insurance policies differ by country and state/province.
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Old 05-16-18, 12:30 PM
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Stormsedge
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An "umbrella" policy is the way to go.
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Old 05-16-18, 02:47 PM
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I think the risk is so low...that a normal person would be just wasting money.

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Old 05-16-18, 04:07 PM
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welshTerrier2
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The League of American Bicyclists offers its members (bike clubs only?) a national insurance program that is really good and very inexpensive. You can read more about it here: https://appsrv4.amerspec.com/dbweb/f?p=144:2::::::

I have no idea whether they would accept individuals but it might be worth contacting them.
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Old 05-16-18, 04:18 PM
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Oneder
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Best insurance policy, don't speed on the sidewalk or mup.
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Old 05-16-18, 04:30 PM
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Originally Posted by mtb_addict View Post
I think the risk is so low...that a normal person would be just wasting money.
The risk is indeed low which is why it's normally included at no extra cost as part of either homeowners or renters insurance. If you have either of these check with your agent to see if you're already covered and to what amount. An umbrella policy would extend the coverage limits but usually requires that you already have auto and home coverage from the same company with high limits.
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