We cover all types of bicycle retailers including traditional bike shops, specialist cycling stores, combined sales and service operations, online retailers with physical premises, electric bike specialists, and mobile bicycle repair services.

Bicycle shop insurance addresses unique risks like high-value stock theft, seasonal trading fluctuations, repair liability, product liability for safety-critical items, and specialized equipment coverage that standard retail policies often exclude or inadequately cover.

Costs vary based on factors like stock value, premises location, security measures, services offered, and claims history. Typically ranges from £800-£3,000 annually for small to medium shops, with larger operations potentially paying more.

Yes, our policies specifically cover electric bikes and e-bike components. We understand the higher values involved and can provide appropriate coverage limits for premium electric bicycle stock, including batteries and charging equipment.

Our public liability coverage protects against customer injuries during test rides. This includes medical costs, compensation claims, and legal defense costs. We recommend proper safety briefings and helmet provision to minimize risks.

Yes, our goods in transit coverage protects bicycles during delivery to customers. This includes theft, damage, and loss during transportation, whether you use your own vehicles or third-party couriers.

We can extend coverage to include mobile repair operations, covering tools and equipment in transit, public liability at customer locations, and professional indemnity for repair work performed off-site.

Yes, we offer flexible stock coverage that can be adjusted seasonally. This means you're not over-insured during quiet winter months or under-protected during peak spring and summer trading periods.

Requirements vary but typically include approved locks, alarm systems, security lighting, and secure storage for high-value stock. We'll discuss specific requirements during your risk assessment and help you meet them cost-effectively.

Yes, our policies include coverage for workshop tools, diagnostic equipment, bike stands, and specialized repair tools. This includes theft, damage, and breakdown coverage for essential business equipment.

Our professional indemnity coverage protects against claims arising from faulty repairs or poor workmanship. This includes legal defense costs and compensation payments if your repair work leads to accidents or injuries.

Yes, our cyber liability coverage protects against data breaches, system failures, and online fraud. This is essential for shops with online sales platforms or customer databases.

All bicycle-related stock is covered, including helmets, clothing, components, accessories, and maintenance products. Coverage extends to product liability for all items sold through your shop.

Yes, we can arrange temporary coverage for trade shows, cycling events, and exhibitions. This includes stock in transit, display equipment, and public liability at event locations.

Our business interruption coverage provides income protection if your shop is forced to close due to insured damage. This includes lost profits, ongoing expenses, and additional costs of alternative trading arrangements.

Common exclusions include wear and tear, gradual deterioration, and damage from poor maintenance. We'll explain all exclusions clearly and help you understand what's covered and what isn't.

Simple claims can often be settled within days, while complex claims may take longer. We provide dedicated claims support to ensure your claim progresses as quickly as possible and you can resume trading.

Yes, policies can be adjusted for significant changes like new premises, increased stock levels, or additional services. We'll help you modify coverage to reflect your evolving business needs.

We'll need details about your premises, stock values, services offered, security measures, previous claims history, and annual turnover. Our team will guide you through the information required.

Yes, we can arrange comprehensive coverage for multiple locations under a single policy. This often provides cost savings and simplified administration for bicycle shop chains or franchises.

We offer practical advice on security improvements, staff training, customer safety measures, and loss prevention strategies. This helps reduce your risk profile and potentially lower your insurance premiums.

Contact our claims team immediately on 0330 127 2333. We'll guide you through the process, arrange emergency support if needed, and ensure your claim is handled efficiently to minimize business disruption.

You can start the process online through our website or call our specialist team directly. Given the specialized nature of bicycle shop insurance, we often recommend speaking with our experts to ensure comprehensive coverage.

Our deep understanding of the cycling industry, relationships with specialist insurers, tailored policy options, and ongoing support throughout the policy term. We're not just brokers - we're partners in protecting your business.

We cover bicycle shops of all sizes, from small independent retailers to large chains. Our flexible approach means we can tailor coverage to suit businesses with annual turnovers from £50,000 to several million pounds.

While electric bikes can be covered under standard bicycle shop insurance, they require higher coverage limits due to their value and specific risks like battery fires. We recommend discussing e-bike specific coverage including battery storage, charging station liability, and higher stock values.

Repair-only shops need professional indemnity, public liability, employers liability, tools coverage, and business premises insurance. The focus shifts from stock protection to workshop liability and professional indemnity for repair work quality.

Most bicycle shops require £2-6 million public liability coverage. Higher limits may be needed for shops offering test rides, workshop services, or operating in high-footfall locations. Some commercial leases mandate minimum coverage levels.

Coverage depends on your policy terms and security measures. Bikes displayed outside typically require additional security provisions like chains, locks, or supervised areas. We can arrange coverage for external displays with appropriate security requirements.

Business interruption covers lost profits, ongoing expenses like rent and salaries, additional costs of temporary premises, and loss of seasonal trading opportunities. Essential for bicycle shops due to seasonal trading patterns and weather dependency.

Yes, professional indemnity insurance is essential for bike fitting services. This covers claims if incorrect fitting leads to injuries or discomfort. Public liability also covers accidents during fitting sessions in your premises.

Second-hand bike sales require product liability coverage for safety issues, professional indemnity for condition assessments, and stock coverage for theft. Additional considerations include provenance verification and condition disclosure requirements.

Rental operations need specialized coverage including hire fleet insurance, public liability for rental customers, professional indemnity for safety advice, and coverage for bikes while on hire. This differs significantly from standard retail insurance.

Carbon fiber repairs require specialized skills and create higher liability risks. Professional indemnity coverage is essential, and some insurers may require proof of specialized training or certification for carbon fiber work.

Employers liability insurance is legally required for staff. This covers workplace injuries, occupational diseases, and safety-related claims. Workshop-specific risks include cuts, chemical exposure, and repetitive strain injuries from bike repairs.

Online sales add cyber liability risks, goods in transit coverage needs, and extended geographical public liability. You'll also need coverage for online payment processing, customer data protection, and distance selling regulations compliance.

Wheel building requires professional indemnity for build quality, public liability for wheel failures, and coverage for specialized tools and equipment. Consider higher coverage limits due to safety-critical nature of wheel construction.

Custom builds need enhanced professional indemnity coverage, product liability for completed bikes, and coverage for customer-supplied components. Higher coverage limits are recommended due to the bespoke nature and higher values involved.

Bicycle shop insurance addresses specific risks like high-value portable stock, seasonal trading, technical repair liability, safety-critical product sales, and cycling industry regulations that general retail policies don't adequately cover.

Franchise operations may have group insurance arrangements or require specific coverage levels. We can work with franchise requirements while ensuring adequate local coverage for your specific location and operations.

Training services require professional indemnity for instruction quality, public liability for student injuries, and coverage for training equipment. Consider higher limits if issuing certificates or qualifications.

Daytime theft coverage depends on your policy terms and security measures. Most policies cover theft during business hours but may require specific security provisions like CCTV, alarms, or staff supervision requirements.

Delivery services need goods in transit coverage, commercial vehicle insurance, and extended public liability. Coverage should include bikes being delivered, collected for service, or returned after repairs.

Weather can cause premises damage, stock damage from flooding, and business interruption from reduced footfall. Seasonal weather patterns also affect trading, which our flexible business interruption coverage accounts for.

Accessories and clothing require product liability coverage, stock protection, and potentially professional indemnity for fitting advice. Safety equipment like helmets may require higher coverage due to safety implications.

Suspension work requires specialized professional indemnity coverage due to safety implications. Some insurers may require proof of manufacturer training or certification for suspension servicing, especially for high-end mountain bike components.

Legal expenses cover employment disputes, contract disagreements, regulatory investigations, debt recovery, and defense of legal proceedings. Essential for dealing with supplier disputes, customer claims, and regulatory compliance issues.

Partnerships may extend your liability exposure to club events, group rides, or maintenance services. Ensure your public liability covers these activities and consider additional coverage for sponsored events or club partnerships.

Vintage bikes require specialized valuation methods, higher coverage limits, and potentially agreed value coverage. Professional indemnity is important for authenticity assessments and restoration advice.

Environmental coverage may be needed for shops handling oils, degreasers, and cleaning chemicals. This covers pollution incidents, cleanup costs, and third-party environmental damage claims from chemical storage or disposal.