Bike Shop

Save up to 30% on your business insurance

Pedal your way to peace of mind with Coverage Cowboy Insurance!

Welcome to Coverage Cowboy, where we specialize in providing insurance solutions for bike shop owners like you. We understand the unique challenges of your business and offer a range of tailored insurance policies to safeguard your store and inventory.

From liability coverage to property protection, our experienced agents will work with you to create a bike shop insurance policy that keeps your business rolling smoothly. Trust Coverage Cowboy to keep you on the right path to success.
  • General Liability
  • Workers' Compensation
  • Commercial Auto
  • Commercial Property

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Bike Shop businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

A bike shop needs general liability insurance to protect itself from unexpected accidents. For example, if a customer slips on a wet floor and gets injured, this insurance helps cover medical expenses and potential legal fees. By having general liability insurance, bike shop owners can focus on their passion for cycling without worrying about costly mishaps.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is essential for bike shops that use vehicles to transport bikes or offer delivery services. This coverage protects your business from financial losses if an accident occurs, like if your delivery van accidentally bumps into a customer’s car while dropping off a bike. With commercial auto insurance, your bike shop can confidently hit the road, knowing you’re safeguarded against unexpected incidents.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance is crucial for bike shops because it protects both the employees and the business. For example, if a mechanic gets injured while fixing a bike, this insurance covers their medical expenses and lost wages. Having workers’ compensation in place ensures that your bike shop can continue running smoothly while providing a safe environment for your team.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

A bike shop needs commercial property insurance to protect its valuable assets, like bicycles, tools, and equipment. For example, if a fire damages the store or a break-in occurs, this insurance helps cover the repair or replacement costs. This way, the bike shop can bounce back quickly and keep serving its customers without facing financial setbacks.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Bike Shop business insurance

How does business insurance benefit Bike Shops?

Business insurance benefits bike shops in several ways, providing essential protection for various risks that may arise:

  • Property coverage: Covers damage to your building, inventory, and equipment caused by events like fire, theft, or natural disasters.
  • Liability coverage: Protects you from financial losses due to third-party claims, such as customer injuries or property damage caused by your products or services.
  • Workers’ compensation: Covers medical expenses and lost wages for employees who are injured on the job.
  • Business interruption: Helps replace lost income if your bike shop is unable to operate due to a covered event, like a fire or natural disaster.

By investing in business insurance, bike shop owners can safeguard their assets, reputation, and financial stability, ensuring a more secure future for their business.

What do I need to get an insurance quote?

To get an insurance quote for your bike shop, simply gather the following information:

  • Your shop’s name and contact details
  • Physical location and size of your store
  • Estimated annual revenue and payroll
  • Number of employees
  • Inventory details (e.g., types of bikes, accessories, and equipment)
  • Additional services offered (e.g., bike repair, rentals)

With this information in hand, you’re all set to request a personalized insurance quote for your bike shop. Our Coverage Cowboy team is here to help you find the perfect coverage at a competitive price!

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


Want to chat?

We're here to help

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.