Bike Shop Insurance in Canada
Trusted by 125+ bike shops across Canada
Your exclusive access to a program built to cover the risks faced by today’s modern bicycle retailer. Comprehensive coverage and group rates thanks to our nation-wide network.
This Coverage is Designed For
(OVERVIEW)
Built for Canadian businesses that sell, rent, service and support bikes — whether you run one location or a chain.
Bicycle and e-bike retailers
Independent retailers running one location or several, e-bike and e-mobility specialists, online retailers with a warehouse or showroom, and buying group and franchise members.
Service, repair and rental operations
Service-and-repair shops including mobile mechanics, plus rental and demo fleet operators — the businesses most exposed on customers’ bikes left in their care.
Shops that do more than sell bikes
Group rides, demo days, race support, coaching, tours, club programs and attached cafés. Also seasonal retailers switching between ski or board and bike, and new shops opening their first location.
What’s Covered
CGL — business liability
Business liability coverage tailored to your unique operations, including comprehensive e-bike solutions without the red tape.
Property coverage
Whether locations are leased or owned by your shop, we build recommendations to reduce risks and protect each store.
Business interruption
Providing you with the most robust protection for your bottom line if you are forced to close due to a loss.
Bailee — customers’ bikes in your care
$100,000+ benefit to protect your customers’ bikes while they are in your care for service or storage.
Off-premises risks
Group rides, demo days, local events, and property coverage while in transit.
Cyber
Protection for your POS, e-commerce and customer data if you’re hit by a breach, ransomware or a payment fraud attempt.
Standard and optional
- CGL, property, business interruption, bailee and off-premises are all standard in the program.
- Optional add-ons: rental fleets, pop-up shops and special events.
What’s not covered
- Gas-powered vehicles
- Employee health benefits
- Auto insurance
- Need one of these? We can still point you in the right direction — ask your broker.
How it works
Complete the online questionnaire
Review your options with a broker
Get covered — fast!
Why Bicycle Broker
- Specialists in cycling — not a general broker.
- A unique program built to protect your operations and their exposures.
- Canadian-focused coverage with group rates.
- Community involvement, promoting the growth of cycling.
- Licensed in BC, Alberta and Ontario, serving shops Canada-wide from one point of contact.
Ways to save
(BUNDLE OPTIONS)
Bundle your business lines
CGL, property, business interruption and cyber written together, under one broker and one renewal conversation.
01Flexible payment terms
Terms that work with a season, not against it — ask what is available before renewal.
02Join our Group Program
Buying power from shops grouped together across the country. It is the reason the rates work.
03Preferred rates on your other policies
Ask about preferred rates on your other business and personal policies once the shop is with us.
04Ready to get covered?
Takes about 10 minutes. No obligation.
Bike Shop Insurance FAQs
Still have a question?
Ask us anything about your shop, your stock or your service season. No obligation.
Does it cost money to have an insurance review?
No. Our team can analyze your current insurance program and make recommendations without fees or obligation to purchase.
Does it help with seasonal changes to stock limits?
Yes — 25% seasonal flex is built into our inventory coverages.
How can you offer better coverage and rates than my long-term broker?
Working with Canada’s largest domestic insurance carriers and grouping bike shops together across the country provides us with a competitive advantage that helps protect the cycling industry.
Do you work with startups and non-cycling operations?
Yes. We are here to help more operations looking to serve cyclists across Canada.
Can you help us navigate risks with non-domestic e-bike revenue?
Yes. Our team and underwriting partners bring expertise and offer solutions to help navigate the ever-changing e-bike landscape.
Are customers’ bikes covered while they’re in for service?
Yes. Bailee coverage of $100,000+ protects bikes left in your care for service or storage. Higher limits are available if you hold high-value inventory or run a busy service season.
Are we covered at group rides, demo days and off-site events?
Yes. Off-premises coverage extends to group rides, demo days and local events, and covers your property while it’s in transit. Larger one-off events can be added as a supplement.
Can we switch mid-term, or do we have to wait for renewal?
You can start a review at any time. Most shops switch at renewal to avoid cancellation charges, but if there’s a gap in your current coverage we’ll tell you and move sooner.
Still have a question?
Ask us anything about your shop, your stock or your service season. No obligation.