Bike shop insurance designed to protect your business
ERGO NEXT Insurance is a one-stop shop to help you get the bike shop insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:
- General liability
- Commercial auto
- Workers’ compensation
- Commercial property
We’ll help you get the bike shop insurance coverage you need
It’s all about managing your risk. See the different policies available for bike shops and save up to 10% when you bundle two or more of our policies.
General Liability
Protection for the injuries, accidents and damage you cause
general liability can help you pay for:
Commercial Auto
For business owners who own or drive vehicles
commercial auto can help you pay for:
Workers' Compensation
For business owners who hire employees
workers compensation can help you pay for:
Commercial Property
For business owners who own or rent physical spaces
commercial property can help you pay for:
You can save up to 25% in discounts on bike shop insurance.
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
How much does bike shop insurance cost?
Bike shop insurance costs vary based on the risks that your business faces, such as:
- The types of activities or projects you work on
- Where your business is located
- Your payroll and the kinds of jobs your employees do
- The number and types of vehicles you use at work
You can save up to 25% in discounts on business insurance, depending on the kind of work you do. More risky professions can expect to pay more.
Bike shop insurance requirements
Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:
- Get a bike shop license in your state. It’s a good idea to check if you need a license in your state in order to get insurance.
- Start work on a project. Clients might ask you to have active insurance — usually general liability or workers’ comp.
- Hire employees. Most states require workers’ compensation insurance if you have employees.
- Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Frequently asked questions about bike shop business insurance
Here are some of the most common questions we get about bike shop business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
Does NEXT Insurance offer general liability coverage for bike shops?
Yes, NEXT Insurance offers general liability, commercial auto, workers' compensation and commercial property insurance coverage for bike shops.
Does NEXT Insurance offer commercial auto coverage for bike shop business?
Yes, NEXT Insurance offers commercial auto insurance, general liability, commercial property and workers' compensation insurance coverage for bike shops.