Cover for all business types
Bicycles are valuable, complex and often customised and so is the work you do. Whether you’re running a local bike shop, offering repairs and servicing, or building high-end custom bikes, you need insurance that reflects the hands-on risks involved.
Bike shop insurance helps protect your business against theft, accidental damage, liability claims and unexpected disruptions. It’s designed to cover everything from customer injuries and tool theft to fire damage or business closure after an incident. If you store expensive stock, work on customer bikes or offer test rides, your cover needs to account for it.
Insurance that fits the way your shop runs
Our trusted insurance partners will take the time to understand how your shop operates. That includes whether you’re open to the public, run a repair workshop, offer e-bike servicing or take payments through multiple channels. You’ll speak to someone who can walk you through the options, answer your questions and help you make a confident choice.
They compare quotes from respected UK insurers and can access policies that aren’t usually available through online quote tools. That means more flexibility, better alignment with your setup and less risk of gaps or overlaps in your cover.
You get tailored support, not just a price.
What bike shop insurance can cover
Every bike shop is different, but your policy can include:
- Public liability insurance to cover accidents or injuries involving customers
- Employers’ liability insurance if you have staff
- Cover for bikes, tools, workshop equipment and parts
- Stock insurance for new and second-hand cycles, accessories and clothing
- Business interruption cover if your premises are damaged and you can’t trade
- Money cover for cash stored on the premises
- Goods in transit cover for collections, deliveries or event transport
If you let customers test bikes, store bikes on behalf of clients or run community workshops, that can also be reflected in your policy.
Suitable for all kinds of cycle businesses
Bike shop insurance is flexible enough to support:
- High street cycle retailers
- Repair and servicing workshops
- Custom builders and frame specialists
- E-bike and electric scooter sellers
- Mountain bike and road bike suppliers
- Hybrid bricks-and-mortar and online operations
Whether you trade from a small retail unit or operate across multiple locations, cover can be arranged around your structure and risks.
Speak to someone who can guide you
It’s not always obvious what’s included in a policy or where exclusions apply, especially when you’re juggling customer bikes, deliveries and equipment that’s not easy to replace.
That’s why speaking to someone before you buy can make all the difference. Our insurance partners will help you understand your options and ensure your cover matches the way you work, not just the label on your shop front.
You’ll also know who to turn to if you ever need to make a claim.
Bike Shop Insurance FAQs
Can I insure bikes that belong to customers?
Yes. Let the advisor know you store or work on customer bikes. The policy can include liability and protection for bikes in your care.
Do I need cover if I only do servicing and repairs?
Yes. Workshop risks, tool damage, customer claims and liability issues still apply, even if you don’t sell new stock.
What if I run a mobile repair service?
Your policy can include goods in transit and tool cover for mobile servicing. Just be sure to explain how you operate.
Are electric bikes and scooters included?
They can be. You’ll need to disclose these products specifically, and your insurer can include them as part of your contents and stock.
Is employer’s liability required if I have a Saturday assistant?
Yes. Even part-time or casual staff must be covered by law under employer’s liability insurance.
Can I cover events or community bike clinics?
Yes. Public liability can extend to pop-ups, events and off-site activities, as long as they’re declared when you arrange the policy.
