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Insurance
Acquiring Insurance is not a fun thing, especially if you start looking in the wrong places.
Places to start looking
The chances of finding an insurance company that is familiar with community bicycle organizations are slim, so finding one that is familiar with nonprofits in general is the better approach. Ask other local nonprofits who they use too.
Nonprofit Associations
Assuming your organization is a non-profit, you have certain resources at your disposal. One such resource is the National Council of Nonprofit Associations which different state-level Nonprofit Associations belong too. Ask them who they would recommend.
League of American Bicyclists
The LAB offers a discounted insurance program through American Specialty. A group must be an LAB member to get the discounted rate. Rates are based on your number of "members" (students and shop users, in our case) and cover regular activities only; extra coverage may be obtained for special outside-the-shop events and races on a fee-for-event basis.
Alliance of Nonprofits for Insurance
The Alliance of Nonprofits for Insurance, Risk Retention Group (ANI-RRG) is a 501(c)(3) tax-exempt nonprofit insurance company whose mission is to be a stable source of reasonably priced liability insurance for 501(c)(3) nonprofits.
What to Cover
Liability
At least a million dollars in coverage.
Child Molestation Coverage
Does your organization work with kids? If so you need child molestation coverage. Sounds horrible, but the act of one rogue volunteer can sink your organization. This coverage also mandates that you do background checks on anyone that comes in contact with children in your organization.
Board of Directors Insurance
If members of your board own things like trust funds, houses, or are married to people with those things they need to be protected by board insurance. Without it, make sure your board of directors doesn't own anything of value. However if you decide to get this type of insurance CPAs, Lawyers, and other useful professionals feel safer being involved.