Hi,
I'm looking to start a guided bike tour, I have got a quote for public liability insurance but was looking for some advice on some of the legal exposure I might have. The tour uses a mix of private property, dedicated bike paths and some public roads. I intend to rent the bikes myself from a local bike shop.
My main concern is if my customer on the tour (and I suppose my supervision) were to crash into a car and cause injury /damage on a public road what is the situation? I posed this to the insurance broker and he said the case would be between the cyclist and the car driver, depending who was at fault. While this sounds fine from my point of view, I still feel I might have a duty of care but as I hope to take groups of 15, I can't supervise everyone.
Also in the above situation and a customer was acting recklessly and did crash into a car but claimed the brakes on the bike weren't working etc. do I get the car driver to take it up with the bike shop I hired it from?
I'd be grateful of any feedback or other angles I haven't thought of as I want to move forward with my plans. Thanks in advance!
I'm looking to start a guided bike tour, I have got a quote for public liability insurance but was looking for some advice on some of the legal exposure I might have. The tour uses a mix of private property, dedicated bike paths and some public roads. I intend to rent the bikes myself from a local bike shop.
My main concern is if my customer on the tour (and I suppose my supervision) were to crash into a car and cause injury /damage on a public road what is the situation? I posed this to the insurance broker and he said the case would be between the cyclist and the car driver, depending who was at fault. While this sounds fine from my point of view, I still feel I might have a duty of care but as I hope to take groups of 15, I can't supervise everyone.
Also in the above situation and a customer was acting recklessly and did crash into a car but claimed the brakes on the bike weren't working etc. do I get the car driver to take it up with the bike shop I hired it from?
I'd be grateful of any feedback or other angles I haven't thought of as I want to move forward with my plans. Thanks in advance!