Bicycle Touring & Cycling Insurance: Teams, Clubs, Races, Instructors

Our customizable cycling insurance plan is adjustable to fit the insurance needs of your athletes.

General Liability Insurance

  • High-limits from $1M to $6M
  • Affordable rates
  • Non-Owned and Hired Auto Liability

Accident Insurance

  • Reimburse medical bills
  • Limits up to $100k
  • Deductible options



Why do you need cycling insurance?

Cyclist practicing on gravel roads

There will always be risks associated with running a cycling club or event. However, you do not always have to be entirely liable for them. One of the best ways to help your organization get on the right track to success is by purchasing cycling insurance.

Without coverage, you may find yourself in financial dire straits if your organization is found liable for an accident that occurred at your event. Your obligation is to help prevent accidents as much as possible and mitigate your business liabilities. Therefore, a robust risk management strategy that includes a comprehensive cycling insurance policy is necessary for your operations.


What does cycling insurance cover?

Cycling insurance is needed for a cycling team, club, race, or instructor. It will help to serve as protection against incidents during your events. You will need this protection because the costs associated with the accidents that cause injuries could be costly. As a result, the unexpected expense from an injury claim could be financially detrimental to your business. Therefore, a comprehensive insurance policy is critical to help take the liability off of your business.

At Sadler Insurance, we offer customizable cycling insurance packages. With this, you can find the right coverage for your organization’s needs. We recommend a solid General Liability and Accident Insurance policy for cycling insurance coverage.

Adding a General Liability policy to your risk mitigation strategy could help protect you against:

  • Financial loss from costs associated with the lawsuit, including settlement costs, adverse jury verdicts, and legal fees
  • The financial obligation for payment of medical costs
  • Compensatory damages and pain and suffering

In addition, adding an Accident Insurance policy to your cycling insurance package can help:

  • Provide extra coverage for accident costs on top of the General Liability coverage
  • Provide peace of mind that you do not have to pay out of pocket for medical bills


Recent cycling lawsuits

The above lawsuit cases are not out of the ordinary as cycling is a sport with many risks. Therefore, you need to take preventative measures regarding your business’s risks. To prevent your losses from financially devastating situations, you need to take the preventative step of implementing a sound risk management program and comprehensive insurance. Whether you are a cycling organization’s owner or an instructor, insurance will be highly beneficial to limit your risks from similar situations.


Is cycling a high-risk sport?

Cyclist suffering from ankle pain after car accident on the road

Cycling, by nature, is a high risk sport. However, if the athlete follows protocol and protects themselves before their ride, the risks of cycling injury can be minimized.

Studies show that the most common injuries that cyclists experience are mild. For example, bikers can often experience knee pain from overuse. On the other hand, cyclists could also be put in severe danger when participating in the sport. For instance, it is not uncommon for cyclists to fall off their bikes or collide with other cyclists/objects. In the most severe cases, cyclists could experience a concussion, neck injuries, broken bones, numbness, or even death after a crash.

As an organization that hosts cycling clubs, tournaments, or other events, injuries to the players are very concerning. Although, there is no way to prevent every accident from happening. You will want to avoid them as much as you can. Therefore, it is crucial to create a plan that will help to limit the risk of injuries for the athletes.


Are there ways to prevent injuries and mitigate risk in cycling?

Implementing risk management practices into your organization’s routine is essential for your business. Your procedures could help prevent cyclists’ injuries and limit your negligence. The following are some risk management tactics your cycling organization can implement:

  • Whenever possible, create routes that take place on lesser-traveled roads. For example, using primarily clear roads can help bicycle riders avoid motor vehicle traffic.
  • Participants must obey all traffic laws, including riding to the right, stopping at stop signs, and using caution.
  • All participants must wear a bicycle helmet when riding a bicycle during the events.
  • Ensure that participants’ skills, physical condition, and preparation match the route conditions.
  • Postpone races or rides in extreme weather.
  • Organizations should always inspect and review a route before the ride.
  • Have everyone, including advanced riders, sign a liability waiver (adults and minors) to make them aware of the risks.


What is cycling?

Cycling is also known as bicycle touring. It is a sport where participants use bicycles to travel long distances, typically on flat land. Participants can enter a cycling race or tour recreationally. Like many other racing sports, the winner completes the route in the fastest time.

All routes utilize federal, state, county, or local roads that include motor vehicle traffic. Therefore, there is no specific track for the race. Instead, the bikers tour around on city roads, highways, terrain, or backroads. The activity can go on for days as the athlete travels across long distances.


What are the benefits of cycling?

Cycling athlete prepare for ride bicycle on street, road, with high speed for exercise hobby and competition in professional tour

Cycling is very beneficial for the health of athletes. Although it is an extremely physically demanding sport, it builds up the rider’s strength and endurance. It is mainly an aerobic activity as athletes cycle at fast speeds for long distances. However, it requires the use of multiple muscles in the body to push forward in steep areas on the route. The following will outline the benefits you should expect to receive if you participate in cycling:

Benefits of cycling:

  • Increase strength in major muscle groups as you pedal
  • Low impact exercise that limits the strain on joints
  • Increase in cardiovascular stamina and fitness
  • Good for bone health
  • Beneficial mental health effects


Request a quote to Sadler Insurance today!

With Sadler Insurance, you can customize your cycling insurance package to fit your organization’s needs. We have been helping to protect sports and recreational organizations, coaches, and instructors since 1946. We can offer you incredible rates with savings of up to 38%.

So, begin your journey to protect yourself and your business from financial harm by submitting a quote today.