Club Insurance Overview -Portland Bicycling Club

Club Insurance Overview

The club carries three types of insurance: a general liability policy; a directors and officers (D&O) liability policy; and an excess accident medical policy.

The general liability policy protects the club from liability claims of bodily injury, property damage and personal injury. It covers: Club Rides (recreational rides for which no fee is charged), Special Events (rides for which a participation fee is charged, e.g. Pioneer); and Bicycle Related Activities (club meetings and fundraisers). There is a limit for coverage of $1,000,000 for a single occurrence, with a general aggregate of $5,000,000. Regardless of whether or not the ride participants are club members or not, the club is covered.

The D&O insurance can be thought of as malpractice insurance for the organization and those who manage the club. It provides coverage for legal costs, judgments and settlements for allegations of wrongful acts, errors, and omissions. Similar to the general liability policy, the coverage limit is $1,000,000.

Of most interest to all club members is the excess accident medical policy. This insurance kicks in after the injured rider’s own medical insurance is exhausted and covers expenses related to the accident (such as doctors’ and hospital bills, deductibles, co-pays, etc.). This insurance is available to all club members and to non club members who are on their first ride with the club. Non club members participating in club rides are not covered after their initial ride. There is a $10,000 limit per person per accident on this policy.

Please note that when you sign in for a club ride, you are signing a waiver that absolves the club of any responsibility for what happens to you or your bike. From the waiver: “… under no circumstance will a claim be made … I acknowledge that cycling is a dangerous sport … I will ride safely, legally and courteously …” Basically, you are taking full responsibility for yourself and the results of your actions.

If a minor is participating in the ride, then that person is also covered as long as the minor’s legal guardian signs for him/her. Otherwise, the minor cannot participate in the ride.

Feel free to ask any board member if you have additional questions.