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Bike Shop Insurance
Compare insurance for bike shops
Tailored insurance for bike shops
Compare quotes from a panel of trusted providers
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for small businesses, like bike shops
Get cover to protect against claims from employees, customers & more
Get the protection you need with no needless extras
What is...
bike shop insurance?
Running a bike shop is about more than just sales and repairs — it’s about helping customers find their ideal ride, keeping their bikes in top condition, and making cycling accessible and enjoyable.
Bike shop insurance is designed to protect your business from the unexpected, whether it’s an accident involving a member of staff, product issues or theft.
With the right insurance, you’ll have peace of mind knowing your shop, inventory and staff are covered if something goes wrong.
What type of bike shops need insurance?
Whether you run a small bike shop on the high street, an online retailer, or a trusty repair shop, bike shop insurance can help keep you secure — any business involved with bikes can benefit from the right type of cover!
What does bike shop insurance cover?
Policies vary per provider and limits and exclusions apply. Always refer to your policy wording for details about what is and isn’t covered and speak to your insurer if you have specific questions. Your package could include:
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Public liability insurance
In case you injure someone or damage something while providing your services
Product liability insurance
In case a product you have sold, manufactured, or designed injures someone or damages something
Business Interruption Insurance
Covers lost income if your commercial property has to close due to material damage
Find out why your business needs insurance from Les, our Business Comparison Expert.
How much does bike shop insurance cost?
Because all bike businesses are different, it’s difficult to give a solid figure for what you’ll be paying for this insurance without speaking to a broker but it could be from £1 a day. *
*Cheapest 10% of shops policies in 2024 had premiums of £22.83 per month. £273.94 p.a. and so less than £1 x 365.
But your business is unique, and price depends on a number of factors, including:
- Extent of cover — The more cover you opt for, the more expensive your package will likely be.
- Your insurer — Depending on who is willing to insure you, the price for their policies will vary.
- Location — The location of your business is taken into consideration when calculating the cost of your premiums.
- Claims history — If you’ve made a claim on your policy or had claims made against you, it may affect your future premiums.
Bike shop insurance can help cover you against unexpected incidents, from property damage to customer liability claims, so you can focus on keeping your wheels in motion.
James Barwell, Insurance Director
Are bicycle mechanics and repair shops covered?
Yes, bicycle mechanics and repair shops can definitely get coverage, but it depends on whether they operate from a fixed garage or offer mobile services. If you own a repair garage, you’d need property and liability insurance, while mobile services would also require coverage for goods in transit.
It’s always best to check with your insurer to make sure you have the right protection!
Get bike shop insurance sorted with Bionic
At Bionic, we’re all about helping UK business owners get the right cover without hassle. Our knowledgeable insurance brokers and smart comparison tools make it easy to find tailored policies for your bike shop.
Get in touch today by starting a quote with us online or speak to our team for guidance on finding cover that’s right for you.
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
Bike Shop Insurance FAQs
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