Retail & E-commerce

Bike Shop Insurance in Ontario

Sales floor and service bench, both covered.

Bike shops sell and service: product liability for what leaves the floor, workmanship liability for every brake bleed and carbon repair, and customers' bikes in your care worth thousands each.

We insure bike shops with service work and customer-goods coverage built in — plus rentals and e-bikes where declared.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Product liability for goods you make, sell, or distribute
Service and repair workmanship liability
Customers' goods / bailee coverage for client property in your care
Contents and stock coverage for inventory, furnishings, and supplies
Commercial crime coverage for theft and employee dishonesty

Good to know

Frequently asked questions

Am I covered if a repair I did fails on the road?: Yes — completed-operations liability responds to injury from failed service work; it's the coverage that distinguishes a shop policy from plain retail. Documented torque specs and service records are your defence inside it.
How much does bike shop insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get bike shop insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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Packages for other industries

Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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What the package includes

Commercial general liability (CGL) for third-party injury and property damage

Product liability for goods you make, sell, or distribute

Service and repair workmanship liability

Customers' goods / bailee coverage for client property in your care

Contents and stock coverage for inventory, furnishings, and supplies

Commercial crime coverage for theft and employee dishonesty

Frequently asked questions

Am I covered if a repair I did fails on the road?

Yes — completed-operations liability responds to injury from failed service work; it's the coverage that distinguishes a shop policy from plain retail. Documented torque specs and service records are your defence inside it.

How much does bike shop insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get bike shop insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.