insurance

I am in the very early stages of planning a tour guide company that offers themed tours throughout NYC. Any lawyers or insurance people out there? Any idea what kind of insurance I'd need. I'll have a fleet of 15-20 bikes, everyone wearing helmets and operating mainly in Brooklyn and Manhattan.

Thanks!

You are going to have to contact a local insurance broker in your area. The property coverage, the coverage for the bicycles, won't be big problem however the liability exposure of taking people on a bicycle tour of a busy, major metropolitan city is HUGE. No standard insurer is going to look at this (forget State Farm), so you're going to need the services of an insurance broker.

Talk to your local State Farm agent about the requirements for starting a Business Liability policy. You can have your bikes insured through them if you let them know how you are going to be using the bikes, how many there are, and how much they cost (each one). From there, someone will walk you through the rest of it.

Just be ready and have some paperwork ready. Most insurance companies get very picky about exactly how and why you'll be using your equipment.

Hope this helps!

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