In today’s podcast, Richard discusses the issues of a blog article on the 911 Law website. Richard L. Duquette will discuss Bicycle Club Risk Management. The intent of this podcast is to protect the viability of our organizing groups.
Risks of the Ride
Some motorists complain that bicyclists aggressively exercising their vehicular rights to “take the lane”. This type of behavior can lead to a contentious relationship between bicyclists and motorists that share the same road.
Sometimes ride leaders are inexperienced and that can lead to accidents. Group leaders beware. Even if there is evidence of no prior accident, it’s considered inadmissible to show that no dangerous condition existed.
Inherent Risks
Many clubs and management will claim bicycling has inherent risks. This defense is often applied in court but it relies upon the underlying facts. It’s contingent upon the unpredictable jury case process. What if your 12 jurors are not bicyclist friendly?
Manage the Risks
Each club should form a corporation or an LLC to protect its officers and directors from personal liability. Each club should also be properly funded and organized so the corporate veil is not pierced.
Each club or sponsor should carry general liability insurance of 5 million with coverage extending to officers and directors with each named. This is especially important for race sponsors.
To hear more about Bicycle Club Risk Management, download and listen to the entire episode.
If you are short on time, here are the highlights of Bicycle Club Risk Management:
12 Angry Men? (6:00)
Why insure your club? (9:38)
Importance of waivers? (10:00)
Easiest way to manage risk? (10:15)
Selecting a group leader? (13:15)
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