{"id":19838,"date":"2025-05-07T15:25:31","date_gmt":"2025-05-07T19:25:31","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/bike-shop-insurance-quick-comparator\/"},"modified":"2026-05-07T16:14:14","modified_gmt":"2026-05-07T20:14:14","slug":"bike-shop-insurance-quick-comparator","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/bike-shop-insurance-quick-comparator\/","title":{"rendered":"Bike shop insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360 \u2014 Assurance boutique de v\u00e9lo\", \"description\": \"Assurance boutique de v\u00e9lo au Qu\u00e9bec : inventaire, r\u00e9paration, RC clients, e-commerce. D\u00e8s 1 500 $\/an. Soumission en 2 min. 1-866-357-4451.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-boutique-de-velo\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Qu\u00e9bec, Canada\"}}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">BIKE SHOP<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Insurance-for-bike-shops-and-workshops-in-Quebec\"><\/span>Insurance for bike shops and workshops in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">Selling, renting, repairing, electric bikes: a bike shop has specific risks. Protect your high-end inventory, your shop and your customers with a <strong>suitable commercial font<\/strong>. <\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1200px;margin:0 auto 40px;padding:0 24px;\">\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Starting at $1,500<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Annual premium<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">$2M to $5M<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">RC Limits<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Certified brokers<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">48 h<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Rapid Attestation<\/div>\n  <\/div>\n<\/div>\n\n<p>The bicycle industry in Quebec has exploded since 2020 with the massive arrival of <strong>electric bicycles (e-bikes),<\/strong> high-end gravel bikes and rental services. A typical bike shop combines: sale of new bikes ($4,000 to $15,000 each), repair shop, rental service, sometimes used bikes, and e-commerce. The risks: theft (very high), lithium-ion fire (e-bike), liability for poorly executed repairs, injuries during testing, damage to customers&#8217; bicycles left for repair.  <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-boutique-velo.jpg\" alt=\"Bike shop \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Insurance-for-bike-shops\"><\/span>Insurance for bike shops<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\"><strong>Bike shops<\/strong> have a high inventory ($5,000-15,000\/electric bike) with specific risks: night theft, mechanical workshop claims, product liability (defective braking).<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>E-bikes:<\/strong> cost and complexity amounts \u2014 insure the high-voltage battery separately. Many Quebec insurers require an in-store alarm system\/cameras. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-essential-protections-for-a-bike-shop\"><\/span>The 6 essential protections for a bike shop<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;max-width:1200px;margin:24px auto;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Bike and parts inventory<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Stock of new bikes, electric bikes, parts and accessories. Replacement value. VAEs require a specific declaration.  <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Customers&#8217; bikes in the workshop<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Third-party property during repair, storage, transportation. &#8220;bailee&#8217;s customer goods&#8221; amendment. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Commercial and workshop liability<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Injuries during testing, falls in stores, damage caused by a defective repair.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Theft and vandalism<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Bicycles on display, storage, targeted display cases. Deductible $1,000 to $5,000 depending on the value of the inventory. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Fire (lithium risk)<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">E-bike batteries pose a risk of thermal runaway. Some insurers require an insulated charging room. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Cyber and e-commerce<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Online sales, appointment management, payment. Fraud and data leakage protection. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:40px auto;max-width:1200px;color:#ffffff;\">\n  <h3 style=\"color:#10c4c7;font-size:1.3rem;margin:0 0 16px;\">\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p style=\"color:#e2e8f0;font-size:1rem;line-height:1.7;margin:0;\"><strong>E-bikes and their lithium-ion batteries<\/strong> change the risk profile of a shop. A battery fire can destroy an entire business in 10 minutes. Insurers are increasingly demanding: ventilated and insulated charging room, class D or lithium fire extinguisher nearby, no charging outside working hours, smoke detectors at each station. Document these measures \u2014 they can reduce the premium by 15 to 25 per cent.   <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"faq\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:0 auto 40px;\">\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">How much does bike shop insurance cost?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Between $1,500 and $6,000 per year for a 100 to 400 m\u00b2 store with a workshop. The price depends on the volume of e-bikes (more expensive), the presence of rentals, the turnover and the average value of the stock. High-end shops (performance cycling) pay more.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are customer bikes left for repair covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via the <strong>&#8220;bailee&#8217;s customer goods&#8221;<\/strong> or &#8220;care, custody &#038; control&#8221; endorsement. Covers damage or theft of bicycles while they are in your care. Typical limit $25,000 to $100,000. Document each reception with photos and signatures.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">A customer is injured while trying on a bike \u2014 am I responsible?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, potentially. Your <strong>commercial liability covers<\/strong> injuries during on-site testing. For open (road, track) testing, have a waiver signed and verify that coverage extends to off-premises testing. Usual limits: $2 million to $5 million.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">A defective repair causes an accident to a customer \u2014 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via your <strong>products and services liability (&#8220;completed operations&#8221;).<\/strong> Covers claims following a repair, defective brake installation, insufficient application. Systematically document repairs (customer file, photos).  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are e-bikes a fire hazard?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes. <strong>Lithium-ion batteries<\/strong> can suffer from thermal runaway (overheating, shock, manufacturing defect). Insurers are increasingly demanding: ventilated charging room, distance from combustible materials, suitable fire extinguishers, no charging at night. Respect = reduced premium.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Is my bike rental covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>Renting to customers<\/strong> requires a specific amendment. Covers: damage to rented bicycles, renter&#8217;s RC, recovery in case of non-return. The customer must sign a detailed rental agreement. Additional cost: $500 to $1,500\/year depending on the fleet.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are my e-commerce site and online payments protected?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Via <strong>e-commerce cyber insurance<\/strong> ($400 to $1,500\/year). Protects against transactional fraud, merchant account hacking, customer data leakage. Essential if you sell online.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are bicycle thefts from windows or outdoor parking covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">The bicycles in the <strong>window<\/strong> are covered during opening hours; <strong>Burglary<\/strong> outside working hours is covered if the window is secure (grille, anti-burglary glass). Bicycles displayed on the sidewalk or outdoors require an &#8220;outside&#8221; endorsement. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are the cycling races or events I sponsor covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>Event sponsorship<\/strong> requires an event sponsorship endorsement. Covers your RC during the event, damage to loaner bikes, and brand display. Ask for a certificate of liability from the organizer before sponsoring.  <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bike-shops-throughout-Quebec\"><\/span>Bike shops throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:28px;margin:24px auto 40px;max-width:1200px;\">\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0 0 12px;\">Assur360 supports businesses throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>. From road bike shops in Montreal to mountain bike shops in the Eastern Townships, from e-bike specialists in the suburbs to workshops in Quebec City and Gatineau: our brokers know the specific issues of each type of cycling clientele. <\/p>\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0;\">100% online quote, free of charge, with comparison of several Canadian insurers.<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional-Coverage-to-Consider\"><\/span>Additional Coverage to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;max-width:1200px;margin:24px auto;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/retail-insurance-online-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Retail Insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">General Contractor Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-entreprise-de-garage-mecanique\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Mechanical workshop insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/cyber-insurance-for-businesses-in-quebec-protect-your-data-2026\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">E-commerce insurance<\/div>\n  <\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Official references<\/h3>\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.velo.qc.ca\/\" rel=\"nofollow noopener\" target=\"_blank\">V\u00e9lo Qu\u00e9bec<\/a><\/li>\n<li><a href=\"https:\/\/tc.canada.ca\/fr\/transport-route\/vehicules-moteur\/bicyclettes-assistees-moteur-electrique\" rel=\"nofollow noopener\" target=\"_blank\">Transport Canada \u2014 eBikes<\/a><\/li>\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers<\/a><\/li><\/ul>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px auto;max-width:1200px;\">\n  <h3 style=\"color:#0d1f2d;font-size:1.15rem;margin:0 0 16px;\">\ud83d\udee1 Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">AMF<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Certified brokers<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">ChAD<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Insurance Chamber<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">100K+<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Submissions processed<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto 40px;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Get-your-free-quote\"><\/span>Get your free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">Our AMF-certified brokers compare several insurers to find you the best coverage.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance pour boutique de v\u00e9lo ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Entre 1 500 $ et 6 000 $ par ann\u00e9e pour une boutique de 100 \u00e0 400 m\u00b2 avec atelier. Le prix d\u00e9pend du volume de VAE (plus cher), de la pr\u00e9sence de location, du chiffre d'affaires et de la valeur moyenne du stock. Les boutiques haut de gamme (cyclisme de performance) paient davantage.\"}}, {\"@type\": \"Question\", \"name\": \"Les v\u00e9los de clients laiss\u00e9s en r\u00e9paration sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via l'avenant <strong>\u00ab bailee's customer goods \u00bb ou \u00ab care, custody & control \u00bb. Couvre les dommages ou le vol des v\u00e9los pendant qu'ils sont sous votre garde. Limite typique 25 000 $ \u00e0 100 000 $. Documentez chaque r\u00e9ception avec photos et signatures.\"}}, {\"@type\": \"Question\", \"name\": \"Un client se blesse en essayant un v\u00e9lo \u2014 suis-je responsable ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, potentiellement. Votre <\/strong><strong>RC commerciale couvre les blessures lors d'essais sur place. Pour les essais en milieu ouvert (route, piste), faites signer une d\u00e9charge et v\u00e9rifiez que la couverture s'\u00e9tend aux essais hors local. Limites usuelles : 2 M$ \u00e0 5 M$.\"}}, {\"@type\": \"Question\", \"name\": \"Une r\u00e9paration d\u00e9fectueuse cause un accident \u00e0 un client \u2014 couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via votre <\/strong><strong>RC produits et services (\u00ab completed operations \u00bb). Couvre les r\u00e9clamations suite \u00e0 une r\u00e9paration, une pose de freins d\u00e9fectueuse, un serrage insuffisant. Documentez syst\u00e9matiquement les r\u00e9parations (fiche client, photos).\"}}, {\"@type\": \"Question\", \"name\": \"Les v\u00e9los \u00e9lectriques pr\u00e9sentent-ils des risques d'incendie ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Les <\/strong><strong>batteries lithium-ion peuvent subir un emballement thermique (surchauffe, choc, d\u00e9faut de fabrication). Les assureurs exigent de plus en plus : local de charge ventil\u00e9, distance avec mati\u00e8res combustibles, extincteurs adapt\u00e9s, aucune charge la nuit. Respect = prime r\u00e9duite.\"}}, {\"@type\": \"Question\", \"name\": \"Ma location de v\u00e9los est-elle couverte ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La <\/strong><strong>location aux clients n\u00e9cessite un avenant sp\u00e9cifique. Couvre : dommages aux v\u00e9los lou\u00e9s, RC du locataire, r\u00e9cup\u00e9ration en cas de non-retour. Le client doit signer un contrat de location d\u00e9taill\u00e9. Co\u00fbt additionnel : 500 $ \u00e0 1 500 $\/an selon flotte.\"}}, {\"@type\": \"Question\", \"name\": \"Mon site e-commerce et mes paiements en ligne sont-ils prot\u00e9g\u00e9s ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Via une <\/strong><strong>cyberassurance e-commerce (400 $ \u00e0 1 500 $\/an). Prot\u00e8ge contre la fraude transactionnelle, le piratage du compte marchand, la fuite de donn\u00e9es clients. Essentiel si vous vendez en ligne.\"}}, {\"@type\": \"Question\", \"name\": \"Les vols de v\u00e9los en vitrine ou stationnement ext\u00e9rieur sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les v\u00e9los en <\/strong><strong>vitrine sont couverts pendant les heures d'ouverture ; le <\/strong><strong>vol avec effraction hors heures ouvrables est couvert si la vitrine est s\u00e9curis\u00e9e (grille, verre anti-effraction). Les v\u00e9los expos\u00e9s sur le trottoir ou \u00e0 l'ext\u00e9rieur n\u00e9cessitent un avenant \u00ab ext\u00e9rieur \u00bb.\"}}, {\"@type\": \"Question\", \"name\": \"Les courses cyclistes ou \u00e9v\u00e9nements que je commandite sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La <\/strong><strong>commandite d'\u00e9v\u00e9nements n\u00e9cessite un avenant \u00ab event sponsorship \u00bb. Couvre votre RC pendant l'\u00e9v\u00e9nement, les dommages aux v\u00e9los pr\u00eat\u00e9s et l'exposition de marque. Demandez une attestation de RC de l'organisateur avant de commanditer.\"}}]}\n<!-- wpml:html_fragment <\/strong><\/script>  -->\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance entreprise\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance boutique de v\u00e9lo\", \"item\": \"https:\/\/www.assur360.ca\/assurance-boutique-de-velo\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>BIKE SHOP Insurance for bike shops and workshops in Quebec Selling, renting, repairing, electric bikes: a bike shop has specific risks. Protect [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":26931,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Quebec Bike Shop Insurance 2026 | New & Used Bikes","_seopress_titles_desc":"Bike shop insurance in Quebec: inventory, repair, customer liability, e-commerce. Starting at $1,500\/year. 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