{"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":"2026-06-26T03:55:51","modified_gmt":"2026-06-26T07:55:51","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 Bike Shop Insurance\", \"description\": \"Bike shop insurance in Quebec: inventory, repair, customer liability, e-commerce. Starting at $1,500\/year. Quote in 2 min. 1-866-357-4451.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-boutique-de-velo\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Quebec, 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 insurance<\/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;\">Liability 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;\">Quick Attestation<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">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. E-bikes 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; endorsement. <\/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 percent.   <\/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;\">Chamber of Insurance<\/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\": \"How much does insurance for a bike shop cost?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Between $1,500 and $6,000 per year for a shop of 100 to 400 m\u00b2 with a workshop. The price depends on the volume of e-bikes (more expensive), the presence of rentals, the revenue, and the average value of the inventory. High-end shops (performance cycling) pay more.\"}}, {\"@type\": \"Question\", \"name\": \"Are customer bikes left for repair covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, through the endorsement <strong>\u201cbailee's customer goods\u201d or \u201ccare, custody & control.\u201d Covers damage or theft of bikes while they are in your custody. Typical limit is $25,000 to $100,000. Document each receipt with photos and signatures.\"}}, {\"@type\": \"Question\", \"name\": \"A customer gets injured while trying a bike \u2014 am I liable?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, potentially. Your <strong>commercial liability covers injuries during on-site trials. For trials in open environments (road, track), have a waiver signed and ensure coverage extends to off-site trials. Usual limits: $2M to $5M.\"}}, {\"@type\": \"Question\", \"name\": \"A faulty repair causes an accident to a customer \u2014 covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, through your <strong>product and service liability (\u201ccompleted operations\u201d). Covers claims resulting from a repair, a faulty brake installation, or insufficient tightening. Systematically document repairs (customer file, photos).\"}}, {\"@type\": \"Question\", \"name\": \"Do electric bikes pose fire risks?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. <strong>Lithium-ion batteries can experience thermal runaway (overheating, shock, manufacturing defect). Insurers increasingly require: ventilated charging area, distance from combustible materials, appropriate fire extinguishers, no overnight charging. Compliance = reduced premium.\"}}, {\"@type\": \"Question\", \"name\": \"Is my bike rental covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Rental to customers requires a specific endorsement. Covers: damage to rented bikes, tenant's liability, recovery in case of non-return. The customer must sign a detailed rental agreement. Additional cost: $500 to $1,500\/year depending on fleet.\"}}, {\"@type\": \"Question\", \"name\": \"Are my e-commerce site and online payments protected?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Through <strong>e-commerce cyber insurance ($400 to $1,500\/year). Protects against transactional fraud, merchant account hacking, customer data breaches. Essential if you sell online.\"}}, {\"@type\": \"Question\", \"name\": \"Are thefts of bikes in display windows or outdoor parking covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Bikes in <strong>display windows are covered during business hours; theft with break-in outside business hours is covered if the window is secured (grille, anti-break glass). Bikes displayed on the sidewalk or outside require an \u201coutdoor\u201d endorsement.\"}}, {\"@type\": \"Question\", \"name\": \"Are cycling races or events I sponsor covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Sponsorship of events requires an \u201cevent sponsorship\u201d endorsement. Covers your liability during the event, damage to loaned bikes, and brand exposure. Request a certificate of liability from the organizer before sponsoring.\"}}]}\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\": \"Home\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Business Insurance\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Bike Shop Insurance\", \"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_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. Submission in 2 min.   1-866-357-4451.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Bike Shop Insurance: Quick Comparator","_seopress_social_fb_desc":"Compare bike shop insurance. Free quote in 3 minutes with specialized brokers. ","_seopress_social_fb_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2025\/05\/Assurance-boutique-de-velo.png","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"Bike Shop Insurance: Quick Comparator","_seopress_social_twitter_desc":"Bicycle business insurance: theft, breakage, liability. Compare insurance offers in just a few clicks. ","_seopress_social_twitter_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2025\/05\/Assurance-boutique-de-velo-1.png","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-19838","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/19838","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/44"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=19838"}],"version-history":[{"count":28,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/19838\/revisions"}],"predecessor-version":[{"id":57716,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/19838\/revisions\/57716"}],"up":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15787"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/26931"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=19838"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}