Common questions about Bike shops
Answering the most frequently asked questions about Bike shops.
Is my inventory a theft target?Gravity Certs2026-08-17T23:07:53-04:00
Significantly. High-value bikes are among the most stolen retail categories.
Are e-bikes rated differently?Gravity Certs2026-08-17T23:07:53-04:00
Often yes. Battery fire exposure and higher speeds affect both product liability and eligibility.
Are test rides covered?Gravity Certs2026-08-17T23:07:52-04:00
Confirm specifically. Customer test rides can fall between general liability and auto coverage.
Do rentals change my coverage?Gravity Certs2026-08-17T23:07:52-04:00
Substantially. Rental operations need to be disclosed and are rated differently from retail.
Am I liable for a bike I assembled?Gravity Certs2026-08-17T23:07:51-04:00
Yes. Assembly and repair errors causing rider injury are product and completed operations claims.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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