Insuring a Bike Shop in Texas

🚲 The E-Bike Boom in Texas

E-bikes are the fastest-growing segment in the cycling industry, and shops across Texas are cashing in on the trend. But e-bikes also bring a new challenge: lithium-ion battery risks.

When damaged or improperly charged, these batteries can overheat or catch fire. Insurance companies are watching closely, and some carriers hesitate to insure shops that sell or service e-bikes. That makes having the right bicycle shop insurance in Texas more important than ever.

🛡️ Essential Insurance Coverages for Bicycle Shops

Running a bike shop is different from running a clothing store or coffee shop. You need coverage designed for your industry:

1. General Liability Insurance for Bike Shops

Protects your business if a customer slips, falls, or gets injured on your premises.

2. Commercial Property Insurance

Covers your inventory, tools, and expensive bikes if they’re stolen, damaged, or destroyed.

3. Product Liability Insurance

Shields you from claims if a bike—or an e-bike battery—you sell causes injury or damage after purchase.

4. Bailee Coverage

If you repair or service customer bikes, this protects them while they’re in your shop’s care.

5. Business Interruption Insurance

Keeps revenue flowing if your shop is forced to close temporarily after a fire, theft, or covered loss.

🔥 Real-World Risks Bicycle Shops Face

Here are just a few examples that Texas bike shops have dealt with:

  • An e-bike battery fire that spread in a repair area.
  • A theft of multiple high-end road bikes worth tens of thousands.
  • A customer injured during a test ride.

These situations can happen to any shop, big or small—and without the right Texas bike shop insurance, they can be financially devastating.

🤝 Why Work with Ryan Everet Insurance

Not every insurance carrier is eager to cover bike shops, especially those that sell e-bikes. That’s where we come in.

As an independent Texas insurance agency, Ryan Everet Insurance shops multiple carriers to find coverage that fits your shop’s unique risks. We don’t push cookie-cutter policies—we customize solutions that match the realities of your business.

Based right here in Texas, we understand the needs of local business owners and have experience insuring shops just like yours.

âś… Get a Free Insurance Review for Your Texas Bicycle Shop

If you own or manage a bicycle shop in Texas—whether in Denton, Dallas, Austin, Houston, or anywhere in between—now is the time to review your coverage.

Don’t wait until a fire, theft, or lawsuit shows you where your current policy falls short.

👉 Contact Ryan Everet Insurance today at 940-268-5112 to schedule a free consultation and get coverage built for your shop.