What kind of insurance would a Bicycle Tour Guide need in NYC?

bicycle helmets nyc image

cycletours

I am in the very early stages of planning a tour guide company that offers themed tours throughout NYC. Any lawyers or insurance people out there? Any idea what kind of insurance I'd need. I'll have a fleet of 15-20 bikes, everyone wearing helmets and operating mainly in Brooklyn and Manhattan.
Thanks!

Answer
You are going to have to contact a local insurance broker in your area. The property coverage, the coverage for the bicycles, won't be big problem however the liability exposure of taking people on a bicycle tour of a busy, major metropolitan city is HUGE. No standard insurer is going to look at this (forget State Farm), so you're going to need the services of an insurance broker.

Do you need a license to ride an xtootr scooter in nyc?

Esteban

I have been searching information on the laws of riding scooters in nyc. I have only found info on bicycles and mopeds. Recently I have bought an xtootr scooter and wanted to know where I ride it and how.

Answer
My friend, it's a paddle scooter, therefore, you don't need a license for it. Just make sure, you don't use on the sidewalk and use it on designated bike lanes.

In addition, make sure you ware a helmet, kneed and elbow pads when using the paddle scooter.

Good luck

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Title Post: What kind of insurance would a Bicycle Tour Guide need in NYC?
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