Bikmo for Business

YOUR BUSINESS
IS OUR PRIORITY

Good businesses are worth protecting. Invite us along for the ride and we'll support with commercial insurance solutions you can trust.

WHY INSURE WITH BIKMO?

1
THIS IS OUR PATCH
We specialise in cycling and mobility insurance. It’s what we love and wouldn’t have it any other way. We’re invested in your success.
2
WE’VE GOT ALL THE GEAR
We’ve racked up a fair few miles in the cycle and insurance industries so you can trust us to identify, and advise on, the greatest risks to your business.
3
AND FRESH IDEAS
We may not look like the average insurance company, because we’re not. We hope you’ll find working with us to be more thrills, less endurance.
1
THIS IS OUR PATCH
We specialise in cycling and mobility insurance. It’s what we love and wouldn’t have it any other way. We’re invested in your success.
2
WE’VE GOT ALL THE GEAR
We’ve racked up a fair few miles in the cycle and insurance industries so you can trust us to identify, and advise on, the greatest risks to your business.
3
AND FRESH IDEAS
We may not look like the average insurance company, because we’re not. We hope you’ll find working with us to be more thrills, less endurance.

WHAT CAN WE DO FOR YOU?

We’re here to protect the world’s riders. That also means supporting the organisations underpinning the cycling world.

Whether you have deep roots, or you are just getting started on a new venture, we’d love to hear from you and get to work on a comprehensive cover proposition. Here’s just a small collection of the type of risks that we can help you get to grips with.

Property Damage

However careful you are everything your business is responsible for, from the staff fridge, to the warehouse piled high with the latest gear, is at risk from damage or loss.

Theft

Sadly locking up at night won’t always protect against the most determined thieves. Your assets cannot be theft-proof, but your balance sheet can be.

Employers’, Public & Product Liability

You have a duty of care to your customers, staff and the general public. If they suffer injury or loss the business could find itself defending a boneshaking demand.

Business Interruption

It doesn’t rain, it pours. When the unexpected happens and your business goes over the handlebars, the right cover can help get your back in the saddle.

Cyber

Modern businesses rely on online traffic and data management. Threats to these may be invisible but have potential to cost you big and bring your business to a complete halt.

Directors’ & Officers’ Liability

Directors of Limited companies have unlimited liability with your personal wealth and assets at risk. The risks apply to not-for-profit organisations.

Cargo + Supply

Your operations are only as resilient as the weakest link. Don’t allow issues with suppliers, freight-forwarders and couriers, to domino, causing your business to face-plant.

Non-Payment (Credit)

Your business may buy or sell goods or services without immediate payment being made. With the right controls in place you protect against non-payment.

Professional Indemnity

If you are giving advice, training or coaching, any losses suffered by your customers (including purely financial) will fall outside the scope of your liability cover.

Events

Putting on an event can be a great marketing or fundraising boost, but there are risks. What if an attendee is injured? What if you have to pull the plug at the last minute?

Group Personal Accident + Sickness

All businesses are reliant on their staff to run smoothly. Personal Accident + Sickness cover can shield your business from the impact of the sudden absence of key personnel.

Business Travel

Policies can be arranged for staff travel costs including overseas medical expenses and cancellation. If the travel is organised centrally, it should be insured centrally.

Equipment Inspection + Breakdown

Managing mechanical risks such as packaging conveyors, lifts and electricals. Helping keep the key cogs turning and minimising the misery of downtime.

Legal Support

Giving you access to expert support when you find yourself in a pickle. Help with navigate destabilising legal issues, funding the pursuit or defence of civil action.

YOUR QUESTIONS, ANSWERED

What information will you need to get a quote?

The better we understand your business the better we can tailor your policy and our advice. We may end up asking you more than you’ve been asked before, but its all because we have a determination to deliver the most suitable solution for you.

We appreciate that your time is valuable, so we’ll keep things as concise as you’d like, but we’d encourage you to invest time putting in the foundation work with us, we’re sure you will feel the long-term benefit of getting on top of your insurance risk.

What’s different about Bikmo?

We’re specialists, 100% focussed on providing insurance solutions for cyclists and cycling-centric businesses. It’s so important to us that you can trust your insurance cover in order that you can concentrate on running a successful and impactful business.

We share your passion for cycling and are determined to provide exceptional service alongside our recommended cover proposition, a service that is refreshingly different, sector-centric and unrivalled by traditional insurance companies.

How much cheaper will our premium be?

We will put in the hard graft to ensure that we can be confident in delivering a competitive premium, however we are here to provide the most suitable cover solution which will not necessarily always be the cheapest.

Our core priority will be to help you get the very best from your budget and we’ll never be afraid to tell you if we believe you need to invest a little bit more to better protect you and your business.

Why are recommended liability limits so high?

In an increasingly litigious society there will always be a risk to your business should your negligent actions or inaction be alleged to have caused injury or financial harm.

The cause of such an injury may appear innocuous but the effects can be life-changing and expenses can pile up rapidly. The injured party may require specialist and costly care for the remainder of their life, or their injuries may mean they need to call time on a prestigious career, foregoing substantial future earnings.

From small incidents significant claims do occur, no business big or small is immune from the potential fallout – even not-for-profit businesses are vulnerable. This is the key reason why we’ll recommend you opt for the highest liability limit you can reasonably afford, why limits of £5m and £10m are increasingly becoming the norm regardless of the size of an organisation.

WHO WE WORK WITH

Bikmo is the specialist commercial insurance broker trusted by big brands, small businesses and start-ups.

WE LIVE IT

The Bikmo team is made up of people who love bikes, the outdoors, and protecting our planet for future generations. By focussing our insurance expertise on cycling and mobility, we feel very lucky to work with businesses that share our values.
bikmo online video chat

WE’RE DETERMINED TO BE BETTER

Using business as a force for good. Our planet needs responsible people and businesses to step up and meet the challenges it faces. For us, that means focussing not just on profit but continuing to put people – customers, team and society – and the environment as high on our priority list as profit when making business decisions.

In September 2019 we certified as a BCorp. For those not in the know, it’s a rigorous process that assesses and independently verifies our activities as a business right from corporate governance through to social impact and team benefits.

Further, in 2020 we fulfilled our aim of joining 1% For The Planet, providing a great framework for our philanthropic activities as a small but growing team. It’s a great organisation and well known brand that is helping us structure how we give back.
Bikmo + Sustainability