Bikmo for Business


We've had our bike shop insurance on the workstand for months. We promise it'll be worth the wait.

Coming early 2022

Register to find out when our retail insurance is ready. No spamming, we promise.

    Our plan for retailers

    Challenges we are looking to help you overcome within our new product

    Liability arising from the workshop

    Arguably the greatest threat to bike retailers, as not all retail products will cater for injuries sustained due to alleged defective workmanship.

    Low take-up of essential emerging insurance products

    Professional Indemnity, Cyber, D&O, Employment Practices Liability – all increasingly essential for retailers in the modern landscape, these vital covers need de-mystifying.

    Large upfront premium demands

    The withdrawal of interest-free options for paying in instalments – we’re looking to offer a 0% Direct Debit

    Over-reliance on suppliers

    The recent supply issues have highlighted retailers’ reliance on effective supply chains – tackling how your business can cope if a key supplier suffers major disruption.

    Flexible Stock cover

    It’s becoming increasingly difficult to manage stock levels with bulk orders being encouraged and significant delays in distribution.

    Delivering online orders

    With an increasing proportion of sales driven online retailers need to be careful about how they fulfil the delivery of sold goods – that bikes aren’t lost or damaged in transit.

    Uncertainty over protection for demo + hire

    Removing uncertainty over the cover position for out of sight stock during demo and hire periods.

    Apathy to risk management

    Encouraging you to minimise the risk of damage to your stock, or liability events, by rewarding the pro-active steps you are taking to mitigate risk, a more collaborative approach.

    An increasingly litigious environment

    The growing threat to all retailers of severe third-party injury claims, with recognition of the numerous activities a bike retailer undertakes.

    Being prepared for the worst

    Clarity over the circumstances where the policy will respond if the performance of the business is disrupted by events outside of your control.


    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.
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