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Caitlin Morgan Insurance Services
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Caitlin Morgan Insurance Services
Contact Us
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Bike Tour Operators Insurance, Bicycle Tour Operators Insurance

Caitlin Morgan Insurance Services offers a tailored Bike Tour Operators Insurance program designed specifically to address the unique liability exposures faced by bicycle and trail tour operators. This program provides comprehensive general and professional liability coverage, helping agents place business for clients involved in guided bike tours, cycling adventures, and similar outdoor recreational operations.

Ideal Accounts and Appetite

  • Bike Tour Operators
  • Bicycle Tour Operators
  • Trail Tour Providers
This program is a great fit for insureds who organize guided bike tours for leisure, fitness, or educational purposes. Whether your client runs local city tours, cross-country cycling trips, or off-road trail expeditions, Caitlin Morgan has solutions to help protect their business from liability claims stemming from client injuries, professional errors, or accidents.

Excluded Tour Operations: Bungee jumping, waterskiing, paragliding, hang gliding, scuba diving, snowmobiling, spring break tours, white water rafting, jet skiing

Coverage Highlights and Advantages

  • General and Professional Liability tailored for bike tour operations
  • Errors & Omissions Liability included in the program
  • Available limits ranging from $100,000 to $5 million
  • Minimum premiums starting at $1,250
This program is designed to mitigate risks related to client injuries, route planning errors, equipment failure, and other common exposures in the bike tour industry. With flexible limit options and competitive pricing, agents can tailor coverage to meet the size and scope of each client’s operation.

Underwriting Notes and Minimum Premiums

Caitlin Morgan works with various carriers to access competitive solutions across a wide range of risk profiles. Minimum premiums begin at $1,250, allowing access for small and mid-sized operators. Submissions should include full details about the tours offered, safety protocols, and staff experience to ensure accurate underwriting.

Territories and Availability

This program is available in all 50 states and the District of Columbia. Whether your client operates in a major urban area or a rural trail system, Caitlin Morgan can help you secure the right protection.

Why Work With Caitlin Morgan Insurance Services?

As a wholesale broker with expertise in niche markets, Caitlin Morgan delivers responsive service and access to specialty carriers. Their deep understanding of the risks involved in recreation and tourism makes them a reliable partner for agents looking to place bike tour operator business with confidence. You might have a client who runs guided e-bike tours through wine country or a company offering multi-day trail excursions through national parks. Caitlin Morgan’s program is built to support these operators with tailored liability coverage and underwriting expertise.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for operators of guided bicycle tours, trail rides, and cycling-based excursions. It fits businesses of various sizes, from local tour guides to multi-day trip organizers.

What coverages are included in the Bike Tour Operators Insurance program?

The program includes general liability, professional liability, and Errors & Omissions coverage, with limits ranging from $100,000 up to $5 million.

Are there any excluded tour activities?

Yes. Activities such as bungee jumping, waterskiing, hang gliding, scuba diving, and other high-risk or motorized tours are excluded from this program.

In which states is this program available?

The program is available in all 50 states and the District of Columbia.

What is the minimum premium for this program?

Minimum premiums start at $1,250, making it accessible for small to mid-sized bike tour operations.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A or Better
  • Commission:
    Varies
  • Min Premium:
    -

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Caitlin Morgan Insurance Services has other insurance programs like Amateur Sports Leagues Insurance.