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I have a property in an area that is suitable for mountain biking. There is about 20 or 30 acres of land surrounding it. Does anyone have any thoughts as to what the insurance implications might be if I let them cycle on the land? Is anyone doing this?
Is it YOUR land, public land, or land owned by someone else? That’s the first question your insurance agent is going to ask. Are they using YOUR bikes or their own bikes? If any of that is YOURS, then I believe that you can be held, in some sense, reliable for injuries to people or equipment. Even a “bike at your own risk” disclaimer won’t help if someone really wants to come after you…
I’m not an insurance agent, but I did sleep in an AirBnb last night…