David Hart

With your general homeowner's policy, it protects you under the liability coverage when you are LEGALLY liable to someone for either property damage or injury/death. There is even coverage available to handle medical bills if you have a cycling buddy over and he falls down your stairs in his cleats!

So if you are on a group ride and you crash into your buddy who is riding and you cause him injury/damage, you could be protected by your policy. If you blow a red and hit a ped, your policy would cover damages to them and same if you hit a car, or go into a window of a Starbucks...

There is an exclusion usually that if you are running a 'business' that your personal homeowner's would not apply. I don't know of a group ride that makes you pay to do but thought I would throw that out there.

Other notes about liability:

If a dog attacks you, that is a liability claim against the homeowner to pay for your damages. Same goes for thier child that runs you down on thier BMX bike (happened to an old teammate).

Another thought: If you are riding & get hit by a car then the car flees. If you have evidence to support that, you could have auto insurance to handle YOUR damages (injury and bike damage. I know Mark handles these types of cases. I am just the insurance guy that handles some if it.

A funny note: Your auto policy pays for damages to your buddie's bike that is on your roof when you drive into your garage...