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No one wants to talk about the legal consequences of what is supposed to be a fun and carefree sport. However, I already broke that rule when I started a discussion on negligence in group ride liability, part 1.
Riding is supposed to be about escaping life’s problems, and group rides make the experience social. When I first started riding, I informally met a group of racers on a regular basis. We wore wool shorts and a hairnet at best. Back then, you knew every roadie in town, no matter their gender or age. We rode together, and we never thought about legal consequences.
But, that was then. Today, our sport has become more mainstream. All kinds of people ride bikes, which means all kinds of people show up to group rides, with all different levels of ability and experience. That’s why you may want to consider taking precautionary measures to protect the organizers of your ride. The measures needed will depend on whether your ride involves a club, is an organized or sponsored group ride, or is just an informal greet-and-go.
Of course, every ride should exercise good practices by reminding its riders of issues like hazardous road sections, dangerous turns, café stops, and so on. As Idaho bike lawyer Kurt Holzer notes, “A good pre-ride talk, particularly when there are new riders present, not only makes for a better ride, it can limit liability claims.”
It’s important to remember that cycling takes place on public roads with live traffic, subject to traffic rules and liability concerns. Most of the time, nothing will go wrong. But in case something does, incorporating your club is the most effective way to address liability concerns for the ride’s organizers, or maybe even your group ride.
Why you should incorporate
Just like companies in the business world, a group ride can protect itself by incorporating. Here is the gist: A corporation is a legal entity distinct from its organizers. This means that only the corporation itself can be held liable for the corporation’s actions.
In the world of bicycles, clubs have been incorporating to protect their organizers from legal consequences for years. They accomplish this by registering the club or group as a corporation in their local state. Typically, a club or group ride elects to incorporate as 501(c) non-profit organization. They qualify for non-profit status because they are in it for the betterment of society.
So, what happens if someone is seriously injured on your ride, and they intend to hold the ride’s organizers accountable? If you are an organized club and you are incorporated, your legal status will protect the organizers of the club from personal liability. And for that reason, all clubs should incorporate due to the formality of their operation.
You should also be aware that some organized and sponsored group rides have opted to incorporate. Their fear being that an injured rider may attempt to hold the ride’s organizers or the group ride sponsor accountable. On the other hand, a loosely organized greet-and-go probably does not need to worry about incorporating, because it lacks any aspect of cohesive unit aimed to benefit its organizers.
The importance of insurance and a waiver
All incorporated clubs or group rides should obtain insurance. The insurance policy will cover the cost of a lawyer to defend your club or group ride, in the event that someone sues it. In addition, the policy will cover the cost of a settlement or liability judgment up to the amount of your coverage.
Insurance can be relatively inexpensive to acquire. The price will depend on the number of riders in your club or group. That said, one-time rides can be insured with a flat fee. As for individual riders, their homeowner’s or renter’s policy will cover them for rider-on-rider collisions. In addition, UM/UIM policies will cover a rider in an uninsured or underinsured collision with a motor vehicle. Altogether, insurance will provide your organizers with peace of mind.
If you decide to incorporate your club or sponsored group ride, have your members sign a waiver of liability as well. A waiver acts as a legally binding agreement between the participant and club or group ride. It provides that the participant will not sue the club, group ride, or other riders for an injury they suffered during the event. The waiver is also evidence that the rider accepted and acknowledges the risk of injury, which provides a strong defense to your club or group ride if they attempt to bring a lawsuit against it.
Your group ride may be just fine as it is without being incorporated, without waivers, and without insurance. But just like any other activity that affects other people and society as a whole, there is duty to behave reasonably toward your fellow human. Fall below that standard of “reasonableness” and you may be subject to legal consequences. It is no different than the duty drivers owe society.
When a rider is injured on a group or club ride, they may attempt to hold the ride and its organizers responsible. Under those circumstances, you’ll be glad you are incorporated and insured. Additionally, a pre-signed waiver can be a powerful defense.
The controlling law for both negligence claims and the various legal precautions will vary from state to state, so it’s important to get a legal consultation within your state.
It may seem counterintuitive, but taking measures to protect you and your ride can actually add to the carefree enjoyment of road cycling. That way you can concentrate on dropping your buddy … or maybe not getting dropped too fast.
Now read the fine print:
Bob Mionske is a former competitive cyclist who represented the U.S. at the 1988 Olympic Games (where he finished fourth in the road race), the 1992 Olympics, as well as winning the 1990 national championship road race.
After retiring from racing in 1993, he coached the Saturn Professional Cycling team for one year before heading off to law school. Mionske’s practice is now split between personal-injury work, representing professional athletes as an agent and other legal issues facing endurance athletes (traffic violations, contract, criminal charges, intellectual property, etc.).
Mionske is also the author of “Bicycling and the Law,” designed to be the primary resource for cyclists to consult when faced with a legal question. It provides readers with the knowledge to avoid many legal problems in the first place, and informs them of their rights, their responsibilities, and what steps they can take if they do encounter a legal problem. If you have a cycling-related legal question please send it to Bob, and he will answer as many of these questions privately as he can. He will also select a few questions to answer in this column. General bicycle-accident advice can be found at bicyclelaw.com.
The information provided in the “Legally Speaking” column is not legal advice. The information provided on this public website is provided solely for the general interest of the visitors to this website. The information contained in the column applies to general principles of American jurisprudence and may not reflect current legal developments or statutory changes in the various jurisdictions and therefore should not be relied upon or interpreted as legal advice. Understand that reading the information contained in this column does not mean you have established an attorney-client relationship with attorney Bob Mionske. Readers of this column should not act upon any information contained in the website without first seeking the advice of legal counsel.