The Chattanooga Bicycle Club purchases both General Liability and Participant Accident Insurance coverage on an annual basis each year.

Volunteers and club members are covered when participating in club activities. An activity must be posted on the club calendar to be considered a club event.

Rides not posted on our calendar – even when led by club members – are excluded from coverage and the club assumes no liability for any incidents that may occur on such rides.

Non-members are covered during their FIRST club activity only.

Class 2 E-Bikes – those which can be throttle-controlled and do not require the operator to pedal – are no longer excluded from coverage. Please refer to our E-Bike Policy and Ride Guidelines for further information.

Mountain bike rides are covered for members and first-time invited guests only. It is required that all participants wear helmets and sign a waiver, and the event includes no tricks or timing.

Racing events are NOT covered.

Participant Accident Coverage can help pay for medical expenses incurred due to injury sustained during a club organized and supervised event. Coverage extends to members and first-time invited guests.

Should an incident occur while you are involved in a club activity, please contact a club officer. Be prepared to provide as much information as possible including names of participants involved, date/time, location, injuries, property damage, etc.