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

Volunteers and club members are covered when participating in club activities.

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 excluded from coverage by our insurer, and thus are not permitted to be ridden on club rides. (Note that the presence of a Class 2 E-Bike invalidates our insurance for the entire activity, not just for that participant.)

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.