Motorcycle Club Insurance Requirements and Coverage

If you're the president of a motorcycle club, you know how important it is to have the right insurance coverage. Most states require motorcycle clubs to have liability insurance with a minimum coverage of $25,000 per person and $50,000 per accident.

Motorcycle club insurance typically includes coverage for accidents, theft, and damage to club property. This can include clubhouses, equipment, and even the motorcycles themselves. Some policies may also offer additional coverage for events and rallies.

Some motorcycle clubs may be required to have workers' compensation insurance if they have employees or members who are injured on the job. This can help cover medical expenses and lost wages.

Riding in groups can be a fun and safe experience, but it's essential to consider the legal requirements to protect yourself and your club. To do this, riders and the club should both carry liability insurance.

Riding in groups also requires following traffic laws, which means driving at or under the speed limit, observing traffic lights, and following any posted signs. This helps prevent accidents and ensures a smooth ride for everyone.

Riders and clubs should also be aware of any noise level restrictions for the areas they ride through, as this is another important legal consideration.

Riding in groups can be a wonderful experience, but it's essential to consider certain precautions to protect yourself and your club.

Riders and their clubs should carry liability insurance to cover themselves in case of an accident.

Following traffic laws is crucial, whether you're riding solo or with a group.

Riders should drive at or under the speed limit and observe traffic lights and signs.

Clubs should be aware of any noise level restrictions in the areas they ride through.

If you have questions about group riding regulations or how to protect yourself and your club, consider seeking advice from a professional.

Riders in Florida must wear a helmet and eye protection while operating a motorcycle, but there's an important exemption to note.

Under Florida Statutes § 316.211, riders under the age of 21 are required to wear a helmet and eye protection at all times.

Anyone over the age of 21 who carries an insurance policy of at least $10,000 for medical benefits is exempt from wearing a helmet.

Insurance coverage for motorcycle clubs is a must-have to protect members and organizers from potential liabilities.

To be eligible for insurance, clubs must be paid up and in good standing, and all club names must be provided to underwriters.

Coverage includes legal liability, personal injury, and products/completed operations, with a limit of $2,000,000 per occurrence and $2,000,000 in aggregate for the policy term.

Ride Captains should be deemed competent by an agent of the club, and all participants must maintain an annual motorcycle license.

Here are some key requirements to keep in mind:

Public Liability is a crucial aspect of insurance coverage for motorcycle clubs. It provides protection against liability to pay compensation for personal injury, property damage or advertising injury occurring in connection with a sanctioned event.

To be eligible for public liability insurance, your club must have a paid-up and good-standing status. This means all club names and member numbers must be provided to the underwriters.

The coverage includes personal injury, property damage, and advertising injury, and has a limit of $2,000,000 per occurrence and $2,000,000 in aggregate for the policy term.

Ride captains should be deemed competent by an agent of the ORRA Member Club and maintain an annual motorcycle license.

Here's a list of activities that are typically covered under public liability insurance:

It's essential to note that you should always check with the ORRA if you're unsure about the coverage of a specific event. They can provide an opinion on whether the event is insured under the regular program or if separate coverage is required.

In the event of an incident, get as much information as possible and contact the ORRA immediately. It's also recommended to obtain full registration waivers for events involving participation by members and non-members.

Personal Accident insurance provides essential protection for motorcycle club members in case of an accident.

A lump sum of $75,000 is paid out to the next-of-kin of someone who is killed while participating in a motorcycle association sanctioned event, or $10,000 if the deceased is under 18.

For quadriplegia or paraplegia, a lump sum of $150,000 is paid out.

Permanent disability is assessed on a scale, with a maximum payout of $100,000 for permanent total disability.

Non-Medicare medical expenses are reimbursed up to a maximum of $5,000, net of any private health insurance entitlements, and incurred within 52 weeks of the date of injury.

Emergency transport costs for officials, marshalls, and volunteers are reimbursed 100% of ambulance costs up to a maximum of $10,000.

Accommodation expenses for family members of injured riders can be reimbursed up to $125 per night, up to a maximum of $10,000, if the injured rider is hospitalised more than 250km from home and cannot be moved to a hospital closer to home.

Accredited Coaches operating under an MA or SCB permit are covered by the National Insurance Programme. This is a great relief for motorcycle clubs that rely on these coaches for guidance and support.

Members of motorcycle clubs who are also Coaches can rest assured that their insurance coverage includes them.

If you're dealing with insurance coverage issues, it's best to reach out to Motorcycling Australia's Legal Manager, Anthony Hynes, on 03 9684 0516.

You can also contact Proclaim if the issue relates to a claim, their number is 02 9287 1302.