Liability and Insurance

Anybody who rides mountain bikes has probably, at some point, pitched off the bike and fallen into the dirt. Falling is part of mountain biking. But when those falls result in injuries, lawsuits can follow.

Fear of injuries and lawsuits has made landowners reluctant to allow recreation on their property and has sometimes made government agencies wary of building new trails. But safety and liability can be managed. After all, high-risk activities like skiing, snowboarding, skateboarding, whitewater paddling and mountain biking continue to grow.

In Canada, IMBA has partnered with Oasis Insurance to design and develop insurance coverage that provides protection specifically for the members, volunteers, directors and officers of IMBA-affiliated mountain biking organizations. Only IMBA-affiliated clubs in Canada are eligible to participate in the Oasis Insurance program.