Larger bicycle manufacturers, designers, and importers, whose sales are in the millions, have greater concerns for higher limits of bicycle insurance, and need additional forms of coverage that smaller bicycle start-ups often do not require. •Your bicycle company’s well-earned assets are at risk in event a consumer is injured on a bicycle regardless of which component(s) are yours. Your company will likely be included in the lawsuit. •Large shipments via ocean containers expose you to a complete loss of goods from perils of the sea. •Global operations present property outside the US, employees outside the US, and buyers outside the US, which are not insured on standard bicycle policies. •Investors often require director & officer coverage and higher liability limits. •Expanded internet presence with websites, on-line purchase, email and other electronic communications has opened your business to cyber hacking and data breach. (less)