A 501(c)(3) nonprofit running long-distance bicycle rides to raise money for affordable housing has found itself uninsured when sued for negligence by one of its participants who was seriously injured while on a cross-country ride. A federal District Court in Philadelphia has granted summary judgment to the organization’s commercial liability and excess coverage insurers who sought a declaration that they had no obligation to protect the charity from the rider’s claims. Bike & Build organizes its cycling trips and recruits riders who commit to raise a certain amount of money, typically $4500, from others who sponsor their trips. It uses the funds to make grants to affordable housing...