Landlord and tenant should negotiate whether they will request waiver of subrogation clauses in their property insurance policies, liability insurance policies, or both (it is less common for the parties to request waiver of subrogation clauses in liability insurance policies, but possible).
Since Nick's answer covered average speed over the entire lifetime of the bike, I'll cover the average over time spent moving. Simply put, this depends almost entirely on the cyclist, rather than the bicycle itself, and there is a wide range. Casual recreational cyclists probably average around 10-15 km/hr (6-9mph). This is your weekend trail rider, out to enjoy the view in the local park.
1984 The road race becomes the first women's cycling event at the Olympics. 1985 John Howard of the US sets a new bicycle speed record of 152.284 mph. The first person to go over 150 miles an hour on a bicycle. 1995 Fred Rompelberg of the Netherlands sets a new bicycle speed record of 166.9 mph. At the time, he was 50 years old, and the world's oldest professional cyclist.