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.
In 2015, Rohan Dennis broke a record for the fastest average speed in a time trial at 34.5 miles per hour (55.446kmph). As a rule, the pack can hammer on flats at around 26-29mph. That certainly varies, and youâll often hear Paul and Phil talk about how the peloton is moving at well over 30mph.