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.
On my reasonably flat commute I average around 16 mph on my road bike, but your average speed is dependent on many different factors. A general rule of thumb is that if you are switching from a mountain bike with knobbies to a road bike you will be between 15-20% faster at the same watts/effort.ore like 9 mph faster. Which on a 20 mile commute = 46 minutes on the MTB, versus 33 minutes on a road bike, at the same level of effort. This is strictly a matter of gearing and mechanical advantage, for a roughly 30% increase in speed. BTW, all of the math here assumes the same tire diameter, which is not typical.