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.
How fast will an electric bike or an electric scooter go? Can I make it go faster? Currently, in Canada, at least in the province of BC, electric bikes and electric scooters are regulated to a maximum speed of 32 kph. If they are modified to exceed this, they loose their status as a bicycle. Having said this, many people are experimenting with ways to make these vehicles go faster.