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.
The way Iâve always seen it is that a human on a bicycle has an effective rpm range of between 60 and 150 rpm where they can produce power. Compared to a motor vehicle which typically produces power from 1,000 to 6,000 rpm you can start to see the % difference in cadence (rpm) within the same gear.