Bus insurance.
Insuring buses, including charter buses and coaches, can be quite different from insuring a standard car. Buses are much more expensive and often carry much higher numbers of people, so it is important that your coverage reflects these differences.
To ensure that you get the proper coverage for your vehicle, contact us today to learn about your options. We can help you determine the policy that will work best for you and your vehicles.
Bus insurance is a specialized commercial auto policy designed to protect owners, operators, and passengers of vehicles carrying 16+ passengers, typically requiring high liability limits up to $5 million. It covers vehicle damage (collision, comprehensive), liability for injuries/property damage, and specialized risks like passenger injuries or vandalism.
Key Aspects of Bus Insurance
- Target Vehicles: Covers charter, tour, school, shuttle, transit, and party buses.
- Coverage Types:
- Liability: Covers legal fees, medical expenses, and property damage to others.
- Physical Damage: Protects the bus from collision, theft, or fire.
Uninsured/Underinsured Motorist: Protects against drivers without sufficient coverage. - Specialized Coverage: Includes medical payments for passengers, abuse and molestation coverage.
- Requirements: Vehicles with 16+ passengers usually require at least $5 million in liability, while 15 or fewer require $1.5 million.
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Bus Insurance Quote Request
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