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Bus Insurance

Buying a commercial bus is a very large investment that can be quite profitable for your business. Charter bus companies may hire out transportation services to private clubs, organizations and local school sports leagues. Travel and tour bus businesses profit from simple sight-seeing day trips to longer travel adventures for a group of people. Commercial bus lines provide transportation between major cities and destinations.

Company owned buses are not cheap to lease or purchase, thus they become a significant investment for your business. When those buses are damaged or destroyed due to auto accidents or other unexpected events, the cost of repairs can be too much for your company to handle all at once. That is why it’s so important to make sure your bus is protected with the most auto insurance that it can be. Here are the primary types of commercial auto insurance coverage you should carry on your company bus:

Liability InsuranceAccidents happen, and sometimes your bus driver will be the one who is at fault. When your bus is involved in an auto accident that your driver caused, your company is required by law to pay for any damages and injuries that were caused. Liability insurance provides that basic level of protection. It helps protect your company from the severe financial strain that accident bills can cause. Since liability insurance is mandated by law in most parts of the United States, it also helps keep your bus legal for driving on the road. Liability insurance protects you in two key areas: Physical injuries and property damages.

Medical PaymentsMedical payments insurance is particularly important for a bus because it protects the driver and all passengers who were on board at the time of the accident. Medical payments coverage pays the associated medical bills and treatment expenses for all persons in the bus, regardless of who was at fault for the accident. This commercial insurance coverage is not available in all locations. Speak with one of our licensed representatives today so that we can help you determine the availability of this coverage for your company.

bus insurance
Bus Insurance

Physical Damage InsurancePhysical damages insurance protects your bus itself. This is important insurance to help prevent you from losing everything you have heavily invested into the bus. If your bus is leased or not paid off in full yet, this coverage is highly recommended to ensure that you are able to cover the cost of repair or replacement if it gets damaged.

Uninsured or Underinsured Motorist - When your bus is involved in an auto accident that was caused by another driver, that driver’s car insurance is supposed to pay for the damages they cause to your bus and to the people on your bus. Not everyone carries auto insurance however, and if they are uninsured then there is no recourse for damage payments other than litigation. Some drivers carry basic insurance coverage, but it is not nearly enough to fully pay for all of the damage they cause to your bus. These underinsured motorists can also leave you without recourse for payment. To prevent your company from having to pay these bills out of pocket, you can protect your bus by carrying an uninsured or underinsured motorist policy. Uninsured and underinsured motorist insurance provides coverage in the same two ways that your liability policy does:

Other Important Commercial Auto Insurance for bus includes:

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Business Auto Coverages

Commercial Auto Protection Liability Coverage Bodily Injury Coverage Property Damage Coverage Medical Payments Coverage Physical Damage Coverage Collision Coverage Comprehensive Coverage Uninsured Motorist Coverage

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