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What is bus insurance?
Buses carry more people than almost any other vehicle type, and they thus present unique considerations when purchasing insurance. Businesses that operate buses in Texas generally should look for a specialized bus insurance policy.
Bus insurance policies provide specialized coverage for passenger buses. The policies usually have high limits for injuries, in case multiple passengers are ever injured during an accident.
What Texas businesses need bus policies?
Most Texas bus operators should purchase a bus policy. These policies are normally good choices for charter bus companies, school districts, cities, colleges, and nonprofits with buses.
What protections are included within bus policies?
Bus policies can provide any number of coverages, depending on their terms and conditions. Some frequently offered protections that bus operators probably should look for are:
Possible Coverages Available
- Personal Injury Protection: Normally covers injuries that bus passengers and drivers could sustain
- Medical Payments Coverage: Normally covers medical costs arising from passengers’ and driver’s injuries
- Bodily Injury Coverage: Normally covers injuries that people not on a bus sustain (e.g. pedestrians, other vehicles’ passengers)
- Comprehensive Coverage: Normally covers bus damage that occurs during non-accident incidents (e.g. falling trees, theft, animal strikes)
- Collision Coverage: Normally covers bus damage that occurs during accidents with other vehicles
- Underinsured/Uninsured Motorist Coverage: Normally covers accidents that are caused by improperly insured drivers
Personal Injury Protection
Medical Payments Coverage
Bodily Injury Coverage
Underinsured/Uninsured Motorist Coverage
Do bus policies cover employee injuries?
Whether bus policies cover employee injuries is a complex topic, as they may cover injuries while driving but not other injuries. Workers compensation or occupational accident coverage might also be needed. This is a topic that businesses should discuss with an experienced insurance agent.
Can passenger vans be insured with bus policies?
Bus policies may offer the coverages that passenger vans need, but bus policies tend to be overinsuring if used for vans. A passenger van insurance policy is likely more appropriate for these vehicles.
If there’s any question as to whether a bus policy is right for a specific vehicle, an insurance agent who specializes in these policies can help.
What should school districts take into account when shopping for school bus insurance?
School districts generally should look for school bus insurance policies that have high limits, particularly for passenger injuries. Kids often don’t wear seatbelts on buses (even if they’re supposed to), and an accident can result in major injuries for all onboard. The financial cost of a major accident can be especially large if multiple children are injured.
An insurance agent who specializes in bus policies should be able to help school districts find robust school bus insurance.
How much does insurance cost for buses?
Insurance premiums for buses vary, and the only way to truly know how much insuring a bus or fleet will cost is by obtaining customized quotes. A knowledgeable independent insurance agent can help quickly get customized quotes from several insurance companies.
As businesses compare different quotes, they’ll find that the insurers frequently ask for the following information when determining rates:
- How many buses are being insured?
- What size are the buses?
- What type of bus are they?
- Where are the buses stored?
- Where are the buses driven?
There are many other pertinent details that can impact the cost.
How can Texas businesses get quotes for bus insurance?
If you need insurance for buses that are registered and operated in Texas, get in touch with the independent insurance agents of McKnight Insurance. Our agents are well-versed in many different types of commercial vehicle insurance, including bus insurance. We can help you compare customized quotes, and then select the best one that offers the coverages you need at affordable rates.
McKnight Insurance Services Independent Agency in Mansfield Texas
Get in touch with one of our team members for questions or quotes!