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Driving buses comes with substantial inherent risk, as any accident could involve both extensive property damage and many injuries. Bus insurance won’t stop accidents from happening, but it might protect Massachusetts operators should their bus be in a collision while on the road (or while parked).
Bus insurance offers specialized commercial auto insurance for bus operators. Policies normally have coverages and limits that are adjusted for the unique risks presented by transporting passengers.
Most Massachusetts organizations that operate buses should have some form of bus policy in place. This generally includes charter bus operators, tour bus operators, school districts and others.
In certain cases, businesses that operate large passenger vans might also purchase a bus policy. Whether a bus policy or another insurance policy option is more suitable for a passenger van depends on the specifics of the situation, however. An insurance agent who specializes in bus policies can help van operators determine whether one indeed is right for them
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Bus policies are usually comprised of several coverages, which work together to provide robust protection. Some coverages that a policy might offer are:
Massachusetts broadly requires employers to carry workers' compensation if they have employees on payroll, and this requirement usually extends to bus operators in the state. The purpose of workers' compensation is to provide coverage for certain on-the-job injuries.
Although most bus operators need workers' compensation, the coverage isn’t always included within a bus policy. It might instead be purchased as a stand-alone policy.
Should school districts look for any specific coverages when choosing school bus insurance?
School districts generally should choose school bus insurance policies that provide extensive protection. This not only requires selecting coverages wisely but also choosing deductibles and limits with care.
An insurance agent who specializes in bus policies can help districts set up a school bus insurance policy that provides extensive protection.
Premiums for bus policies are based on many factors, and thus they vary significantly among policies. A bus’s size, storage location, miles driven, and type of transport are just some of the factors that influence rates. So too do the coverages and limits needed, the business’s recent claims history, drivers’ experience and many other details.
Because premiums vary so much, determining how much a specific business or organization might have to pay for a policy normally requires obtaining customized quotes. An independent insurance agent can help businesses get customized quotes from several insurance companies.
For help insuring Massachusetts-registered buses, contact the independent insurance agents at The Feingold Companies. Our agents will help you compare policies from several insurance companies, and we have the expertise necessary to help you choose the best available bus insurance policy for your business’s/organization equipment.