Whether you’re an owner operator of a business that uses buses, or whether you’re a decision-maker in an organization that relies on buses for transportation, you’re already aware of the need to have bus insurance for the special responsibilities involved in carrying groups of people.

Whether you own a tour company, or whether you administer a church, school, senior center, sports team or other activity group, it’s vitally important to ensure that you have the right coverage.

At Girard Insurance, we can help. After nearly 25 years of experience we understand the coverage requirements for school buses, charter buses, tour buses and coaches. We offer the lowest prices and the widest range of options to meet your needs.

What does owner operator bus insurance cover?

Like other forms of commercial vehicle insurance, bus insurance consists of several kinds of coverage. Because of the large size of most buses, and the number of people they carry, during an accident a bus may cause significant damage and injuries.

So, it’s important to have an insurance professional evaluate the circumstances and recommend the best types and amounts of coverage. Insurance for a bus generally includes the following:

Liability insurance covers your company or organization if a bus is involved in an accident in which your driver is at fault. This consists of bodily injury coverage to cover the expense of medical care for the driver or passengers of another vehicle that was involved, as well as property damage coverage for the expense of damage done to other vehicles or property.

Collision insurance covers damage to your own vehicle, no matter who was at fault.

Medical payments insurance covers your medical costs if there’s an accident, as well as the medical costs of your passengers. If an injured passenger doesn’t have any health insurance, or if the injured person has only a high-deductible health insurance plan, then medical payments insurance can help cover the expenses.

Comprehensive coverage, also known as “other than collision” insurance coverage, can compensate you for losses following fire, vandalism, damage or theft.

Uninsured and/or underinsured motorist insurance covers your accident expenses if the other driver at fault doesn’t have adequate coverage to pay for your own damages.

Excess liability coverage, also known as an “umbrella policy,” can help to greatly increase your coverage limits and protect your business from liability lawsuits.

And, depending upon how the bus is used, there are other insurance “riders” or types of optional coverage available. For example, if passengers are children there is coverage available to protect your organization if an employee or driver were accused of abuse.

Ask the insurance professionals

Since the frequency, type of use, and number of miles traveled varies widely, it’s important to consult with a professional before choosing the best kind of bus insurance coverage for your own needs.

Girard Insurance can help you sort through the options. Best of all, we offer the lowest prices and we handle all claims quickly and fairly.

Call Girard Insurance Services toll free at 844-750-6003