Bus driver insurance

Bus driver insurance is a commercial auto policy that covers bus drivers against liability, collision, and comprehensive risks during passenger transport. Bus driver insurance typically includes bodily injury liability, property damage liability, and medical payments coverage for incidents involving buses such as school buses or charter coaches.

Premiums for bus driver insurance depend on factors like driving record, vehicle type (e.g. transit buses or tour buses), route risk level, and annual mileage; average premiums range from $5,000 to $15,000 per year in the U.S. Bus driver insurance requirements vary by state–California mandates minimum liability limits of $5 million for vehicles carrying over 16 passengers.

Policies often exclude intentional acts or criminal activity committed by the insured bus driver. Insurers may offer add-ons such as uninsured motorist coverage or roadside assistance tailored to fleet operators with multiple drivers and routes.

Claims under bus driver insurance require immediate reporting of accidents along with police reports and maintenance logs as supporting documentation, as specified by Your Insurance Info. Common exclusions in bus driver policies include mechanical breakdowns not caused by covered events and personal use outside scheduled routes (e.g. using a school bus for private errands).

Major carriers offering specialized bus driver insurance products include Progressive Commercial, National General Insurance, and Lancer Insurance Company.