Table of contents
Taxis can only carry two or three passengers. Shuttle buses are the best mode of transport for 20 passengers or more. Shuttle bus businesses provide an essential transportation service for corporate events, airport transfers, or group tours.
Operating a shuttle bus comes with its own set of risks. That’s where shuttle bus insurance protects your business from potential liabilities.
This article explores different types of shuttle insurance, their coverage limits, available add-ons, and the costs involved. Additionally, we’ll introduce you to some of the best shuttle bus insurance companies in the market.
Charter bus operators must have general liability insurance and commercial auto liability insurance. Owners must get a $1 million-$1.5 million general liability policy with proof of insurance. Auto liability insurance requirements, on the other hand, vary per state. However, this must be at least $5,000,000 combined single limit.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
As a shuttle bus operator, general liability insurance is a crucial policy to safeguard your business from common risks. This inclusion in shuttle and charter bus insurance covers bodily injury, property damage, and personal injury claims that may arise during your shuttle service operations.
The coverage limits for general liability insurance typically range from $1 million to $5 million, depending on your business needs and requirements.
Slip and fall accidents by passengers while boarding or disembarking the shuttle bus
Property damage caused by the shuttle bus during transit or at the pickup/drop-off locations
Personal injury claims resulting from alleged negligence, such as driver errors or vehicle maintenance issues
Commercial umbrella insurance provides additional coverage beyond the limits of your general liability policy, offering increased protection in case of high-value claims
Hired and non-owned auto insurance extends liability coverage to vehicles not owned by your business but used for shuttle service operations, such as rented or employee-owned vehicles
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $320,000 | $25,000/$500,000 | $75,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $75,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Excluded | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Excluded | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Included |
| Business interruption floater | Excluded | Included | Included | Excluded | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | Excluded |
Protecting physical assets is vital for the smooth operation of your company. Commercial property insurance offers comprehensive coverage for the various tangible components associated with your business, including office space, garages, and equipment.
Shuttle insurance providers understand the unique needs of shuttle bus businesses and offer tailored commercial property insurance policies to safeguard your valuable assets. Whether you own or lease your office space, garages, or equipment, having the right coverage can protect you from financial losses due to unforeseen events such as fire, theft, vandalism, or natural disasters.
The coverage limits for commercial property insurance vary based on the value of your property, equipment, and other assets. Coverage ranges from $100,000 to $1 million.
Damage to your office or garage due to fire, natural disasters, vandalism, or theft
Replacement or repair costs for specialized equipment used in your shuttle bus operations
Business interruption insurance covers lost income and ongoing expenses if your shuttle bus operations are temporarily halted due to a covered event
Equipment breakdown insurance protects against financial losses caused by the breakdown of essential equipment, such as HVAC or computer systems
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $320,000 | $25,000/$500,000 | $75,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
A business owner’s policy (BOP) offers shuttle service insurance that combines the essential coverage of general liability insurance and commercial property insurance into a single comprehensive package.
This specialized policy provides shuttle bus operators with a convenient and cost-effective solution to mitigate liability and property-related risks, ensuring the smooth operation of their business.
The coverage limits for a business owner’s policy are $1 million-$2 million for the liability coverage and $25,000-$60,000 for the commercial property coverage.
Accidents resulting in bodily injury or property damage caused by your shuttle bus
Damage to your office space, garages, or other owned property
Lawsuits related to negligence, personal injury claims, or advertising liabilities
Cyber liability insurance protects your shuttle bus business from cyber threats, data breaches, and associated liabilities
Professional liability insurance covers claims arising from professional errors, negligence, or omissions in your shuttle bus services
Employment practices liability insurance (EPLI) covers lawsuits related to employment practices, such as wrongful termination, discrimination, or harassment claims
A business owner’s policy offers convenience and potential cost savings by bundling essential coverages into a single policy.
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| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Shuttle bus businesses rely on specialized tools and equipment to ensure smooth operations. Tools and equipment insurance covers the repair or replacement of essential items, providing comprehensive protection.
Coverage limits for tools and equipment insurance vary based on the value of the insured items. They typically range from $10,000 to $100,000 or more.
Theft or damage to tools and equipment used for maintenance or repairs of shuttle buses
Accidental damage or loss of specialized machine diagnostic equipment
Coverage for rental equipment in case your regular tools are temporarily unavailable
Leased or borrowed equipment endorsement extends coverage to the equipment you lease or borrow for your shuttle bus business operations
Equipment breakdown coverage covers sudden breakdowns of essential equipment, such as lifts, air conditioning systems, or diagnostic machinery
Tools and equipment insurance can cover the stolen items, allowing you to replace them and resume business operations.
Shuttle bus businesses with employees requires reliable workers’ compensation insurance. This type of shuttle insurance provides coverage for medical expenses, lost wages, and rehabilitation costs in the event of work-related injuries or illnesses, ensuring the well-being of your staff.
State laws typically determine workers compensation coverage limits. Therefore, there are no set payout amounts for workers compensation insurance.
Injuries sustained by drivers or other employees while operating or maintaining shuttle buses
Work-related illnesses or occupational diseases caused by exposure to harmful substances
Coverage for rehabilitation and lost wages during the recovery period
Employer’s liability insurance offers additional protection against lawsuits from employees who claim negligence or unsafe working conditions
Occupational accident insurance covers independent contractors or owner-operators not covered by traditional workers’ compensation insurance
Operating shuttle buses requires commercial auto insurance to protect against potential accidents, property damage, or bodily injuries that may occur.
You will get $25,000 per injured person, $50,000 per accident, and $15,000 per property damage as the minimum. The coverage limits for commercial auto insurance depend on several factors, including the number of vehicles, their value, and the nature of your shuttle bus operations.
Collision coverage covers the cost of repairing or replacing your shuttle bus in case of a collision, regardless of fault
Comprehensive coverage covers damages to your shuttle bus resulting from non-collision incidents, such as theft, vandalism, or natural disasters
Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with a driver who lacks sufficient insurance coverage
Yes, depending on your location and the number of passengers you transport, there may be specific insurance requirements set by local authorities or regulatory bodies. It’s important to consult your insurance provider and adhere to these requirements.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $40 | $480 | $0-$500 |
| Commercial property insurance | $60 | $720 | $1,000-$2,000 |
| Business owner’s policy | $100 | $1,200 | $1,500 |
| Commercial auto insurance | $78 | $936 | $500-$1,000 |
| Tools and equipment insurance | $43 | $516 | $500-$1,000 |
| Workers compensation insurance | $107 | $1,284 | $2,000-$5,000 |
The average shuttle bus insurance cost is $40 per month or $480 per year for a $1 million general liability policy. Factors that affect shuttle insurance costs are claims history, business history, policy limits, deductibles, annual revenues, and number of employees. Here’s a table showing the cost of a $1 million general liability insurance from the best charter bus insurance companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $24 | $288 | Best overall; Fastest general liability insurance for shuttle buses |
| The Hartford | $30 | $360 | Workers compensation insurance for shuttle service companies |
| CoverWallet | $27 | $324 | Comparing shuttle bus insurance quotes online |
| Tivly | $33 | $396 | Comparing shuttle bus insurance quotes over the phone |
| Thimble | $35 | $420 | On-demand coverage for shuttle bus businesses |
| Hiscox | $38 | $456 | Tailored coverage for small businesses |
Compare quotes to further understand the average charter bus insurance cost. Click on the “Get Quotes” button on this page to start.
Get all the best quotes from leading providers in a click of a button!
Here are the top-rated charter bus insurance companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for art shuttle buses
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT is a leading provider known for offering comprehensive shuttle insurance coverage with competitive costs. Their tailored policies address shuttle service businesses’ unique risks, providing peace of mind and financial protection.
Best for: Best overall; Fastest general liability insurance for shuttle buses
Average cost: $24 per month
Our rating: 10/10
Streamlined online platform for quote comparison and policy management
Wide range of insurance coverage options, including general liability, commercial property, commercial auto, and more
Dedicated customer support team to assist with insurance inquiries and claims
Ability to customize coverage limits and policy features to suit specific business requirements
Additional fees may apply for certain policy modifications or endorsements
The claims handling process may vary depending on the insurance carrier selected
CoverWallet is a renowned insurance provider offering comprehensive coverage options for shuttle service businesses. They specialize in tailoring insurance solutions to meet the unique needs of shuttle bus operators.
Best for: Comparing shuttle bus insurance quotes online
Average cost: $27 per month
Our rating: 10/10
Well-established insurance company with a solid reputation
Tailored insurance solutions for shuttle service businesses
Offers competitive rates for shuttle service insurance
Limited add-ons to general liability insurance
The Hartford is a renowned insurance company offering comprehensive shuttle service insurance options. You can get a quote online or through an agent. What makes this company good is that it can create specialized insurance solutions if your business profile is poor.
Best for: Workers compensation insurance for shuttle service companies
Average cost: $30 per month
Our rating: 10/10
The simplified insurance purchasing process for small businesses
Focus on finding affordable quotes for shuttle insurance
Access to preferred insurance companies
Dedicated customer support to assist with insurance needs
Reliance on partnerships with insurance companies may impact the range of options available
Limited information is available regarding specific policy features and terms
Tivly is a platform that simplifies purchasing shuttle insurance for small businesses. They specifically cater to shuttle bus operators and assist them in finding affordable quotes from preferred insurance companies, streamlining the insurance buying experience and ensuring convenience and efficiency. Call now to compare quotes over the phone.
Best for: Comparing shuttle bus insurance quotes over the phone
Average cost: $33 per month
Our rating: 9/10
Customizable insurance options to match specific needs and schedules
Fast and convenient digital platform for purchasing insurance
Competitive pricing is suitable for small and medium-sized shuttle businesses
Pay only for coverage when needed, providing cost savings for fluctuating demand
Services may not be available in all states, restricting accessibility
Thimble Insurance provides shuttle insurance solutions tailored to the needs of businesses in the transportation industry. With flexible coverage options and on-demand policies, Thimble Insurance offers convenient and customizable insurance plans to protect shuttle operators and their vehicles.
Best for: On-demand coverage for shuttle bus businesses
Average cost: $35 per month
Our rating: 9/10
Obtain quotes and purchase policies conveniently online
Enjoy discounts when you buy two or more Hiscox products
Benefit from a 14-day money-back refund policy
Get coverage for work done anywhere in the world
Some specific coverage needs may require insurance from other providers
Coverage may not be available in Alaska, and business owners’ policies may have restrictions in certain states
Hiscox offers a general liability policy having worldwide coverage for shuttle bus operators. The policy also comes with add-ons such as tools and equipment and HNOA coverage. Other business insurance solutions you can buy from Hiscox are cyber liability insurance, business owner’s policy, workers’ compensation insurance, and commercial auto insurance.
Best for: Tailored coverage for small businesses
Average cost: $38 per month
Our rating: 9/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
0 / 10
Not recommended, worst company I've dealt with. Denying claims regularly.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
2 / 10
I never purchased the policy. The person I spoke with "Bruce" was condescending and argumentative. He kept repeating himself and talking in circles telling me what I HAVE TO DO, basically trying to bully me into purchasing commercial insurance. I wouldn't use this company if they were paying me!
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
Highest level of plan and customer service
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
My experience with AAA's business insurance was fairly good. Customer service is excellent, coverage is broad, claims process was efficient. I do recommend them.
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
0 / 10
State Farm's business insurance was such a bad choice for us. Worst communication, very unprofessional. Been insured for over 12 years through a local statefarm agent who we were having insurance for our own home, our personal cars, our own health insurance, workers compensation, all of our commercial autos that serve our business - our agent didn't inform us of raising our premium rates, of certain inspections, and send us very rude emails upon our policy cancellations that were caused by his... Read More
10 / 10
Extremely helpful, kind and knowledgable customer service team! I received a business insurance package that was tailored and personalized to my exact business needs! Excellent liability insurance. Their pricing for business insurance is not the most affordable you'll find, however it's better to pay more and know that you are covered well. We got coverage for $1M. In regards to claims, I haven't had any experience so cannot attest, but the rest was excellent so I'm sure claims will be great as... Read More
10 / 10
Customer service is fast and efficient. They were very caring about issues that we faced, checked them all and resolved our claims fast. State Farm is an excellent company. They gave us excellent business insurance coverage that was customized to our precise needs. We worked together to build the most suitable coverage to our needs, nothing more or less, while making sure the rate is good enough. State Farm's business insurance cost was very good compared to other companies, while maintaining a... Read More
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
highly recommended!
9.8 / 10
Chubb provides business insurance coverage for all size of businesses, from small local ones to huge multinational corporates, they are very fast to respond to your claims, their business insurance coverage is very advanced while being tailored to your needs, aka covering you from all sides without over-covering you to make you pay more like some companies do. I'm a very satisfied customer.
9.7 / 10
Very annoyed in 2020 they do not offer online quotes, however they are great at everything else. The coverage is amazing, customer service is world class, value of money is great (even when their rates are not the cheapest), fast and excellent handling of claims, very dedicated and business focused. The only other issue is since they cover all types and sizes of businesses, they do not seem to specialize in any of them specifically.
Not all those who wander are lost.
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