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
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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.
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
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!