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Shuttle Bus Insurance: Cost & Quotes From $30/mo

Table of contents
1. Shuttle and Charter Bus Insurance Requirements2. General Liability Insurance for Shuttle Bus Businesses2.1. Coverage Limits of General Liability Insurance for Shuttle Bus Businesses2.2. Specific Situations Where This Insurance Can Help2.3. Add-Ons Available to General Liability Insurance for Shuttle Bus Businesses3. Commercial Property Insurance for Shuttle Bus Businesses3.1. Coverage Limits of Commercia l Property Insurance for Shuttle Bus Businesses 3.2. Specific Situations Where This Insurance Can Help3.3. Add-Ons to Commercial Property Insurance for Shuttle Bus Businesses4. Business Owner's Policy for Shuttle Bus Businesses4.1. Coverage Limits of Business Owner's Policy for Shuttle Bus Businesses4.2. Specific Situations Where This Insurance Can Help4.3. Add-Ons to Business Owner's Policy for Shuttle Bus Businesses4.4. Are There Any Advantages to Opting for a Business Owner’s Policy Instead of Separate General Liability and Commercial Property Insurance?5. Tools and Equipment Insurance for Shuttle Bus Businesses5.1. Coverage Limits of Tools and Equipment Insurance for Shuttle Bus Businesses5.2. Specific Situations Where This Insurance Can Help5.3. Add-Ons to Tools and Equipment Insurance for Shuttle Bus Businesses5.4. What if My Tools and Equipment Are Stolen From My Shuttle Bus?6. Workers Compensation Insurance for Shuttle Bus Businesses6.1. Coverage Limits of Workers Com pensation Insurance for Shuttle Bus Businesses 6.2. Specific Situations Where This Insurance Can Help6.3. Add-Ons to Workers' Compensation Insurance for Shuttle Bus Businesses7. Commercial Auto Insurance for Shuttle Bus Businesses7.1. Coverage Limits of Commercial Auto Insurance for Shuttle Bus Businesses7.2. Add-Ons to Commercial Auto Insurance for Shuttle Bus Businesses7.3. Are There Specific Coverage Requirements for Shuttle Buses That Transport Passengers Regularly?8. Shuttle Bus Insurance Cost9. Best Charter Bus Insurance Companies9.1. NEXT Shuttle Bus Insurance 9.1.1. Pros9.1.2. Cons9.2. CoverWallet Shuttle Bus Insurance 9.2.1. Pros9.2.2. Cons9.3. The Hartford Shuttle Bus Insurance 9.3.1. Pros9.3.2. Cons9.4. Tivly Shuttle Bus Insurance 9.4.1. Pros9.4.2. Cons9.5. Thimble Shuttle Bus Insurance 9.5.1. Pros9.5.2. Cons9.6. Hiscox Shuttle Bus Insurance 9.6.1. Pros9.6.2. Cons

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.

Shuttle and Charter Bus Insurance Requirements

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. 


General Liability Insurance for Shuttle Bus Businesses


CoverWallet NEXT (Best)Thimble HiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
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.


Coverage Limits of General Liability Insurance for Shuttle Bus Businesses

The coverage limits for general liability insurance typically range from $1 million to $5 million, depending on your business needs and requirements.


Specific Situations Where This Insurance Can Help

  • 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


Add-Ons Available to General Liability Insurance for Shuttle Bus Businesses

  • 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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Commercial Property Insurance for Shuttle Bus Businesses


CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
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 signsExcluded$2,500ExcludedExcludedIncluded
Accounts receivable ExcludedExcluded$5,000/$10,000ExcludedIncluded
Money and securitiesExcluded$2,500$1,000ExcludedIncluded
Lock and keys Excluded$2,500ExcludedExcludedIncluded
Business interruption floaterExcludedIncludedIncludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded


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.


Coverage Limits of Commercial Property Insurance for Shuttle Bus Businesses

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. 


Specific Situations Where This Insurance Can Help

  • 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


Add-Ons to Commercial Property Insurance for Shuttle Bus Businesses

  • 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


Business Owner's Policy for Shuttle Bus Businesses


CoverWalletNEXT (Best)Thimble HiscoxThe 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?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes


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.


Coverage Limits of Business Owner's Policy for Shuttle Bus Businesses

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. 


Specific Situations Where This Insurance Can Help

  • 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


Add-Ons to Business Owner's Policy for Shuttle Bus Businesses

  • 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


Are There Any Advantages to Opting for a Business Owner’s Policy Instead of Separate General Liability and Commercial Property Insurance?

A business owner's policy offers convenience and potential cost savings by bundling essential coverages into a single policy.


A group of people standing in front of a blue bus.


Tools and Equipment Insurance for Shuttle Bus Businesses


NEXT ThimbleHiscoxThe 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/$5,000NoYes
Miscellaneous equipment also covered?$5,000/$10,000NoYesYes
Offered as an endorsement to general liability insurance?YesYesYesYes
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 of Tools and Equipment Insurance for Shuttle Bus Businesses

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.


Specific Situations Where This Insurance Can Help

  • 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


Add-Ons to Tools and Equipment Insurance for Shuttle Bus Businesses

  • 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


What if My Tools and Equipment Are Stolen From My Shuttle Bus?

Tools and equipment insurance can cover the stolen items, allowing you to replace them and resume business operations.


Workers Compensation Insurance for Shuttle Bus Businesses

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.


Coverage Limits of Workers Compensation Insurance for Shuttle Bus Businesses

State laws typically determine workers compensation coverage limits. Therefore, there are no set payout amounts for workers compensation insurance. 


Specific Situations Where This Insurance Can Help

  • 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


Add-Ons to Workers' Compensation Insurance for Shuttle Bus Businesses

  • 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


Commercial Auto Insurance for Shuttle Bus Businesses

Operating shuttle buses requires commercial auto insurance to protect against potential accidents, property damage, or bodily injuries that may occur.


Coverage Limits of Commercial Auto Insurance for Shuttle Bus Businesses

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.


Add-Ons to Commercial Auto Insurance for Shuttle Bus Businesses

  • 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


Are There Specific Coverage Requirements for Shuttle Buses That Transport Passengers Regularly?

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.

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Shuttle Bus Insurance Cost


Cost per MonthCost per YearDeductible
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 MonthCost per YearBest for
NEXT$24$288Best overall; Fastest general liability insurance for shuttle buses
The Hartford$30$360Workers compensation insurance for shuttle service companies
CoverWallet$27$324Comparing shuttle bus insurance quotes online
Tivly$33$396Comparing shuttle bus insurance quotes over the phone
Thimble$35$420On-demand coverage for shuttle bus businesses
Hiscox$38$456Tailored 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. 

Compare Cheap Shuttle Bus Insurance Quotes Online

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Best Charter Bus Insurance Companies

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. 


NEXT Shuttle Bus Insurance

Pros

  • 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 

Cons

  • 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


CoverWallet Shuttle Bus Insurance

Pros

  • 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

Cons

  • 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


The Hartford Shuttle Bus Insurance

Pros

  • Well-established insurance company with a solid reputation

  • Tailored insurance solutions for shuttle service businesses

  • Offers competitive rates for shuttle service insurance

Cons

  • 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


Tivly Shuttle Bus Insurance

Pros

  • 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

Cons

  • 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


Thimble Shuttle Bus Insurance

Pros

  • 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

Cons

  • 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


Hiscox Shuttle Bus Insurance

Pros

  • 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

Cons

  • 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


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