Bus & Motorcoach Insurance
Bus and motorcoach insurance covers the substantial liability of transporting large groups of passengers. A single accident involving a 45-passenger charter coach can generate claims in the tens of millions — far exceeding limits on a standard commercial auto policy. Federal and state minimum liabil…
Key Coverages for Bus & Motorcoach Businesses
- Commercial auto liability at FMCSA and state-required minimums ($5,000,000+)
- Physical damage: collision and comprehensive for buses and motorcoaches
- Passenger accident medical expense
- Uninsured/underinsured motorist
- General liability for terminal operations
- FMCSA and CPUC regulatory filings
Frequently Asked Questions
What liability limits are required for charter buses?
FMCSA requires a minimum of $5,000,000 in liability for buses designed to carry 16 or more passengers. Buses seating 9–15 require $1,500,000. Most tour operators also carry umbrella limits because a single accident can generate claims far exceeding t…
Does my bus policy cover passengers' luggage?
Baggage and personal effects for passenger belongings is not automatically included in a standard bus policy — it's available by endorsement. Most operators limit their liability for passenger property contractually; baggage coverage fills the gap fo…