Operating buses comes with significant risk, for the damage and injuries that can occur during accidents often are substantial. Massachusetts bus operators generally need bus insurance to protect against various risks.
Bus insurance is specialized commercial auto insurance for buses. The insurance normally is designed for the high costs that extensive injuries and property damage can lead to.
Most businesses and organizations that operate buses need bus policies. Massachusetts law normally requires auto coverage for buses, and this tends to be the best way to insure them.
Policies are available for many different buses. Standard bus policies may insure charter buses, coach buses, and tour buses, while specialized school bus insurance policies are also available.
Some businesses that have passenger vans might also find that a bus policy provides the coverages they want. An insurance agent who specializes in bus policies can help businesses with vans determine whether this or another policy option is better for their vehicles.
While the coverages available through standard bus policies and school bus insurance policies can vary, most bus policies make certain protections available:
Personal injury protection is commonly abbreviated and referred to as “PIP.” Schools should pay special attention to this and medical payments coverage when selecting limits for their school bus insurance policies.
Workers' compensation generally covers work-related injuries, and Massachusetts requires most employers to carry the coverage. Thus, bus operators typically need to have workers comp in place.
Whether a bus policy contains workers' compensation depends on the particulars of the policy. While it’s sometimes found within policies, operators frequently instead purchase the coverage through a separate policy that stands on its own.
In either case, a knowledgeable insurance agent can help bus operators find the workers' compensation that they need.
Premiums for bus policies are based on many factors. An operator’s region, types of buses, age of buses, annual mileage and location often have notable impacts on how much coverages cost. Drivers’ records, experience and endorsements can also affect premiums, as can many other details.
Professionals in private practice are another example of a business that would benefit from getting a general liability policy. A general liability policy may not cover work mistakes like malpractice, but a general liability policy often will help protect against common accidents that can occur around the office such as slip and falls, or protection against libel suits. Such protections are not offered on professional liability policies.
For help comparing bus insurance policies, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents can show you customized quotes from multiple insurers since we’re an independent Massachusetts agency, and we have the expertise necessary to help you determine which policy option is best for your buses. With our aid, you can have confidence that your business is protected well whenever its vehicles are on the road.
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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.
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