Bus Insurance

Specialty insurance solutions for bus services and bus companies.
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Protect Your Passengers and Protect Your Business with XINSURANCE's Customized Bus Insurance Solutions

Whether you own a fleet, operate a bus, or own a company that provides a bus service, XINSURANCE will provide an insurance solution tailored to your unique needs.

What is Bus Insurance and Why You Need It

XINSURANCE’s Bus Insurance solution is a commercial vehicle insurance policy that insulates drivers and fleet owners against costs associated with accidents, natural disasters, theft, and other mishaps.

If your bus is involved in an incident, you may find yourself facing significant legal fees, damage expenses, or medical bills. Paying these fees outright would require a significant amount of liquid funds — something many businesses lack. With a bus liability insurance policy, you’ll pay a premium so that your insurance carrier will cover some or all of the costs after a covered incident.

At XINSURANCE, we customize insurance plans for bus companies, bus services, and bus owners with limits that can cover up to $20 million. We provide insurance solutions that can cover accidents, theft, natural disasters, third-party bodily injury, injury, third-party damage, towing expenses, and more.

Types of Buses That Can Benefit from Bus Insurance

  • Commercial Buses
  • Private Buses
  • Personal Buses
  • Tour Buses
  • Party Buses
  • Shuttle Buses
  • Paratransit Buses
  • Charter Buses
  • School Buses
  • Bus Drivers
  • Fleet Owners
  • Bus Services
  • Bus Companies
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Bus Insurance Coverage Options

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Hired & Non-Owned Auto*

Covers expenses for third-party property damage and bodily injury when an accident occurs with a vehicle, used for business purposes, that isn’t owned by the company.

*Available in most states

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Inland Marine

Can provide physical damage protection for buses while they are being stored, transported, or rented. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Active Shooter Liability

Liability protection in the event of an active shooting taking place on company property or on your bus. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you or an employee, such as a bus driver, regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you or an employee, such as a bus driver, regarding sexual abuse and/or molestation.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

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Free MVR Monitoring and Reporting Guide

Whether your business has a fleet of buses or just one or two drivers on the road, it could be at risk for a costly lawsuit.

Learn how to reduce your liability risk with this free guide about MVR Monitoring and reporting in the transportation industry.

Download Guide

How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Learn More

How Much Does Bus Insurance Cost?

The cost of bus insurance depends on various factors, such as the size and type of the bus, the coverage limits, the number of buses in the fleet, the driving records of the drivers, and much more. To get an accurate quote for bus insurance, it is best to contact XINSURANCE directly for a personalized assessment.

Can XINSURANCE Provide Coverage for Different Types of Buses, Such as Tour Buses or Charter Buses?

Yes, XINSURANCE offers coverage solutions for various types of buses, including tour buses, charter buses, shuttle buses, party buses, and much more. We understand the specific risks associated with different types of buses, and our insurance solutions can be tailored to meet the unique needs of each bus operation.

Can I Get Bus Insurance Coverage for a Single Bus or Small Fleet?

Absolutely! XINSURANCE offers customized insurance solutions tailored to your specific needs, whether you have a single bus, small fleet, or large fleet. We understand that every bus operation is different, and we are here to provide the right coverage for your business, regardless of size or experience.

Do You Cover School Buses That Are Converted to RVs?

Yes, we provide insurance solutions for school buses and any other bus converted into an RV. Contact us today to get a personalized quote!

Why Should I Have Bus Insurance?

You need Bus Insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Bus liability insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some places, liability insurance may be required.

Can I Be Insured if I've Been Dropped or Rejected by an Insurance Company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. From new bus companies to established businesses, new or old buses, or newly hired drivers to ones with a history of accidents, we are committed to finding the right coverage options for you.

In short, we provide an insurance solution when others can’t or won’t.

What Coverage Do I Need for My Bus Company's Insurance Policy?

The type of insurance coverage needed for your bus operations will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick which coverages you want to have on your insurance policy.

Bus Accident Statistics

There are some important facts to know that help us understand why bus insurance is so important. Take a look at these facts pulled from the FMSCA and Paulson Coletti.

  • On average, there are nearly 60,000 bus accidents each year in the United States.
  • Most bus accidents are property damage only, but each year, thousands of people are injured.
  • From 2016 to 2019, large truck and bus injury crashes increased by 13% (from 112,000 in 2016 to 127,000 in 2019).
  • On average, from 2009 to 2019, intercity buses accounted for 12%, and school buses and transit buses accounted for 39% and 34%, respectively, of all buses involved in fatal crashes.
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Bus Liability Insurance Solutions

Whether this is your only bus or you own a large fleet, we can provide an insurance solution based on your needs.

If you have an existing insurance policy, we can take a look at it to identify any gaps or exclusions that are leaving you exposed. Upon review, we may offer insurance solutions that fill the gaps and give you true peace of mind.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service