Bus Insurance in Vermont

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Bus insurance offers specialized commercial vehicle coverages for passenger buses and similar vehicles. Policies usually have coverages and limits adjusted for the high risks that buses present.

An insurance agent who specializes in bus and other commercial vehicle policies can help check whether a bus or other commercial vehicle policy offers better protection for a particular passenger van.

Collision Coverage
Comprehensive Coverage
Personal Injury Protection (PIP),

What is bus insurance?

Buses present significant risks, as an accident can result in both extensive property damage and extensive injuries. Insurance won’t do anything to stop an accident from occurring, but having bus insurance could help Vermont bus operators financially survive the consequences that follow.

Bus insurance offers specialized commercial vehicle coverages for passenger buses and similar vehicles. Policies usually have coverages and limits adjusted for the high risks that buses present.

What Vermont businesses need to carry bus policies?

Any Vermont business that operates buses on public roads likely needs a bus policy. Charters buses, tour operators, school districts, sports teams, churches and others might need a policy.

Businesses that have passenger vans might also consider a bus policy, but a more van-specific policy could be more appropriate. An insurance agent who specializes in bus and other commercial vehicle policies can help check whether a bus or other commercial vehicle policy offers better protection for a particular passenger van.

Should school districts look for specific provisions when selecting school bus insurance?

School bus insurance policies often have adjusted coverages, limits, terms and conditions that make them well-suited for insuring yellow buses. Nonetheless, districts should be careful to make sure that a policy has all of the provisions and protections they want before purchasing it.

An insurance agent who’s familiar with the details of school bus insurance policies can help districts check the specific coverages and terms of different policies. A knowledgeable agent will likely know what coverages and terms other districts have looked for, too.

What coverages are available to bus operators through these policies?

Bus policies typically come with many coverages, each of which provides distinct protections. Some coverages that policies normally make available are:

Collision Coverage, which may guard against damage to insured buses that occurs during multi-vehicle (including multi-bus) accidents
Comprehensive Coverage, which may guard against damage to insured busses that occurs during non-collision incidents
Personal Injury Protection (PIP), which may guard against injuries to passengers when they’re on buses
Medical Payments Coverage, which may guard against medical costs associated with passengers’ injuries
Bodily Injury Coverage, which may guard against injuries to pedestrians and people in other vehicles
Property Damage Coverage, which may guard against damage to other people’s and businesses’ physical property
Uninsured/Underinsured Motorist Coverage, which may guard against accidents with insufficiently insured drivers

There are several other coverages that policies can offer, and that bus operators might want.

Mike Bancroft is simply an amazing agent. When my business got burglarized, I was so upset and didn't know what to do. He was very prompt in calling me back and he put my mind at ease. He made me feel so much better and handled all of the paperwork immediately. His customer service is top notch and I highly recommend him!

Becci Kepnes-Letourneau

Our business was with the same trusted agent for over 20 years. Mike Bancroft offered to evaluate our policies and see if he could save us some money on both Workmen's Comp and general liability. He did, and in the process even moved us to better coverage. Mike also offers a superb quality of service. Cannot recommend highly enough.

StoryWorkz Creative

Mike Bancroft has been great to work with. He has assisted with my Business Auto, Tool Coverage, Homeowners and all other types of insurance needs. I wouldn't be surprised if they change their name to Paige, Campbell & Bancroft soon!

Lance Garrett

Extremely prompt, personable, and professional service! Despite only needing a workers' comp policy for one employee, Paige & Campbell was very receptive and ensured to shop my policy around to ensure I received a great price that was almost half of what another broker quoted me.

Jennifer L.

How much does insuring passenger buses cost?

Premiums for bus policies are based on many different factors, not the least of which is what type of buses a policy covers. School bus insurance policies will have different premiums than buses that insure charter and tour buses, and those may have different terms than a church or nonprofit’s bus policy.

Some of the details that normally affect premiums include the type, size and specific model of the bus, how the bus is used, where the bus is located, drivers’ experience and history, and numerous other factors.

One of the easiest ways to find out how much insuring specific buses would cost is by comparing policies with an independent insurance agent. An independent agent has the freedom to request and compare quotes from several different insurance companies, which makes comparing different companies’ policy offerings simple.

How can businesses in Vermont get bus insurance?

For help insuring buses that are registered in Vermont, contact the independent insurance agents of Paige & Campbell Insurance. Our experienced agents have helped many organizations find specialized commercial vehicle insurance, and we can help you find the bus insurance that your buses require.

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