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Bus and Bus Conversions: What about Insurance?

As the childhood song goes, the wheels on the bus go round and round. If it would be up to the insurance industry, the lyrics would include something about the importance of proper coverage to keep your operation going. Here is an easy to understand synopsis of related commercial bus policies.

Related: insurance for the charter bus

Bus Insurance

Automobile Rating manuals list the standard for liability and physical damage insurance coverage for all types of buses.

A hard to place plan in standard markets, insurance companies consider a number of factors before they issue a policy to buses.

This includes:

  • Maximum amount of passengers
  • Miles traveled per year
  • Type of usage, i.e. urban city, airport, hotel, resort, school

Many US states mandate that insurance companies have minimum financial accountability limits in regard to the amount of passengers transported.


Bus Conversion Insurance

This type of insurance coverage is designed specifically for bands, entertainers, sports teams, and young people’s, religious and business groups that are transported to different localities and convert buses according to their individual needs. It is generally written by companies specializing in vehicles such as buses, RVs and motor homes.

These insurance companies customize coverage for converted buses so that they will be protected while on roadways and various locality stops gem.

Distinctive built-ins and accessories are bound into the coverage on a stated-value basis. Formalized interiors, lounge centers and dining and bedding accommodations, as well as computer systems and associated equipment can be included.


The commercial auto insurance specialists at Prime Insurance are available for more information on all forms of bus coverage. 


PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, THE HARTFORD, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


Summary: Prime Insurance spotlights insurance for buses and bus conversions in this informative summary.


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