Bus Insurance HQ

Get 3 Bus Insurance Quotes

  • Bus Insurance 101
  • Bus Insurance Tips
  • Get 3 Quotes Now
  • 843-790-6864

Party Bus Insurance

party bus insurance

Need a quote on party bus insurance? Why not get three? We can connect you with three licensed agents who will compete over your party bus insurance policy. Get started now!

Get three quotes on luxury limo bus insurance

Insurance covers the risks of running a party bus service

Even though you’ve hired the most qualified chaffeurs and anticipated every accident that could happen on the road, when insurance companies think about luxury limo bus services, they see dozens of rowdy, inebriated passengers standing inside a moving vehicle and just seconds away from sustaining an expensive injury. The insurance companies aren’t wrong. There are a lot of things that can happen on the road whether you prepare for them or not. A robust insurance policy can protect you against events that would otherwise sink your party bus rental service.

Collision with another vehicle – When one of your drivers is at fault during an accident with another vehicle, your business is responsible for any related car repairs. Property damage liability will cover these fees.

Hurt bystanders – Likewise, if someone outside of your bus is harmed in an accident deemed your chauffeur’s fault, you will be responsible for paying their medical bills. This is covered by bodily injury liability.

Injury to passengers – When a customer books one of your buses, they don’t usually worry about whether your insurance covers them. But after an accident, you better believe they’re concerned about your insurance policy. Medical payments insurance protects your passengers while they’re riding in your party bus.

Injury to chauffeurs – Every business past a certain size requires workers’ compensation insurance. This pays for any medical bills and missed work following an injury on the job.

How your price is calculated

As the demand for party buses has increased in recent years, so has the demand for insurance. Many new owners of luxury limo bus services are astounded at how much insurance will cost them. Others are pleasantly surprised. There are several factors that go into how much you pay for party bus insurance. These factors can inflate your premium or lower it dramatically. They include:

  • Your location
  • Your accident history
  • Whether you travel outside the state
  • Number of seats in your buses
  • The driving records of your chauffeurs
  • Number of miles you travel per year

How to get a cheaper quote on party bus insurance

1. Stay safe

The cheapest insurance is the insurance you never use. Insurance companies will flag you after even one claim. That’s why it’s so important to have a comprehensive safety program that your drivers take seriously. If you think your premium is high now, think about how much it’ll cost after a few accidents.

2. Hire experienced drivers

One way to stay safe is to hire drivers with a history of safe driving. Don’t skimp on background checks and accident histories when you’re hiring new chauffeurs.

3. Bundle your coverage

If you need commercial auto liability for your party bus, chances are you’ll need business insurance and general liability insurance as well. Ask your insurance agent whether he can help you get these coverages as well. Agents can typically get you discounts on your overall premium if you bundle it all through a single carrier.

4. Increase your deductible

If you are desperate for a lower price, you can always opt for higher deductibles. This, however, is a risky choice. Should you ever find yourself in an accident, you will be responsible for paying a higher out-of-pocket cost, erasing any savings you might have made.

5. Shop around!

Don’t automatically go with the first policy an insurance agent offers you. Compare prices from several agents at once. We’ve made this part easy. Just fill out our Request 3 Quotes form and we’ll connect you with three party bus insurance agents right away.

3 Party Coach Insurance Agents Compete

The Best Bus Insurance Quotes

Our Services

Every bus insurance website claims to have the best deal. But they can't all be right. Bus Insurance HQ helps you cut through the noise and get the actual deal by having three agents compete over your insurance policy at the same time … more

About Us

Bus Insurance HQ helps transit services get the best deal on insurance by connecting them to our network of agencies. When you request a quote from us, we match you with three independent brokers in your state who understand buses. They compete. You save … more

  • Get 3 quotes from 3 agents no matter your operation
  • Coaches, city transit, school transit, tour buses, private charter, promotion
  • New Ventures and Established operations
  • single decker, double-decker, articulated buses, midibuses, minibuses
  • 1 bus to large fleets | All 50 States

843-790-6864

commercial bus insurance brokers

Copyright © 2023 · Privacy Policy · Terms of Service · Site Map

  • Get Quotes
    Call Us