It’s not easy finding good insurance for your tour bus. Few insurance companies know how to handle your business. We can help. When you fill out one short form, we connect you with three insurance agents who understand the tour bus industry. They will compete for your policy and you save.
Why is tour bus insurance necessary?
Anyone who operates a sight-seeing business needs to completely cover their vehicles. A lot of things can happen on the road that can hurt your business. A passenger can be hurt. Your driver can be hurt. Your bus can be hit by another vehicle. Your driver could cause an accident that you’re responsible for. That’s why every state requires at least some form of commercial insurance. They want you to insure your drivers, your passengers, and your business. Ultimately this is good news for you. When you have insurance, you don’t have to worry about messy lawsuits that can sink your company.
What to look for in a Tour Bus Insurance Agent
Experience – The government has stuck up endless regulations on tour buses. They expect you to have everything in order. That’s why it’s so important to speak with an agent who knows what he’s talking about. An agent experienced in tour buses can reliably get you everything you need without any gaps in coverage. The guy who does your personal auto insurance is not qualified to write your business insurance. Get an agent who can shop between multiple tour-bus insurance companies.
Easy to Reach – You hope an accident never happens to you. But sometimes they do. After an accident, you need to be able to get ahold of your agent right that moment. You need someone who has your back in the moment, who can guide you through the process and make sure that you don’t make any mistakes. During non-business hours, it’s crucial to be able to reach a 24-hour claims service.
There are also instances when you’ll have to change your insurance quickly and produce a new certificate of insurance. You need an agent who can quickly change your policy and send you all the documents you need.
Cost – This is the big one. Insurance is a major overhead for sightseeing businesses. The cost of your insurance plays a huge role in your bottom line. Comparing policies is a must. If you don’t look at multiple quotes, then you have no way of knowing if you’re getting the best deal. Use our Compare Three Agents tool to get a quote from three experts at once.
What should your policy consist of?
Each and every state has certain requirement that tour businesses are obligated to follow. First and foremost: every state requires you to obtain commercial liability insurance. This coverage is meant to protect those around you like pedestrians and other motorists. If your driver gets into an accident where he’s at fault, commercial liability insurance pays for hurt pedestrians medical bills. It pays for car repairs for other vehicles.
In order to get the necessary licenses, you will be required to show proof of insurance. This will take the form of a certificate of insurance. Depending on the state, your certificate of insurance will have to show a different amount of coverage. New York, for example, requires all buses that carry more than 16 passengers to meet at least $5,000,000 in liability limits.