School bus insurance is a legal contract between the insurer and the policyholder that provides coverage for any unforeseen incident resulting in loss or damage to the students/staff travelling inside it. The school buses make countless trips every academic year, transporting the students securely, efficiently and economically. Therefore, if you own a bus, which is commercially used for the transportation of the students/staff from the various neighbourhoods, then buying school bus insurance is necessary and a smart choice.
School bus insurance is important as primarily it provides adequate cover against any unforeseen event. Besides, having school bus insurance ensures the safety of the drivers and passengers on the bus.
Generally, a school bus is owned, either leased or contracted to be operated by a school as it continuously is in the functioning of transporting the students from the school or any of the school-related activities. However, it does not include a transit or charter bus.
To operate a school bus, you will need a hired driver. Therefore, extensive liability coverage is important for the drivers, the passengers and the school district.
Moreover, a school bus is different from many other vehicles because of the following stated reasons:
Any bus, which has a seating capacity of more than 14 people, is considered a commercial passenger-carrying vehicle. Therefore, in case the bus is not in use for the transportation of students and is used otherwise, the owner needs to have commercial vehicle insurance.
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Damages caused to your School Bus in case of an accident.
Loss or damage of your School Bus due to theft.
Damages caused to your School Bus due to a fire.
Damages caused to your School Bus due to any natural calamity.
If your School Bus meets with an accident, leading to an injury or death of you or the driver using it.
Any damages caused by your School Bus to a third party or its passengers.
Any damages caused to your School Bus in cases where it's being towed.
It is equally important to know what’s not covered in your School Bus insurance policy so that there are no surprises when you make a claim. Here are some such situations:
In the case of a Third-Party Liability Only Policy, damages to own vehicle won’t be covered.
If the owner-driver of the insured School Bus is drunk or driving without a valid license
Any damage caused due to a contributory negligence of the owner-driver (such as driving when there’s an existing flood)
Any damage that is not a direct result of the accident/natural calamity etc.
We believe insurance was always meant to protect what one loves. We are here to ‘Make Insurance Simple’.