Bus Tours Insurance

Similar to auto insurance, commercial bus insurance can be broken up into several types of coverage. Due to the large size of a bus, it can cause extensive damages and injuries in an accident, so it is important to evaluate the appropriate limits on your coverage based on the potential costs of an accident.

• Liability Insurance: Liability is the most important coverage in your policy; it covers your company in case one of your buses is involved in an accident in which you or one of your hired bus drivers is at fault. Liability coverage has two parts. Bodily injury is portion of the liability policy covers the costs of medical care for a driver or passengers in another vehicle involved in the accident. Property damage is portion of the policy covers the costs of damage done to other vehicles or other people’s property.
• Collision Coverage: This insurance covers damage to your vehicle, regardless of who is at fault in the accident.
• Medical Payments Coverage: Pays for your medical expenses in the event of an accident, as well as those of your passengers. If any of your passengers do not have health insurance, or if anyone injured on the bus has high deductible health insurance, medical payments coverage can help cover the costs.
• Comprehensive Coverage: Comprehensive, or “other than collision” coverage, compensates you for loss due to things like vandalism fire, theft or damage from an object.
• Uninsured/Underinsured Motorists: Covers your accident costs if the driver at fault does not have sufficient insurance to pay for your damages.

Depending on how you use your bus, you may want to add additional riders or optional coverage types to your policy. For example if your passengers are children, you may want to protect your company financially if a driver or employee is accused of abuse or molestation. You can also consider excess liability coverage, known as an umbrella policy. Umbrella policies can dramatically increase your liability coverage limits to protect your business from liability claims that result in a lawsuit.

Taxi Insurance

Taxi insurance is specialized because as a taxi driver, you become explicitly responsible for the safety of passengers. It is important to get commercial taxi insurance that covers your vehicle against damage and theft, as well personal injury to you and your customers. Taxi cab insurance should also include a business interruption policy, because if your car is the only way that you earn money, and it breaks down, your income is at stake.

There are several requirements you have to meet to purchase a taxi insurance policy. You must be aged between 25 and 65, and you cannot have any convictions for vehicular manslaughter, possession of weapons or drug and alcohol problems. If you are eligible for taxicab insurance, there are various ways you can find savings and get discounts to make your coverage more affordable. One of our agents can help you compare taxi insurance quotes and make sure you get the right coverage for your needs.

Discounts Available for Taxi Insurance

When you look for online taxi insurance quotes, you may not see all of the available discounts. The price of your taxi insurance premium will vary depending on driving experience, personal circumstances and any extra coverage you need. Here are five questions you should think about that might help you lower your premiums:

Have you owned a commercial auto in the past? Some taxi insurance companies will consider your experience using a business vehicle and offer you a discount on your premium.

Are you a home owner? Taxi insurance companies may offer you a considerable discount if you own a house. Premiums are calculated on the risk you present to the insurers; the more reliable you are the less of a risk you will be to insure.

Are you married? Married drivers can get cheaper taxi insurance for the same reason as home owners – they are statistically more responsible behind the wheel. Any detail that reduces your risk is worth disclosing to taxi insurance companies.

Do you work as an executive driver or chauffeur? These are lower cost alternatives to driving a taxi. You will find that taxi cab insurance is more expensive than other commercial car insurance. Becoming an executive driver may be a viable alternative for you.

Can you adjust the amount of commercial taxicab insurance you buy? Additional extras can easily add up. Just make sure you consider how much taxi insurance coverage you need to cover the risks you face.

If you are unsure about the amount of taxi insurance you need, talk with one of our agents about your options. We specialize in commercial auto insurance and can support all of your business insurance needs from one central office.

Limousine Insurance

Your limousine customers turn to you for reliable service, whether to get them to the airport or to transport their party guests around town. As long as you manage the demands of traffic congestion, flight delays and important customers, you will continue to be in business. When you have a problem with your limo, you need to be able to fix it quickly and be back on the road as soon as possible.

You also need to be covered if a serious incident leaves you and your drivers exposed to a large liability claim. All of these issues make it important to have the right limo insurance in place.

How to Save Money on Your Limo Insurance?

• Hire experienced and qualified drivers with an excellent driving record
• Maintain a good credit score
• Require all drivers take a safe driving course
• Find discounts you qualify for, such as claims-free discounts

How Is Limousine Insurance Different?

Limousine insurance companies offer commercial auto insurance that matches the specific needs of limo services. Because your business involves the transportation of people in your car, van or limo, you need coverage that protects your passengers and covers your risk for a liability claim. Your limo coverage may need to include:

• Personal Injury Limousine Insurance: Personal injury insurance will cover the cost of accidents and injuries involving your limousine. This coverage can include medical bills, rehabilitation, lost wages and even funeral expenses. It will typically also cover you for pedestrian accidents, regardless of who is at fault.
• Uninsured and Underinsured Coverage: Uninsured/underinsured motorists insurance is an important coverage to consider including in your limousine insurance quotes. This coverage protects you in the event you or one of your drivers is in an accident caused by a driver who does not have adequate coverage to pay your costs. Many states make this insurance mandatory for limousine operators.
• Employment practices liability insurance: The limousine drivers for your car, van or limo should be covered by employment practice insurance. This type of insurance will protect your limousine company if one of your employees or chauffeurs accuses you of sexual harassment, discrimination or wrongful termination.
• Bodily injury insurance for limousine drivers: Whether or not your state requires bodily injury insurance, it is a good idea for your limo drivers to have this coverage in the event that they are at fault for an accident. The coverage will include legal fees if your limousine company is sued, as well as the more immediate medical and rehabilitation bills.
• Property damage liability: Your limousine insurance should include property damage liability to cover the cost of any property damage that you or your drivers cause while on the job. This portion of your policy will also cover the costs of legal fees, up to the limits of your policy, if the person with damaged property takes you to court.