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  • Home
  • About Us
    • Service Areas
    • Our Advantages
  • Coverages
    • Builders Risk Insurance
    • Business Owners Policy
    • Carpenter Insurance
    • Commercial Auto Insurance
    • Commercial Property Insurance
    • Commercial Umbrella Insurance
    • Contractors Insurance
    • Cyber Insurance
    • Electrician Insurance
    • Employment Practices Liability
    • Equipment Breakdown Coverage
    • Excess Liability Coverage
    • Garage Keepers Insurance
    • General Liability Insurance
    • Handyman Insurance
    • HVAC Contractor Insurance
    • Lawn Care Insurance
    • Masonry Insurance
    • Motor Truck Cargo Insurance
    • Moving Insurance
    • Non-Trucking Liability Insurance
    • Painters Insurance
    • Plumbing Insurance
    • Physical Damage Insurance for Trucks
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    • Warehouse Legal Liability Insurance
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  • Specialties
    • Box Truck Insurance
    • Bus Insurance
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  • Home
  • About Us
    • Service Areas
    • Our Advantages
  • Coverages
    • Builders Risk Insurance
    • Business Owners Policy
    • Carpenter Insurance
    • Commercial Auto Insurance
    • Commercial Property Insurance
    • Commercial Umbrella Insurance
    • Contractors Insurance
    • Cyber Insurance
    • Electrician Insurance
    • Employment Practices Liability
    • Equipment Breakdown Coverage
    • Excess Liability Coverage
    • Garage Keepers Insurance
    • General Liability Insurance
    • Handyman Insurance
    • HVAC Contractor Insurance
    • Lawn Care Insurance
    • Masonry Insurance
    • Motor Truck Cargo Insurance
    • Moving Insurance
    • Non-Trucking Liability Insurance
    • Painters Insurance
    • Plumbing Insurance
    • Physical Damage Insurance for Trucks
    • Roofing Insurance
    • Small Business Insurance
    • Snow Plowing Insurance
    • Trailer Interchange Insurance
    • Warehouse Legal Liability Insurance
    • Workers Compensation Insurance
  • Specialties
    • Box Truck Insurance
    • Bus Insurance
    • Cargo Van Insurance
    • Commercial Truck Insurance
    • Dump Truck Insurance
    • Flatbed Insurance
    • Fleet Insurance
    • Limousine Insurance
    • Semi Truck Insurance
    • Occupational Accident Insurance for Truckers
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    • Tow Truck Insurance
    •  Tractor Insurance
  • Quotes
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    • Certificate Requests
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logotype
  • Home
  • About Us
    • Service Areas
    • Our Advantages
  • Coverages
    • Builders Risk Insurance
    • Business Owners Policy
    • Carpenter Insurance
    • Commercial Auto Insurance
    • Commercial Property Insurance
    • Commercial Umbrella Insurance
    • Contractors Insurance
    • Cyber Insurance
    • Electrician Insurance
    • Employment Practices Liability
    • Equipment Breakdown Coverage
    • Excess Liability Coverage
    • Garage Keepers Insurance
    • General Liability Insurance
    • Handyman Insurance
    • HVAC Contractor Insurance
    • Lawn Care Insurance
    • Masonry Insurance
    • Motor Truck Cargo Insurance
    • Moving Insurance
    • Non-Trucking Liability Insurance
    • Painters Insurance
    • Plumbing Insurance
    • Physical Damage Insurance for Trucks
    • Roofing Insurance
    • Small Business Insurance
    • Snow Plowing Insurance
    • Trailer Interchange Insurance
    • Warehouse Legal Liability Insurance
    • Workers Compensation Insurance
  • Specialties
    • Box Truck Insurance
    • Bus Insurance
    • Cargo Van Insurance
    • Commercial Truck Insurance
    • Dump Truck Insurance
    • Flatbed Insurance
    • Fleet Insurance
    • Limousine Insurance
    • Semi Truck Insurance
    • Occupational Accident Insurance for Truckers
    • Taxi Insurance
    • Tow Truck Insurance
    •  Tractor Insurance
  • Quotes
  • Payments
  • Blog
  • Contact
    • Certificate Requests

Bus Insurance

HomeBus Insurance
  • What is it?

Bus insurance might offer California bus operators financial protection if there happens to be an accident.

  • Who’s it for?
  • Coach bus operators
  • Charter bus operators
  • School districts
  • Tour companies
  • What is offered?
  • Personal Injury Protection
  • Medical Payments Coverage
  • Bodily Injury Coverage
  • Collision Coverage
  • Get a Quote
Get a free quote!

Bus Insurance in California

Running a business that involves the use of a bus can be a challenge. You have enough on your plate between finding the right driver, managing passengers, maintenance, and insurance. Whether you own one vehicle or a fleet, Truck Writers Insurance Services understands the unique exposures you face and we’re dedicated to bring you a solution that maximizes your coverage and minimizes your costs.

We can offer the following insurance products:

  • Auto Liability
  • Physical Damage
  • Motor Truck Cargo
  • Trailer Interchange
  • General Liability
  • Workers’ Compensation
  • Commercial Property
  • Warehouse Legal Liability
  • Excess & Umbrella Liability
  • Employment Practices Liability
  • Non-trucking Liability & Physical Damage
  • Occupational Accident
  • Cyber & Management Liability

Here are just some of the business types we can help with:

  • Airport Shuttles
  • Charter
  • Sight-seeing
  • Schools
  • Non-profits
  • Hotels
  • Limousine
  • And More…

Get A Quote!

What is Bus Insurance?

Bus operators are exposed to significant potential risks, for the damage and injuries that could occur during an accident are substantial. Bus insurance isn’t able to prevent an accident from happening, but it might offer California operators financial protection if there is one.

Bus insurance is specialized commercial vehicle insurance for bus operators. Insurance companies consider the size and passenger capacities of buses when underwriting these policies, which is partly what makes these policies unique.

Bus Insurance California

What California Businesses Need Bus Policies?

Most organizations that operate buses in California ought to have a bus policy in place, for insurance is generally required and this tends to be the most appropriate type of insurance for buses. A few examples of organizations that might operate buses are:

  • Coach bus operators
  • Charter bus operators
  • School districts
  • Tour companies

In some cases, businesses that have full-size vans need insurance coverages similar to what bus policies offer. Whether a bus or other vehicle insurance is best for a company-owned van depends on the specifics of the vehicle and situation, however. An insurance agent who specializes in bus policies can help businesses determine what type of policy they should purchase.

What Coverages Are Available Through Bus Policies?

Bus policies typically come with multiple coverages so that the policies can provide robust protection. Some coverages that are commonly made available include:

  • Personal Injury Protection: May cover injuries to a bus’s passengers
  • Medical Payments Coverage: May cover medical costs related to passengers’ injuries
  • Bodily Injury Coverage: May cover injuries to persons not on a bus
  • Collision Coverage: May cover bus damage that occurs during an accident
  • Comprehensive Coverage: May cover bus damage occurring during other incidents
  • Property Damage Coverage: may cover damage to others’ property
  • Underinsured/Uninsured Motorist Coverage: May cover accidents involving uninsured drivers

When considering each of these coverages, personal injury protection (PIP) and medical payments deserve special attention. An experienced insurance agent can help bus operators consider what the liability resulting from multiple passenger injuries could be, and select limits for these coverages accordingly.

Do Bus Operators Need Workers Compensation?

California generally requires businesses that have employees to carry workers compensation coverage, which covers most workplace injuries. Bus operators usually have to carry the coverage.

Whether workers compensation is included within a bus policy depends on the particular policy, though. It’s sometimes purchased with a bus policy, and other times it’s acquired through a separate, stand-alone policy. Either way, an insurance agent who’s familiar with bus policies can likely also assist with finding workers compensation.

How Much Are Premiums for Bus Policies?

Bus policy premiums vary, because they’re based on many different factors. Premiums are frequently impacted by the following:

  • How many buses an operator owns
  • How many passengers each bus holds
  • How many miles each bus is driven annually
  • How long drivers have had commercial licenses
  • Whether drivers have recently been in accidents
  • Where a bus operator is located
  • Where a bus operator serves

In some cases, whether children and/or wheelchairs are taken onto a bus can also have a noticeable effect on premiums.

To find out how much insurance will cost in a particular situation, bus operators can talk with an independent insurance agent. Whereas captive brokers are typically obligated to promote a specific insurance company, independent brokers don’t have any such obligation. Independent brokers are able to request and compare quotes across insurance companies, which makes seeing coverage and cost differences easy.

Bus Insurance California

How Can Bus Operators Get Bus Insurance?

If you need assistance insuring buses that are registered in California, contact the independent insurance brokers at Truck Writers Insurance Services. Our brokers are well-versed in many commercial vehicle insurances, and we have the expertise necessary to help you find the right bus insurance policy for your organization’s buses.

What people have to say about TWIS

Transmax is the world’s driving worldwide coordinations supplier — we uphold industry and exchange the worldwide trade.

“Great Work!”​
“Because a restaurant’s story is never complete, there is always something new and wonderful to discover. An evening spent at Transmax is like boarding a golden ship sailing through a Parisian night.”
Dominicana Rodrigez photo

Dominicana Rodrigez

Restaurant Client
“Great Work!”​
“Because a restaurant’s story is never complete, there is always something new and wonderful to discover. An evening spent at Transmax is like boarding a golden ship sailing through a Parisian night.”
Dominicana Rodrigez photo

Dominicana Rodrigez

Restaurant Client
“Great Work!”​
“Because a restaurant’s story is never complete, there is always something new and wonderful to discover. An evening spent at Transmax is like boarding a golden ship sailing through a Parisian night.”
Dominicana Rodrigez photo

Dominicana Rodrigez

Restaurant Client

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    © 2025 Truck Writers Insurance Services | This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.
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