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School Bus Liability Insurance

Protecting Students, Drivers, and Owners with School Bus Liability Insurance

There are few vehicles more recognizable than a school bus. And few vehicles carry such important cargo! School bus safety and liability is a big concern for many different groups, from students and their parents to the owners and operators of transportation companies. Not to mention the drivers themselves who are tasked with transporting the youngest of our population every day.

Risks and School Bus Liability Insurance

Drivers and commercial vehicle company owners need to be protected with school bus liability insurance. Without it, the financial risks are substantial.

Consider this $1,350,000 settlement for a NYC pedestrian, who was hit by a bus at a crosswalk. The pedestrian suffered serious injuries including multiple fractures and a herniated spinal disc. She sued both the bus driver and the owner of the bus, making a claim that the driver was negligent and that the company owner was liable for those negligent actions too. When the parties agreed to settle the case, the plaintiff received the full $1,000,000 limit of the defendant’s primary insurance policy and $350,000 from their excess policy. Without school bus liability insurance, the defendant would have had to find that settlement amount.

There are many similar cases out there, such as the 30-plus lawsuits against a school and its transportation provider regarding a fatal school bus crash. It’s not all about traffic safety, either. This school district is facing a lawsuit alleging negligence stemming from a sexual assault on a bus.

School districts, drivers, and transportation companies can be held liable for school bus incidents in many ways. Students can be injured entering or exiting the bus or on board the bus. Pedestrians, cyclists, and other vehicles can be struck. Abuse of all kinds can happen on board. Whatever the situation, school bus liability insurance provides critical protection.

Offering School Bus Liability Insurance

As an insurance producer, you can write more business and protect your clients by offering school bus liability insurance through Prime Insurance Company. Our commercial auto insurance offers coverage for any automobile used for business purposes, including school buses. Our insurance includes options for:

  • auto liability
  • fleet liability
  • auto physical damage
  • new operators coverage
  • drive away coverage
  • and more

We also offer excess coverage, an important consideration given the hefty financial damages often awarded in school bus cases.

We understand that it can be hard to find good school bus liability insurance, as the risks in this industry are understandably high. Fortunately, we specialize in handling high risks. If there’s a way to secure coverage for your client, we will find it. We will do so, even if they have been declined in the past. We look at all of the factors in providing insurance to make sure that your client has the coverage they need.

Your clients know that there is a lot at stake when it comes to owning, operating, driving, or working with a school bus in any way. We understand that too, which is why we work with every client to offer risk management support. We carefully look at your client’s typical practices and policies and offer expert advice to reduce and mitigate risk. With so much at stake, we know that your clients want to provide the smoothest, safest ride. We’re here to help with a strong, professional understanding of this niche industry.

We are prepared for the fact that accidents happen. If your clients file a claim, our team will work diligently and quickly, responding efficiently and fairly. We communicate transparently with you and your client to ensure that you have all the necessary information. And we are available with 24-hour assistance.

As an insurance producer, you want to serve your clients well, covering all of their needs. Prime Insurance Company is your partner in this with our innovative solutions, custom underwriting expertise, and dedication to handling adverse claims, loss history, and other circumstances that make insurance coverage challenging.

We’re happy to show you exactly how it works so that you can write more business and keep your clients satisfied with their insurance coverage. To get started with school bus liability insurance through Prime Insurance Company, use our convenient online application form.

If you have other questions or want more information, we’re pleased to connect. Get in touch by emailing quotes@primeis.com, call us at 800-257-5590 or go to our website at primeis.com. For more about us, follow us on Facebook, YouTube, LinkedIn, and Instagram, or read our blog.


rick lindseyAuthored by Rick J. Lindsey, CEO, President, and Chairman of Prime Insurance Company

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. Prime Insurance also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are Prime Insurance can help.

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