Bus Insurance

Ideal Accounts and Appetite

This program supports a variety of passenger-transport operations. Typical accounts include:

• Church buses transporting congregations or youth groups
• Senior citizen center transportation services
• Daycare and social services vehicles
• Limousines, shuttles, and paratransit providers
• Private school buses and multi-passenger vans

SIU is a good fit when you need underwriting flexibility for drivers with non-standard histories or for vehicles with unique usage patterns that other markets may decline.

Coverage Highlights and Advantages

• Commercial Auto Liability and Physical Damage options
• Medical Payments and Uninsured/Underinsured Motorist coverage available
• Flexible driver qualification guidelines to help place borderline risks
• Competitive pricing for preferred and standard risks
• Quick online or phone quotes for accounts with up to five units

Whether the account is a small nonprofit transporting seniors or a private school operating several vans, SIU helps ensure clients have appropriate liability and damage protection on the road.

Underwriting Notes and Minimum Premiums

Minimum premiums vary by vehicle use, territory, and loss history. Underwriters provide fast indications and can discuss flexible options for one- to five-unit accounts. Be prepared to provide driving records, vehicle use details, and passenger type to speed placement.

Territories and Availability

This Bus Insurance program is currently available in the following states:

• Alabama
• Florida
• Georgia
• South Carolina

Markets are generally admitted in these states, though availability depends on the specific risk and underwriting criteria.

Why Work With Southern Insurance Underwriters, Inc.?

As a specialized Managing General Agency, SIU combines deep commercial transportation experience with market access and responsive service. Our underwriters focus on placing small passenger fleets that need tailored coverage or flexible guidelines. We help agents grow transportation books with practical solutions and quick decisions.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.