Moving students around is important work that is not without risks. When the time comes to consider school shuttle insurance, how can you be sure you are getting the coverage you need? While ultimately it’s important to listen to a professional, you should also know some of the basic types of coverage to understand what you’re getting.
Liability coverage is the core of any vehicle insurance. If your vehicle causes an accident, the liability coverage pays for the damages and injuries to others.
Because liability does not cover your own damages or losses, having physical damage insurance is also important. The two main types of coverage that fall under this category are collision and comprehensive. Collision protection pays repair costs due to accidents. Comprehensive covers other events like weather, theft, and vandalism.
There are lots of other types of insurance that you may need if you operate school shuttles. Underinsured motorists, towing, rental, workers’ compensation, and property insurance may be necessary.
When it comes to insurance, school shuttle operators have a lot of risks that need to be mitigated. Knowing a little about the types of coverages an agent may discuss with you is important to make sure you understand what you’re getting with your policy.