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Our Services

Private School Bus Commercial Auto Insurance

PIC’s Private school bus commercial auto insurance is a specialized form of coverage designed to protect schools and transportation providers that operate buses or vans to transport students. Because these vehicles carry children and operate on fixed routes, often during peak traffic hours, they face unique risks that standard auto insurance does not adequately address. Having a customized school bus commercial insurance policy is essential for protecting students, drivers, vehicles, and the school’s financial stability.

Private school bus commercial auto insurance is not just about meeting legal or contractual requirements—it is about risk management and student safety. By working with the Professional Insurance Center, you’ll receive our expert private school insurance insider knowledge and experience. This will help you with school transportation risks and get the best options for success. Private schools can tailor coverage to their specific operations, fleet size, and routes. The right policy helps safeguard students, support drivers, protect vehicles, and provide peace of mind to school administrators and parents alike. Call PIC today and speak with one of our Private School Bus Insurance Specialists and request a FREE INSURANCE QUOTE TODAY!

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School Bus Liability Insurance

School bus liability insurance is a critical form of coverage designed to protect schools, school districts, and transportation providers from the financial risks associated with operating school buses. Because school buses transport children and operate in high-traffic environments, accidents or incidents can lead to serious injuries and substantial legal claims. Liability insurance helps ensure that schools are financially protected while maintaining a strong commitment to student safety.

The primary purpose of school bus liability insurance is to cover bodily injury and property damage claims resulting from an accident for which the school or driver is found legally responsible. This includes medical expenses, rehabilitation costs, legal defense fees, court judgments, and settlements. Given the potential for multiple passengers to be involved in a single incident, liability limits for school buses are typically much higher than those required for standard commercial vehicles.

Bodily injury liability is one of the most important components of school bus liability insurance. It covers injuries to students, pedestrians, occupants of other vehicles, and passengers on the bus. Even minor accidents can result in costly claims, and serious incidents may involve long-term medical care, making adequate coverage limits essential for protecting a school’s financial stability.

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School Bus General Liability Insurance

One of the key advantages of school bus fleet insurance is streamlined management. Adding or removing vehicles, adjusting coverage limits, and managing renewals is typically easier under a fleet policy. Schools with larger fleets may also benefit from more predictable premiums and potential cost savings compared to insuring each vehicle separately.

PIC evaluates several factors when underwriting school bus fleet insurance, including fleet size, driver qualifications, maintenance programs, safety records, routes, and claims history. Schools that invest in regular vehicle inspections, preventive maintenance, driver training, and strong safety policies are often viewed as lower risk and may qualify for better terms and pricing.

School bus fleet insurance is an essential component of a comprehensive transportation risk management strategy. By securing a policy tailored to their fleet size and operations, schools can protect their vehicles, drivers, students, and financial resources while ensuring reliable and safe transportation for the communities they serve.

Call us today and speak with one of our professional school bus liability specialists.

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Day Care Transportation Insurance

Our day care transportation insurance is a specialized form of coverage designed to protect child care providers that transport children to and from their facilities, as well as to school, activities, or field trips. Transporting young children carries heightened responsibility and risk, making it essential for day care centers to carry insurance that goes beyond standard auto policies. Proper coverage helps protect children, drivers, vehicles, and the financial stability of the business.

A core component of day care center transportation insurance is commercial auto liability coverage. This coverage applies when a center-owned or leased vehicle is involved in an accident and the day care center is found legally responsible. It helps pay for bodily injury and property damage claims, including medical expenses, legal defense costs, settlements, and judgments. Because multiple children may be riding in a single vehicle, higher liability limits are often recommended.

Start your FREE DAY CARE TRANSPORTATION VAN or BUS INSURANCE QUOTE.

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Church Bus Transportation Insurance

PIC's church bus insurance services provides specialized coverage designed to protect churches and faith-based organizations that operate buses or vans for transportation ministries. Whether transporting congregants to worship services, community events, youth activities, camps, or outreach programs, churches face unique risks that require insurance tailored to non-profit and volunteer-based operations. PIC's dedicated church bus insurance services help ensure safety, compliance, and financial protection while supporting the mission of your organization.

At the core of church bus insurance is commercial auto liability coverage. This coverage protects the church against claims of bodily injury and property damage resulting from accidents involving church-owned or leased vehicles. Because buses and passenger vans often carry multiple occupants, liability limits are typically higher than those found in personal auto policies. This coverage includes legal defense costs, medical expenses, settlements, and judgments arising from covered incidents.

Physical damage coverage is another key component of a comprehensive church bus insurance program. Collision coverage helps pay for repairs or replacement if a church bus is damaged in an accident, while comprehensive coverage protects against non-collision losses such as theft, vandalism, fire, hail, or severe weather. These coverages help churches maintain reliable transportation without placing unexpected financial strain on their budgets.

Our church bus insurance service often includes important supplemental coverages such as medical payments or personal injury protection, which can help cover medical expenses for injured passengers and drivers regardless of fault. Uninsured and underinsured motorist coverage may also be included, providing protection if an accident is caused by a driver who lacks sufficient insurance. We will help you get the comprehensive coverage you need to protect your organization. Call for a free church transportation insurance quote today and get covered quickly.

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Types of School Bus Insurance Coverages We Offer:

customized insurance policy, you get the flexibility to choose coverage options that are specifically suited to your business's needs. This ensures that you are fully protected against the range of risks associated with NEMT services, from accidents and vehicle damage to employee injuries and passenger-related claims. Let's take a look at the different types of coverage available to NEMT providers:

1. School Bus General Liability Insurance

General Liability Insurance is a fundamental component of any school bus charter policy. It covers a variety of incidents, such as bodily injuries to passengers while entering or exiting the vehicle, or property damage during the transportation process. For example, if a passenger sustains an injury while in transit or if a medical device is damaged during transport, this coverage will help cover medical bills, legal fees, and settlements, protecting your business from costly lawsuits.

2. School Bus Vehicle Coverage

Your fleet of vehicles is the backbone of your business. Customized vehicle coverage protects your fleet from damage due to accidents, theft, vandalism, or natural disasters. This coverage can extend to repairs and replacement costs, ensuring that your vehicles remain on the road, minimizing downtime and maintaining service continuity. Additionally, specialized coverage can be added for equipment such as lifts, ramps, or wheelchairs, which are often used to accommodate passengers with special medical needs.

3. Workers’ Compensation Insurance

Your employees—whether drivers, dispatchers, or support staff—are the heart of your business. Workers' Compensation Insurance offers critical protection for your workforce by covering medical expenses and lost wages in case of work-related injuries. Whether it's an employee injured while helping a passenger or a driver hurt in a minor accident, this coverage ensures that your staff is cared for, and it protects your business from potential lawsuits related to workplace injuries.

4. School Bus Fleet Insurance

Managing a fleet of bus vehicles can be complex, but PIC’s school bus fleet insurance makes it easier by bundling coverage for all your vehicles under one policy. School bus fleet insurance offers convenient protection for multiple vehicles, often at a discounted rate, making it more affordable than insuring each vehicle individually. This comprehensive coverage typically includes liability, collision, and comprehensive protection, and can be customized to include the specific needs of your transportation fleet.

5. School Bus Non-Owned Vehicle Insurance

If your business relies on third-party or non-owned vehicles to transport passengers, Non-Owned Vehicle Insurance can provide coverage for those vehicles. Whether employees are using their personal cars or renting vehicles for trips, this coverage helps protect your business from liability if an accident occurs while they are on the job.

6. School Bus Passenger Accident Coverage

School and educational services often involve transporting vulnerable passengers, so having additional passenger accident coverage is crucial. This protection helps cover medical expenses if a passenger is injured during transport, whether it's from an accident or while loading and unloading. It ensures that passengers receive the care they need, while shielding your business from the financial implications of such incidents.

7. School Bus Cyber Liability Insurance

In today’s digital age, protecting sensitive patient information is more important than ever. If your business manages records or other private data, Cyber Liability Insurance helps protect you against data breaches, cyberattacks, and online fraud. This coverage ensures that you remain compliant with privacy laws and protects your reputation in the event of a security incident.