Commercial Bus Insurance That Protects Every Passenger, Every Mile

Nationwide Commercial Bus Insurance Coverage That Protects Your Vehicles, Your Passengers, And Your Business From The Risks Of The Road.

Why Bus Operators Need Bus Insurance

Driving safely isn’t enough when you’re responsible for dozens of lives, tight schedules, and valuable equipment. One unexpected event can sideline buses, spark lawsuits, and drain your revenue.

Here are the risks bus operators face every day:

  • Passenger injuries that lead to lawsuits and skyrocketing medical costs
  • Accidents and breakdowns that cancel trips and put contracts at risk
  • Weather damage, theft, and vandalism that take vehicles off the road overnight
  • Event and charter exposures where alcohol or private functions increase liability
  • Lost income and penalties when schedules are disrupted and buses sit idle

For operators of all sizes, from a single party bus company to a full school district fleet, the stakes are too high to gamble. Without the right commercial bus insurance, one incident can cost hundreds of thousands, damage your reputation, and even shut down your business.

commercial bus insurance

Coverage for Every Type of Bus You Operate

Your commercial bus insurance policy is built around the vehicles you drive and the passengers you carry, with options for single routes, regional operations, or multi-state travel.

We provide:

  • School Bus Insurance – Meets state liability requirements and keeps students protected on every trip.
  • Shuttle Bus Insurance – Covers airport, hotel, and corporate shuttles against accidents, passenger claims, and downtime.
  • Party Bus Insurance – Higher liability limits and optional endorsements to address nightlife and alcohol-related risks.
  • Charter Bus Insurance – Protects long-distance tours and scheduled trips with comprehensive passenger and equipment coverage.
  • Private Bus Insurance – Tailored protection for churches, clubs, and other groups that transport members safely.
  • Coach Insurance – Comprehensive coverage for interstate coaches and tourism companies.
  • Small / Mini Bus Insurance – Affordable policies for minibuses and smaller fleets without sacrificing safety or compliance.

If it carries passengers, we can insure it, backed by fast bus insurance quotes, flexible financing options, and same-day certificates so you can stay on the road without delays.

What Our Commercial Bus Insurance Covers

With Alliance Insurance, you know exactly what your bus insurance includes – no surprises when it’s time to file a claim:

  • Auto liability coverage: Required by law for passenger carriers; covers injury and property damage you’re responsible for.
  • Passenger liability coverage: Protects against lawsuits and medical costs if riders are injured.
  • Collision coverage: Pays for repairs to your bus after an accident, no matter who was at fault.
  • Comprehensive coverage: Covers theft, fire, vandalism, storms, and other non-collision damage.
  • Medical payments coverage: Pays medical expenses for drivers and passengers regardless of fault.
  • Uninsured/underinsured motorist coverage: Keeps you protected when other drivers don’t carry enough insurance.
  • Property coverage: Safeguards depots, garages, and equipment tied to your operations.
  • Roadside assistance: Emergency towing and repairs to keep schedules running smoothly.
  • Optional endorsements: Add-ons like rental reimbursement, custom equipment coverage, or specialized terms for party bus, shuttle, or charter operations.

Every operation is different, so policies are customized to your bus type, passenger load, routes, and state regulations, so you’re never left paying for gaps you didn’t know existed.

cargo vehicles

Understand the Cost of Protection

Your commercial bus insurance cost depends on the type of service you run, vehicle values, and risk profile. Factors such as passenger capacity, driving records, and routes all influence premiums. For example:

  • A typical charter bus insurance cost per month reflects the higher liability limits needed for long-distance travel.
  • A private bus insurance cost is usually lower but must still cover passengers and property damage.
  • If you operate a converted vehicle, specialized school bus conversion insurance ensures your custom build meets legal and safety requirements.

Alliance Insurance compares rates from more than 100 A-rated carriers so you get competitive terms without compromising coverage.

Why More Operators Trust Alliance Insurance for Bus Coverage

Too many bus companies discover the gaps in their coverage when it’s already too late – after the accident, after the lawsuit, after the downtime. Alliance Insurance was built to prevent that. Here’s what sets us apart:

  • 40+ years of commercial insurance expertise in passenger transport risks
  • Fast quotes and binding so buses aren’t left idle
  • Flexible financing with low down payments and monthly installments
  • Access to 100+ A-rated carriers for the most competitive terms
  • Certificates and filings handled same-day to keep contracts moving
  • Nationwide coverage with local insight into state-specific requirements
  • Dedicated claims support from first notice through final payout

Don’t Let One Accident Put You Out of Service

One crash, passenger injury, or lawsuit can sideline your operation and drain your revenue. Get a bus insurance quote today and see how affordable real protection can be. With Alliance Insurance, your buses, your passengers, and your business reputation stay protected – mile after mile.

What Our Clients Have To Say

5.0
Based on 75 reviews
powered by Google
OC Transports LLC
23:05 22 Aug 25
I was in a very stressful situation. My insurance is due for renewal tomorrow and another insurance agency denied me after sending them almost a 10k wire for a down payment. They waited until 4:50pm on a Friday to tell me. I called Sonia and she got on it right away. She got me a quote that was fair and sent my documents right away meaning no lapse in insurance and I can continue running my trucks. I am so appreciative of her hard work and I can finally take a breath now. Thank you soooooo much Sonia.
Krysta Craan
02:46 08 Aug 25
Always an amazing experience! The team is so friendly, patient, and truly cares about helping you. They made everything easy to understand, and the rates are unbeatable. I’d 100% recommend them to anyone looking for insurance!
Demahni Hammitt
18:40 06 May 25
I was in a really tight situation with my insurance. For five years, I had been with an agent who I later found out was scamming me. I was frustrated and unsure of what to do next. I reached out to Sonia at Alliance last minute, and she came through for me in the best way possible. She got me a great quote and had everything reinstated in less than 24 hours with no overlapping issues at all. I’m beyond grateful for her professionalism and quick action. Thank you so much, Sonia! I will always continue doing business with you.
April Groover
22:27 05 Mar 25
I don't know how to put it into words to describe this group of people. If I had to use one word, I'll chose "AMAZING". I want to thank you all for making my situation easy and being the best team I've ever worked with. Juan & Sonia thank you two from the bottom of my family's hearts. my bad experience I encountered you guys made me feel hope and now I have the full faith again to push once more. Just know you all made a difference in my life and the lives of others.
Eduardo Gonzalez
22:32 27 Jan 25
I have dealt with many insurance agents in the past and it was very challenging to deal with them. I am not going to mention them by name, but the service I received in the past was horrendous with Agent not answering Phone calls or agents wanting to only communicate through text message Dealing with trucking insurance is complicated enough not to mention to have to deal with Insurance agent that don’t want to deal with certain situations with you, but I have to admit I found alliance Truck insurance CORP to be the Best experience I have ever had with insurance agents. They really care about the service that they provide to you. You call them and they answer their phones. They will talk to you through the whole process. And try to get you the best rates possible through this process I dealt with Sonia, which was fantastic I highly recommend speaking with her. I also dealt with Juan. Excellent give them a call. You will not regret it.
Abdullah Alhatemi
23:35 09 Jan 25
I couldn’t be more satisfied with the commercial truck insurance service I received. The team was incredibly helpful in customizing a policy that perfectly suited my business needs. They made the entire process seamless, from explaining all the options to offering competitive rates. The coverage is comprehensive, and I feel secure knowing that my fleet is well-protected. The customer service is top-notch, always responsive and ready to assist with any questions. Highly recommend them to any business owner looking for reliable and affordable truck insurance!

Sonia, thank you and your team for your support!
Haulzall
23:16 09 Jan 25
Dwayne Plass
23:14 30 Jul 24
giancarlo avila
14:09 21 Jul 24
I recently had the pleasure of working with Alliance Trucking Insurance Corp and was thoroughly impressed by their exceptional service and comprehensive coverage options. From the start, their knowledgeable and responsive team took the time to understand my business needs and provided tailored solutions. Their transparency and honesty, with no hidden fees or unexpected charges, instilled great confidence in their services. Additionally, the claims process was remarkably efficient and hassle-free, allowing my business to get back on the road quickly after an incident.

Alliance Trucking Insurance Corp offers competitive rates without compromising on quality. Their commitment to continuous improvement and staying updated with industry trends ensures that clients receive the most relevant and effective coverage. I highly recommend Alliance Trucking Insurance Corp to any trucking business seeking reliable and trustworthy insurance solutions.
C&J Outlets LLC
21:17 10 Jul 24
Mitzy Pulley
23:30 16 Jun 24
Excellent service and 💯 % recommended, I was looking for sure and were the only ones who helped me, especially Sonia.. Thank you 🙏
Jirau Boat life
18:22 12 Jun 24
Sonia is been since i started my first business she is professional and always there for you she takes care of her customers
Rocky Banks
12:26 12 Jun 24
I appreciate the service I was given from the team, Sonia Alvarez & Armando. They were hands on & very helpful with finding me commercial auto insurance. I appreciate and thank u guys for helping with getting me the right insurance.
Troy's Hauling
16:56 09 Jun 24
Mark
16:43 09 Jun 24
Sonia did a phenomenal job working with me and found me the best rates. Great communication and execution the whole way through. Juan and the rest of the team helped out as well and made this a very simple and stress free process. Thank you all!
Myriam Garcia
00:03 09 Jun 24
Miguel Alvarrz
21:55 08 Jun 24
Maite Martinez Cid
01:38 06 Jun 24
Alliance has top notch service along with very affordable options. Best experience I’ve ever had. They have won a loyal customer
Goat Danny
18:57 03 Jun 24
Their dedication to customer satisfaction, industry expertise, comprehensive coverage options, competitive pricing, and efficient claims handling make them the perfect choice for any trucking business. If you are looking for reliable and top-notch trucking insurance, look no further than Alliance Insurance Company. They truly go above and beyond to protect and support your business. 5 Star thank you so much.
miamivipservices
18:53 03 Jun 24
What impressed me the most was the comprehensive coverage options they offered. Whether it was liability, cargo, or physical damage coverage, Alliance Trucking Insurance had it all. They provided clear explanations of each policy, ensuring I understood the benefits and could make an informed decision. The flexibility in their plans allowed me to choose the coverage that best suited my business requirements and budget. Thank you Sonia.
Richard Mullin
22:18 28 May 24
We recieved exceptional service and expertise from Armando! We were thoroughly impressed with the time and effort he took to find us an excellent deal that met our needs. He broke down the quote in detail, offering personalized guidance on where we could save money without compromising on essential coverage. His reassuring answers to our questions and constant communication throughout the process made us feel confident and supported. Armando truly went above and beyond to ensure we felt informed and protected. Highly recommend his services - 5 stars isn't enough!
Luca Antonaccio
17:54 26 May 24
Great service experience! The team is knowledgeable and provides great recommendations. Thanks for the help!
George Utset
21:26 24 May 24
Carolina Gil
16:51 24 May 24
I have known the owner for over 15 years and they area awesome to work with. Responsible and fats with all our needs. Thank for a good service over the years.
Lenz Gutie
16:40 24 May 24
Excelent company
Maria Jimenez
13:36 24 May 24
AllianceTrucking Insurance Corp has been a great company to work with. Their rates are very good and low. The service is fast, great customer service.
E Crespo
11:12 24 May 24
Great knowledgeable and friendly service.
Zahira
01:23 24 May 24
Highly recommend Sonia, she is the best! 10 stars!
Karina Bencomo
01:14 24 May 24
Sonia is my go to! Such an amazing agent
Yanelis Morales
00:54 24 May 24
I recommend them one hundred percent, all the staff is very professional in their work, attentive, responsible, especially Sonia and Armando….!!!!
The11191964
00:39 24 May 24
Great service!!!! And professional service
George Diaz
00:16 24 May 24
Amazing service!! Armando is always there to help!! Very responsive, very professional! Highly recommended and will continue doing business here 🙏
stefanie sunar
20:45 22 May 24
Thank you Sonia at Alliance Trucking Insurance. Great service and professionalism will be recommending to others.
Tyson Harris
02:14 22 May 24
I was given the best quote available for me in a timely manner. I will definitely recommend Alliance
Maria Fernandez
23:00 21 May 24
I received great service and the staff made me feel like family. Great price
Ruben Acosta
22:50 21 May 24
Highly recommended and very professional staff
R X
22:36 21 May 24
Exceptional service is the least to say for this company. The staff here will carefully and meticulous attend to all the details and requirements that you have. They will keep their word and follow up with you on a timely manner. All this while trying to get you the best rates and policies available. They will go beyond just getting you a quick quote. They will ensure to make sure the insurance company takes into consideration every possible discount that they can offer.
This is definitely The Agency for all your insurance needs. Perfect service all the time.
Carlos Nazir
22:20 21 May 24
Juan Leon
21:01 21 May 24
If you're seeking an insurance agency that goes above and beyond to meet your needs, look no further than Alliance Insurance Agency. From the moment you walk through their doors, you're greeted by a team of friendly and welcoming staff who are dedicated to providing exceptional service. Their genuine warmth and professionalism set the tone for a positive experience from start to finish.

Alliance Insurance prides itself on its ability to handle all of your insurance needs with ease and expertise. Whether you're looking for coverage for your home, vehicle, business, or anything in between, their knowledgeable team is equipped to assist you every step of the way. No matter how complex your insurance requirements may be, you can trust Alliance to find the perfect solution for you at lightning speed.
Ethic Designer
17:11 09 May 24
Candelaria Bello
15:36 29 Apr 24
Excellent company and excellent service for anyone who needs insurance, for me they have 5 stars and Sonia 5 more, thank you
Sergio Uri
20:59 27 Mar 24
A game changer on commercial vehicle insurance.Thank you!
Chuck Brown
20:31 19 Mar 24
This place is amazing. They gave me a quote for my fleet account same day. The staff is extremely professional and courteous, not to mention easy on the eyes 😉. Highly recommend
Lazaro Rodriguez
19:47 19 Mar 24
Edward Guzman
21:21 13 Mar 24
Everyone was great, this company helped me a lot with my insurance, I recommend them, they are very attentive to everyone, thank you very much for your service and professionalism.
Danny ZionExtreme
05:28 07 Mar 24
Excellent Service I just got insurance for my trucks at the best price easy fast and affordable thanks guys.
Jamaal Riley
17:41 19 Feb 24
Anthony Cerezo
00:17 19 Feb 24
I’m not much for voicing my opinion on these platforms much less w/reviews but felt compelled to share the unique experience with this organization…. They will go out of their way to earn your business- Old School at its Finest !
samantha zelaya
00:12 19 Feb 24
Everytime we do business w/this Company it takes me back to when I was a kid and ate my favorite morning breakfast Sugar Frosted Flakes -
ton quote “Tony Tiger” its Grrrrreat !
Carla DeMarco
18:37 18 Feb 24
Great experience. Staff was very professional and helped with all my insurance needs. I highly recommend Alliance Insurance.
Santos Bencomo
18:18 18 Feb 24
Best insurance company to work with. Very helpful.
baby rusty
18:04 18 Feb 24
Alliance insurance is absolutely the place to go for all your insurance need, amazing customer service, and the best rated

Frequently Asked Questions About Bus Insurance

How much does commercial bus insurance cost?
The cost depends on the type of bus (school, charter, shuttle, party, or private), passenger capacity, driving records, routes, and claims history. On average, premiums can range from a few thousand dollars per year for small buses to tens of thousands for large fleets or high-liability operations.
Most policies include auto liability, passenger liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments. You can also add coverage for depots, equipment, roadside assistance, and specialized needs like party bus or charter bus insurance.
Yes. Federal and state laws require commercial buses that carry passengers for hire to carry auto liability coverage. The required limits depend on passenger capacity and whether you operate intrastate or interstate.
Yes. Passenger liability is essential for any operator, whether you run a shuttle bus, charter bus, or private bus. It protects you against medical costs and lawsuits if riders are injured while on board.

Absolutely. Alliance Insurance writes policies for both single small bus operators and large fleets. Even if you only run one shuttle or party bus, you still need protection against liability, accidents, and passenger claims.

Party bus insurance typically includes higher liability limits and endorsements for alcohol-related risks, while charter bus insurance focuses on long-distance travel, tour operations, and passenger safety over scheduled routes.

Yes. If you run interstate routes, your policy can be structured to meet both federal DOT requirements and state-specific insurance rules. Alliance provides multi-state commercial bus insurance for charter, coach, and shuttle operators.
Key factors include passenger capacity, routes (city vs. highway), accident history, vehicle value, driver experience, and whether your operation includes higher-risk services like nightlife party buses.
Yes. New operators can qualify for commercial bus insurance, though premiums may be higher at first. Underwriters consider driver experience, safety plans, and whether your operation is local, charter, or long-distance.

Alliance Insurance provides fast, same-day bus insurance quotes for most operators. With complete driver and vehicle information, coverage can often be bound within 24 hours.