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What type of insurance do I need to run a bus transit company at my university? Ball park price?
I was looking to start a bus transit company that will pick up and drop off students from one point on campus to another. I was wondering what type of insurance am I required to have. I need 4 transits for the company to operate the way it is supposed to. Does anyone know what type of insurance is required for an operation as such and/or how much that insurance would be? I don’t need an exact price, I am just looking for a ball park price.
Thanks in advance.
You will need a few types of insurance.
General Liability, Commercial Auto and workman’s compensation if you plan on having any employees.
General Liability – This protects third parties if you are negligent and cause harm to a person or property. (Does not cover accidents that happen while behind the wheel)
Commercial Auto – This is just like personal auto insurance but for vehicles used commercially.
Workers Compensation – This covers your employees in case of an accident either in or out of the vehicle.
I bet the general liabilty and workers compensation will put you back about $1,200 per year. The autos, figure anywhere between $1,500 and $2,500 each.
There is no way to get a price without talking to an insurance broker.
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