Coverage provided through non-admitted insurers. Products are not covered by state guaranty funds.
From bachelor parties to wine tours. Your bus is the venue—and the liability follows you everywhere you go.
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Commercial Fleet Experts
Carriers who understand passenger transport
The Reality
Your personal policy won't cover you when you're getting paid to transport people. And standard commercial auto? It excludes for-hire passenger transport. You need livery coverage.
Someone falls, fights, or does something stupid after drinks. Liquor liability is essential—but most commercial auto policies explicitly exclude it.
Multi-passenger accidents mean multi-million dollar claims. Without proper limits, a single incident wipes out your business and personal assets.
Coverage Options
From pickup to drop-off, we've got your fleet covered.
Required coverage for bodily injury and property damage when transporting passengers
Coverage when using rented vehicles or employee personal vehicles for business
Protection for passenger injuries, slips, and falls while boarding or on the bus
Covers claims from intoxicated passengers—fights, injuries, and third-party damages
Comprehensive and collision coverage for your party bus fleet
Protects you and passengers when the other driver has no insurance
Specialized coverage for every type of passenger transport
Common questions
These are general considerations, not a description of a specific policy. Coverage depends on the issued forms, endorsements, limits, exclusions, and applicable law.
Party Bus insurance is a commercial insurance program built around the risks of a party bus business. It may combine several policies or endorsements rather than relying on one standardized product.
Common options include General Liability, Commercial Auto, Workers Comp, Property. The appropriate combination depends on the company’s actual operations, employees, property, vehicles, contracts, and the exclusions in each policy.
Cost depends on factors such as revenue, payroll, location, services, property values, vehicles, limits, deductibles, and claims history. An insurer must review the individual business before providing a reliable premium.
The application should accurately describe third-party injuries, property damage, employees, vehicles, equipment, professional services, and contractual requirements. Undisclosed or incorrectly described operations can affect eligibility, pricing, and how a policy responds to a claim.
A broker commonly needs the legal business name, address, services, annual revenue, payroll, employee count, property or equipment values, vehicle and driver details, prior losses, current policies, desired limits, and requested effective date.
No. Coverage depends on the issued policy’s terms, limits, deductibles, exclusions, conditions, and the facts of the loss. Panta can help compare and explain available options, but the insurer issues the policy and determines claim coverage.
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