School Bus Insurance

You invest a considerable amount of dollars in maintaining and upgrading your fleet. You need full protection of hazards such as hail, fire, flood, and vandalism – especially while your buses are parked overnight.

Our program provides no limitation on bus lot coverage. We work with contractors to develop plans for emergency evacuation and how to better protect buses while parked overnight.

School districts now require coverage for sexual misconduct in school contracts, as claims are more prevalent today than ever before. Cell phones, cell phone cameras, and social media present potential new bullying exposures.

Sexual misconduct and abuse is a part of our liability coverage and can be written with limits of $250,000, $500,000 or $1,000,000. The coverage is priced very competitively and may include coverage for mental or physical injury. We also offer peer-on-peer bullying coverage for incidents that happen between students.

Unfortunately, accidents happen. You need a partner that will help you throughout the claims process.

Our program offers a risk control and fleet specialist that understand the challenges your business faces, and will work with our carrier and you to advocate for improving the outcome of losses.

Drivers must be constantly vigilant about safety while loading, unloading, and transporting students, performing multiple checks to ensure students enter and exit the bus and get to their destination safely.

Our program offers ongoing training opportunities for drivers to enhance their safety knowledge that can help mitigate claims. Training topics include defensive driving, accident response, pre/post inspections and crisis management.

You invest a lot into your fleet. Buses with unique features, including lifts or harnesses such as those for persons with disabilities, present unique risk exposures.

Our program offers coverage for buses equipped for students with disabilities. Our program offers specific safety training solutions to help drivers learn how to operate unique bus features such as lifts. We can perform a strategic review of your operations for potential hazards and develop safety related safety training to improve loss outcomes.

You have high valued cameras and telematics that are permanently attached to your vehicle.

With the increase of crashes, distracted driving as well as the need to monitor the behavior of bus students, the use of camera systems has become prevalent on school buses. The type of cameras run from very basic to detailed 4-camera systems placed in various areas of the school bus. The cameras may be exposed to theft or damage from an accident. Our policy provides automatic physical damage and theft coverage for the camera systems.

You have school districts that require to be named additional insureds.

School districts are provided automatic additional insured status for both auto and liability as long as there is a written contract. This is at no additional charge. Your polices will not need to be endorsed, as this is a benefit to our program.

If you are not currently working with an agent that has expertise in the field, there may be missing coverages or inappropriate limits on your policy.

Keystone brings over 20 years of industry expertise in the private school contracting field. Our agents know what questions to ask about your business to make sure your insurance needs are covered. Our carriers have developed auto forms tailored to school buses, and we are experts in making state or federal insurance filings. We offer higher limits or environmental liability if you need it. Not all programs have these advantages – or expertise.