Charter bus insurance
Charter bus insurance is commercial auto coverage for a for-hire passenger carrier: liability to the public first, then the coach, the drivers and the business. For a coach seating 16 or more, including the driver, FMCSA's minimum on any trip in interstate or foreign commerce is $5,000,000, the same figure that took effect in 1985. Customers can ask for more: Southern Utah University requires a $5,000,000 combined single limit from charter bus companies, and Grand Valley State University adds a $5,000,000 umbrella on top. National Interstate's bus program writes physical damage, workers' compensation, general liability and excess beside the liability.
Updated . Written by Andre Beukers, principal at Redoubt, a commercial insurance agency in Salt Lake City, not a government office.
What does charter bus insurance cover?
National Interstate, which says it has insured motorcoach, fixed route transit and school bus operators since 1989, lists auto liability, auto physical damage, workers' compensation, general liability, excess and property. Lancer writes bus liability "up to $5 million Combined Single Limit (CSL)" and asks you to inquire for more, with personal injury protection, uninsured and underinsured motorist and medical payments available "where applicable."
In Utah, a business that carries people for payment cannot drop uninsured motorist coverage. Utah Code 31A-22-305(5)(b) requires anyone "engaged in the business of, or that accept payment for, transporting natural persons by motor vehicle" to carry uninsured motorist coverage of at least $25,000 per person and $500,000 per accident on every vehicle used that way.
Physical damage protects the coach itself. Lancer's covers collision and specified perils such as fire, theft and vandalism, with deductibles from $1,000 to $25,000. The federal schedule covers public liability only; it does not ask for physical damage. For an insured carrier under FMCSA's rules, the proof of coverage is Form MCS-90B, which 49 CFR 387.39 says must be issued "in the exact name of the motor carrier," and 387.31(d) says it is kept at your principal place of business.
What are the charter bus insurance requirements?
FMCSA sets the floor for for-hire carriers "transporting passengers in interstate or foreign commerce." 49 CFR 387.31(a) bars a passenger carrier from operating until it has the coverage in 387.33, and the schedule in force, 387.33T, sets $5,000,000 for any vehicle with a seating capacity of 16 or more, including the driver. eCFR marks the original 387.33 suspended since January 2017; 387.33T carries the same figure.
The number is old. FMCSA's 2014 notice on financial responsibility says the passenger minimums "went into effect on November 19, 1985 (48 FR 52684) and have remained unchanged," and eCFR prints the same $5,000,000 today.
Two exceptions in 387.27(b) touch charter work: a vehicle "transporting only school children and teachers to or from school," and a carrier under contract for student extracurricular trips "organized, sponsored, and paid by a school district." On those trips the federal subpart does not apply, so the district's contract is where to look for the limit.
What do schools, parks and airports require from a charter bus company?
Some ask for more than FMCSA does, and two terms trip up a single $5,000,000 policy. Grand Valley's umbrella takes the total to $10,000,000, and Southern Utah University accepts primary plus excess only if the insurer "issues and endorsement stating that it specifically applies to meet the SUU insurance requirement." Both SUU and the Park Service also screen the insurer by its A.M. Best rating, which the Park Service wants noted on the certificate or supplied separately. Get each contract's insurance page before you bind.
Four holders, from their own documents read on 2026-10-03. The Park Service row comes from its 2024 CUA application PDF; the parks now take applications online, and that version was not read:
| Holder | Auto liability | Also required |
|---|---|---|
| Southern Utah University (updated Feb. 1, 2026) | $5,000,000 CSL | Utah-authorized insurer rated A- or better; 30 days' notice of cancellation |
| Grand Valley State University | $5,000,000 CSL plus $5,000,000 umbrella | Additional insured, primary and noncontributory; waiver of subrogation |
| National Park Service, Southeast Utah Group, road-based tours (2024 application) | $5,000,000 at 16 or more passengers for interstate transport; intrastate, the state figure or this one, whichever is greater | Insurer rated A- or better, Best's size category VII or higher; United States as additional insured on liability policies |
| Salt Lake City airport | $5,000,000 at 16 or more seats, with driver | Salt Lake City Corporation as additional insured |
Sources: 29, 31, 32, 30, 33, 34, 35, 36, 40, 41, 37, 42, 44, 45
What does a charter bus company need for trips that stay in Utah?
Start with UDOT's rule. R909-1-3 incorporates 49 CFR Parts 387 through 399 by reference and applies them to intrastate commercial motor carriers as Utah Code 72-9-102(3) defines them, a definition that reaches a vehicle that "is designed to transport more than 15 passengers, including the driver."
Neither the rule nor the statute sets a dollar figure for an intrastate charter company. Utah Code 72-9-103(2) excuses one group from Part 387 Subpart B, licensed child care providers running vehicles of 30 seats or fewer, and sets their minimum at $1,000,000 up to 20 seats and $1,500,000 up to 30. R909-1-4's $750,000 is for private carriers, which it defines as carriers that are "not a for-hire motor carrier." Because the incorporated 387.27(a) still speaks of interstate or foreign commerce, ask UDOT in writing whether it holds a Utah-only charter fleet to $5,000,000 before you bind a lower limit.
Does charter bus insurance cover trips to Canada or Mexico?
Canada, on the standard form; Mexico, not for a bus. The ISO Business Auto Coverage Form (CA 00 01 11 20) lists its coverage territory as the United States, its territories and possessions, Puerto Rico and Canada. Its fifth territory, anywhere else in the world, covers only an auto "of the private passenger type" rented without a driver for 30 days or less, so a coach in Mexico is outside it. If your policy is not on this form, read its own coverage territory clause before you quote a Mexico trip.
The federal limit goes with you. 387.27(a) covers foreign commerce, and 49 CFR 390.5T counts a trip between a state and "a place outside of the United States" as interstate commerce, so a coach seating 16 or more on a Canada or Mexico charter needs the $5,000,000.
Do not count on the policy to rise to another jurisdiction's passenger rule. The same form's out-of-state extension raises your limit to meet a compulsory or financial responsibility law where the auto is used, but it "does not apply to the limit or limits specified by any law governing motor carriers of passengers or property."
Is tour bus insurance different from charter bus insurance?
The federal floor is the same; what can differ is who else sets terms. 387.33T sets the minimum by seating capacity, not by the kind of trip, so a for-hire tour coach seating 16 or more on an interstate itinerary carries $5,000,000 like a charter. FMCSA defines charter transportation as carrying a group that has "acquired the exclusive use of the motor vehicle" under a single contract. The Park Service's 2026 Arches conditions describe a road-based commercial tour as people "traveling within a single 16+ passenger capacity vehicle on an improved roadway on an itinerary sold for leisure/recreational/educational purposes."
Parks then set terms of their own. The Southeast Utah Group's 2024 CUA application asks $5,000,000 per occurrence at 16 or more passengers for interstate passenger transport and says intrastate holders must meet state requirements "or the interstate requirements above, whichever are greatest." It sets general liability at $1,000,000, says liability insurance policies must name the United States as additional insured, and excuses companies that provide transportation only from general liability "as long as the passengers do not disembark." A tour company that charters coaches "owned and operated by another company" needs no commercial auto liability of its own under the authorization.
How much is charter bus insurance?
No published figure. National Interstate's bus page and Lancer's motorcoach page, read on 2026-10-03, print no rate or premium for a policy. FMCSA's 2014 notice on financial responsibility says the agency "has had difficulty obtaining information on insurance company underwriting procedures and motor carrier premiums," and relays a finding of DOT's Volpe study that "there are no uniform pricing practices." National Interstate calls transportation insurance "often one of our customer’s largest expenses."
The only premium figures on those pages are for National Interstate's group captives: Destination, for mid-sized motorcoach, limousine and school bus operators, lists a target premium of $150,000 or more with a $50,000 retention, and Calypso lists $250,000 or more with a $250,000 retention. Some of the price is yours to move: National Interstate says a deductible option can "lower your upfront premium cost" and that telematics data can "help lower your insurance costs," and Lancer's physical damage deductibles run from $1,000 to $25,000. Ask for each quote at the limit your strictest contract requires.
Which insurance companies write charter bus insurance?
The insurer has to pass two tests. 49 CFR 387.35 accepts an insurer legally authorized in each state where you operate, or in your home state with an agent for service of process, or licensed in any state and eligible as a surplus lines insurer, with that agent. Customers may be stricter: Southern Utah University wants carriers "authorized to conduct business in the State of Utah and rated at least “A-” in A.M. Best Key Rating Guide," and the Park Service adds a Best's financial size category of at least VII.
Two bus specialists say they write it on their own pages, read on 2026-10-03:
- National Interstate offers motorcoach coverage "from a one-unit owner operator to large fleets" and sells its group captives through an open-broker network of agents.
- Lancer names motorcoach, charter bus, and school and transit bus insurance, writes up to $5 million CSL, and points you to its online questionnaire or its bus division to find a broker.
What to send for a charter bus insurance quote
- 1.Each coach's year, make, model, VIN, seating capacity with the driver, and value
- 2.Where you run (Utah only, other states, Canada, Mexico, parks, airports) and your mix of charters, tours and school trips
- 3.USDOT and MC numbers, or your application if the authority is new
- 4.The insurance page of every contract or permit you must meet
- 5.Each driver's name, date of birth, CDL number and endorsements, and hire date
- 6.Any lease or interchange agreement with another carrier
- 7.Current declarations pages and loss runs
- 8.Your garage or yard address, and whether you repair coaches there
- 9.Certificate holders and additional insureds, worded as each contract prints them
Do the passenger lease rules apply when I farm a trip out to another carrier?
Not between two carriers that both hold active passenger operating authority with FMCSA, when one buys transportation service from the other (49 CFR 390.401(b)(1)), and not to a financial lease with a bank, manufacturer or dealer (390.401(b)(2)). Other leases and interchanges, since January 1, 2021, need a written agreement in which the lessee takes exclusive possession and assumes complete responsibility for operating the bus (390.403). After a crash or breakdown, the written lease for a replacement bus may wait up to 48 hours (390.403(a)(2)). Tell your insurer which coaches you lease in or out.
Where these answers come from
Each entry carries the exact words of the source so you can check it yourself. Forms, rules and carrier pages change; read the current version before acting.
- 1. 49 CFR 387.33T, schedule of limits for for-hire passenger carriers, eCFR
“SCHEDULE OF LIMITS Public Liability For-hire motor carriers of passengers operating in interstate or foreign commerce. Vehicle seating capacity Minimum limits (a) Any vehicle with a seating capacity of 16 passengers or more, including the driver $5,000,000”
ecfr.gov, accessed October 3, 2026. Table text, pulled through the eCFR API. Row (b) sets 1,500,000 for any vehicle seating 15 passengers or less, including the driver. Source line: 83 FR 22877, May 17, 2018. - 2. 49 CFR 387.33, effective date note, eCFR
“At 82 FR 5307, Jan. 17, 2017, § 387.33 was suspended, effective Jan. 14, 2017.”
ecfr.gov, accessed October 3, 2026. The suspended 387.33(a) prints the same $5,000,000 and 1,500,000 figures as 387.33T. - 3. 49 CFR 387.31(a), passenger carriers, financial responsibility required, eCFR
“No motor carrier shall operate a motor vehicle transporting passengers until the motor carrier has obtained and has in effect the minimum levels of financial responsibility as set forth in § 387.33 of this subpart.”
ecfr.gov, accessed October 3, 2026 - 4. 49 CFR 387.31(d), where proof is kept, eCFR
“Proof of the required financial responsibility shall be maintained at the motor carrier's principal place of business.”
ecfr.gov, accessed October 3, 2026. Paragraph (d)(1) names the Form MCS-90B endorsement issued by an insurer; (d)(2) names the Form MCS-82B surety bond. - 5. 49 CFR 387.39, forms, eCFR
“The endorsement and surety bond shall be issued in the exact name of the motor carrier.”
ecfr.gov, accessed October 3, 2026. The same section says the MCS-90B and MCS-82B must be in the form FMCSA prescribes and OMB approves. - 6. 49 CFR 387.27(a), applicability of the passenger carrier subpart, eCFR
“This subpart applies to for-hire motor carriers transporting passengers in interstate or foreign commerce.”
ecfr.gov, accessed October 3, 2026 - 7. 49 CFR 387.27(b)(1), exception for school runs, eCFR
“The rules in this subpart do not apply to— (1) A motor vehicle transporting only school children and teachers to or from school;”
ecfr.gov, accessed October 3, 2026 - 8. 49 CFR 387.27(b)(4), exception for school-district extracurricular trips, eCFR
“A motor vehicle operated by a motor carrier under contract providing transportation of preprimary, primary, and secondary students for extracurricular trips organized, sponsored, and paid by a school district.”
ecfr.gov, accessed October 3, 2026 - 9. 49 CFR 387.35, state authority and designation of agent, eCFR
“A policy of insurance or surety bond does not satisfy the financial responsibility requirements of this subpart unless the insurer or surety furnishing the policy or bond is— (a) Legally authorized to issue such policies or bonds in each State in which the motor carrier operates, or”
ecfr.gov, accessed October 3, 2026. Paragraph (b) accepts an insurer authorized in the carrier's home state that designates an agent for service of process; (c) accepts one authorized in any state and eligible as an excess or surplus lines insurer, with the same designation. - 10. 49 CFR 390.5T, definition of charter transportation of passengers, eCFR
“Charter transportation of passengers means transportation, using a bus, of a group of persons who pursuant to a common purpose, under a single contract, at a fixed charge for the motor vehicle, have acquired the exclusive use of the motor vehicle to travel together under an itinerary either specified in advance or modified after having left the place of origin.”
ecfr.gov, accessed October 3, 2026. eCFR marks § 390.5 suspended indefinitely; § 390.5T, in force, carries the definitions. - 11. 49 CFR 390.5T, definition of interstate commerce, paragraph (1), eCFR
“Between a place in a State and a place outside of such State (including a place outside of the United States);”
ecfr.gov, accessed October 3, 2026 - 12. 49 CFR 390.401(b)(1), passenger lease rules, exception between authorized carriers, eCFR
“This subpart does not apply to contracts and agreements between motor carriers of passengers that have active passenger carrier operating authority registrations with the Federal Motor Carrier Safety Administration when one such motor carrier acquires transportation service(s) from another such motor carrier(s).”
ecfr.gov, accessed October 3, 2026. Paragraph (a) says the subpart applies beginning on January 1, 2021. - 13. 49 CFR 390.401(b)(2), passenger lease rules, financial leases, eCFR
“This subpart does not apply to a contract (however designated, e.g., lease, closed-end lease, hire purchase, lease purchase, purchase agreement, installment plan, demonstration or loaner vehicle, etc.) between a motor carrier and a bank or similar financial organization or a manufacturer or dealer of passenger-carrying commercial motor vehicles”
ecfr.gov, accessed October 3, 2026 - 14. 49 CFR 390.403(a)(2), replacement vehicle exception, eCFR
“the two carriers may postpone the writing of the lease or written agreement for the replacement vehicle for up to 48 hours after the time the lessee takes exclusive possession and control of the replacement vehicle.”
ecfr.gov, accessed October 3, 2026. The exception applies when an event such as a crash or a disabled vehicle requires a carrier to obtain a replacement vehicle immediately from another passenger carrier; the driver carries a signed statement in the meantime. - 15. 49 CFR 390.403(b)(4)(i), lease contents, exclusive possession, eCFR
“assumes complete responsibility for operation of the vehicle and compliance with all applicable Federal regulations for the duration of the agreement”
ecfr.gov, accessed October 3, 2026. The subject of the clause is the lessee, which the lease must state has exclusive possession, control, and use of the vehicle. - 16. FMCSA, Financial Responsibility for Motor Carriers, Freight Forwarders, and Brokers, advance notice, 79 FR, November 28, 2014
“The statutory minimums went into effect on November 19, 1985 (48 FR 52684) and have remained unchanged.”
federalregister.gov, accessed October 3, 2026. Read from the Federal Register full-text file; the HTML page answers curl with a bot check. The paragraph before it gives the Bus Regulatory Reform Act levels: $5 million at 16 or more passengers and $1,500,000 at 15 or fewer. - 17. FMCSA, Financial Responsibility advance notice, November 28, 2014, findings of the report to Congress
“The insurance underwriting process is specific to individual motor carriers and there are no uniform pricing practices (other than limits that might be imposed by State regulations).”
federalregister.gov, accessed October 3, 2026. Read from the Federal Register full-text file. A finding of DOT's Volpe study as the notice relays it; the study looked at premiums for higher coverage limits, not at buses. - 18. FMCSA, Financial Responsibility advance notice, November 28, 2014, question 16
“As noted in its report to Congress, FMCSA has had difficulty obtaining information on insurance company underwriting procedures and motor carrier premiums.”
federalregister.gov, accessed October 3, 2026. Read from the Federal Register full-text file. The next sentence says insurers regard such information as trade secrets and carriers are reluctant to disclose what they pay. - 19. Utah Code 31A-22-305(5)(b)(i), uninsured motorist coverage for passenger carriers
“All persons, including governmental entities, that are engaged in the business of, or that accept payment for, transporting natural persons by motor vehicle, and all school districts that provide transportation services for their students, shall provide coverage for all motor vehicles used for that purpose, by purchase of a policy of insurance or by self-insurance, uninsured motorist coverage of at least $25,000 per person and $500,000 per accident.”
le.utah.gov, accessed October 3, 2026. Version effective May 6, 2026. - 20. Utah Code 72-9-102(3)(b)(i), definition of intrastate commercial vehicle, passengers
“is designed to transport more than 15 passengers, including the driver”
le.utah.gov, accessed October 3, 2026. One of several alternative tests in 72-9-102(3), for a vehicle used for business, compensation, or profit only within Utah; (3)(b)(ii) adds more than 12 passengers at 13,000 pounds GVWR or more. Version effective May 6, 2026. - 21. Utah Code 72-9-103(2)(a), Part 387 Subpart B exemption
“the department shall not require a motor carrier to comply with 49 C.F.R. Part 387 Subpart B if the motor carrier is:”
le.utah.gov, accessed October 3, 2026. The two conditions that follow: an intrastate commercial vehicle seating no more than 30 passengers, and a licensed child care provider. Version effective May 3, 2023, the current version. - 22. Utah Code 72-9-103(2)(b), minimums for child care passenger carriers
“$1,000,000 for a vehicle with a seating capacity of up to 20 passengers; or (ii) $1,500,000 for a vehicle with a seating capacity of up to 30 passengers.”
le.utah.gov, accessed October 3, 2026 - 23. Utah Admin. Code R909-1-3(1), UDOT, adoption of federal regulations
“Safety Regulations for Motor Carriers, 49 CFR Parts 350 through 384, Part 385.4, Parts 387 through 399, and Part 40, as amended by the Federal Register through June 22, 2023, are incorporated by reference”
adminrules.utah.gov, accessed October 3, 2026. Rule text, date of last change June 23, 2026. - 24. Utah Admin. Code R909-1-3(1), UDOT, who the adopted rules reach
“Therefore, these requirements apply to a motor carrier as defined in 49 CFR Part 390.5, and intrastate commercial motor carriers as defined in Subsection 72-9-102(3)”
adminrules.utah.gov, accessed October 3, 2026. The sentence goes on to exclude passenger vehicles designed for 12 or fewer, including the driver, under 13,000 pounds. R909-1-3(5) repeats the child care provider exemption from Part 387 Subpart B. The whole of R909-1 was read on 2026-10-03; its only dollar figures are R909-1-4's $750,000 for intrastate private carriers and $1,000,000 for oil and hazmat carriers. - 25. Utah Admin. Code R909-1-4(1), UDOT, private motor carrier defined
“"Private Motor Carrier" means a person who provides transportation of property or passengers by commercial motor vehicle and is not a for-hire motor carrier.”
adminrules.utah.gov, accessed October 3, 2026. Paragraph (2): "Each intrastate private motor carrier must have a minimum amount of $750,000 liability." - 26. ISO Business Auto Coverage Form CA 00 01 11 20, Business Auto Conditions B.7, coverage territory
“The coverage territory is: (1) The United States of America; (2) The territories and possessions of the United States of America; (3) Puerto Rico; (4) Canada; and”
assets.touchpointmarkets.com, accessed October 3, 2026. © Insurance Services Office, Inc., 2019. Copy held in Redoubt's forms library (same file, sha256 807d59f9...). Carriers may file their own forms; the territory on your policy is the one that applies. - 27. ISO Business Auto Coverage Form CA 00 01 11 20, coverage territory item (5)
“Anywhere else in the world if a covered "auto" of the private passenger type is leased, hired, rented or borrowed without a driver for a period of 30 days or less,”
assets.touchpointmarkets.com, accessed October 3, 2026. The item continues: provided the insured's responsibility to pay damages is decided in a suit in the United States, its territories and possessions, Puerto Rico or Canada, or in a settlement the insurer agrees to. - 28. ISO Business Auto Coverage Form CA 00 01 11 20, Section II, out-of-state coverage extensions
“This extension does not apply to the limit or limits specified by any law governing motor carriers of passengers or property.”
assets.touchpointmarkets.com, accessed October 3, 2026. The sentence before it: while a covered auto is away from the state where it is licensed, the insurer will increase the liability limit to meet the limits of a compulsory or financial responsibility law of the jurisdiction where it is used. - 29. Southern Utah University, Insurance Requirements for External Users and Suppliers (updated 02.1.26), automobile liability
“For Charter Bus Companies, the minimum Automobile Liability combined single limit coverage required is $5,000,000.”
suu.edu, accessed October 3, 2026 - 30. Southern Utah University, Insurance Requirements, umbrella or excess liability
“may be accomplished through a combination of primary and excess/umbrella policies as long as the insurance provider issues and endorsement stating that it specifically applies to meet the SUU insurance requirement.”
suu.edu, accessed October 3, 2026. Quoted as printed, including "issues and endorsement". The subject is "The required Commercial General Liability and Business Automobile limits". - 31. Southern Utah University, Insurance Requirements, insurer standards
“All policies shall evidence insurance written by carriers authorized to conduct business in the State of Utah and rated at least “A-” in A.M. Best Key Rating Guide.”
suu.edu, accessed October 3, 2026 - 32. Southern Utah University, Insurance Requirements, certificate contents
“Provide for a 30-day notice of cancellation or non-renewal of coverage to the University.”
suu.edu, accessed October 3, 2026. Item 3 of the list headed "All Certificates of Insurance must include the following". - 33. Grand Valley State University, Motorcoach Minimum Insurance and Contract Language
“Auto Liability coverage in the amount of $5,000,000 combined single limits. Umbrella Liability in limits not less than $5,000,000 each occurrence and sitting excess over the Commercial General Liability, Auto Liability and Employers Liability coverages.”
gvsu.edu, accessed October 3, 2026. Two consecutive items of the list; Word document, no edition date printed. - 34. Grand Valley State University, Motorcoach Minimum Insurance and Contract Language, additional insured
“Charter Bus Company shall name Grand Valley State University as Additional Insured on a primary and noncontributory basis under the Commercial General Liability, Auto Liability and Umbrella Liability policies.”
gvsu.edu, accessed October 3, 2026. The next sentence: "Charter Bus Company shall waive all rights of subrogation against Grand Valley State University on any policy where said waiver is legally permitted." - 35. National Park Service, Southeast Utah Group CUA application (NPS Form 10-550, 2024), Attachment A, commercial auto
“15 or fewer passengers $1,500,000 16 or more passengers $5,000,000”
nps.gov, accessed October 3, 2026. Cells of the table headed "Commercial Vehicle Insurance – Passenger Transport", introduced as the minimum "for interstate passenger transport" (read with pdftotext -layout). Source is the 2024 SEUG application PDF, still posted on nps.gov; the parks now take applications through cua.nps.gov, which was not read. - 36. National Park Service, Southeast Utah Group CUA application, Attachment A, intrastate holders
“Intrastate CUA holders must meet individual state requirements for Commercial Automobile Liability Insurance or the interstate requirements above, whichever are greatest.”
nps.gov, accessed October 3, 2026 - 37. National Park Service, Southeast Utah Group CUA application, Attachment A, general liability
“The minimum commercial general liability insurance is $1,000,000. Liability insurance policies must name the United States of America as additional insured.”
nps.gov, accessed October 3, 2026 - 38. National Park Service, Southeast Utah Group CUA application, Attachment A, transportation-only companies
“Companies that provide transportation only are not required to have Commercial General Liability as long as the passengers do not disembark.”
nps.gov, accessed October 3, 2026 - 39. National Park Service, Southeast Utah Group CUA application, Attachment A, chartered vehicles
“If a CUA holder charters the vehicle and those chartered vehicles are owned and operated by another company, the CUA holder is not required to have Commercial Automobile Liability insurance.”
nps.gov, accessed October 3, 2026 - 40. National Park Service, Southeast Utah Group CUA application, Attachment A, insurer rating
“All insurers for all coverages must be rated no lower than A- by the most recent edition of Best’s Key Rating Guide”
nps.gov, accessed October 3, 2026 - 41. National Park Service, Southeast Utah Group CUA application, Attachment A, insurer size
“All insurers for all coverages must have Best’s Financial Size Category of at least VII according to the most recent edition of Best’s Key Rating Guide”
nps.gov, accessed October 3, 2026 - 42. National Park Service, Southeast Utah Group CUA application, Attachment A, rating on the certificate
“We require the insurance broker to note this rating in the Certificate. If the rating does not appear on the certificate, the insurance broker must provide it in another document.”
nps.gov, accessed October 3, 2026 - 43. National Park Service, Arches National Park, CUA conditions for the 2026 operating season, road-based commercial tours
“One or more persons traveling within a single 16+ passenger capacity vehicle on an improved roadway on an itinerary sold for leisure/recreational/educational purposes.”
nps.gov, accessed October 3, 2026 - 44. Salt Lake City Department of Airports, Ground Transportation Certificate of Insurance Checklist, 16 or more seats
“For vehicles with a seating capacity of 16 or more including the driver: Business Auto Coverage Form providing a $5,000,000 per occurrence limit of liability.”
slcairport.com, accessed October 3, 2026. Checklist dated December 2023. - 45. Salt Lake City Department of Airports, Ground Transportation Certificate of Insurance Checklist, additional insured
“Salt Lake City Corporation must be named as additional insured.”
slcairport.com, accessed October 3, 2026 - 46. National Interstate, Bus Insurance
“Since 1989, National Interstate has been a leading provider of creative insurance solutions for motorcoach, fixed route transit and school bus operators.”
natl.com, accessed October 3, 2026. What National Interstate says about itself. - 47. National Interstate, Bus Insurance, coverages
“Insurance Coverages for Motorcoach, Fixed Route Transit and School Bus Operators Auto Liability Auto Physical Damage Workers' Compensation General Liability Excess Insurance Property”
natl.com, accessed October 3, 2026. A heading and the list under it. - 48. National Interstate, Bus Insurance, motorcoach and fixed route transit
“We offer motorcoach insurance coverage for all shapes and sizes of operations, from a one-unit owner operator to large fleets.”
natl.com, accessed October 3, 2026 - 49. National Interstate, Bus Insurance, group captives
“Managed and underwritten by National Interstate and available through an open-broker distribution network of agents”
natl.com, accessed October 3, 2026. The subject is National Interstate's group captives for passenger transportation operators. - 50. National Interstate, Bus Insurance, introduction
“Transportation insurance is often one of our customer’s largest expenses”
natl.com, accessed October 3, 2026. What National Interstate says about its customers. - 52. National Interstate, Bus Insurance, Destination group captive
“Destination is a group rental captive program designed for best-in-class, mid-sized motorcoach, limousine and school bus operators.”
natl.com, accessed October 3, 2026 - 55. National Interstate, Bus Insurance, deductible options
“If you are looking to lower your upfront premium cost and take on a limited amount of risk, a deductible option may be right for you.”
natl.com, accessed October 3, 2026 - 56. National Interstate, telematics
“Unlock the full potential of telematics by integrating real-time driver data with our insights and expertise to help lower your insurance costs.”
natl.com, accessed October 3, 2026. A site-wide panel printed on the bus page. - 57. Lancer Insurance, Motorcoach, School Bus and Transit Bus, liability limits
“We can accommodate your bus operation's needs with up to $5 million Combined Single Limit (CSL) in bodily injury and property damage coverage. (Please inquire should you require higher limits.)”
lancerinsurance.com, accessed October 3, 2026. What Lancer says about its own program. - 58. Lancer Insurance, Motorcoach, School Bus and Transit Bus, other liability coverages
“The following liability coverages are also available, where applicable: Personal Injury Protection (PIP) Uninsured Motorist Coverage (UM) Underinsured Motorist Coverage (UIM) Medical Payments (Med Pay)”
lancerinsurance.com, accessed October 3, 2026. A sentence and the list under it. - 59. Lancer Insurance, Motorcoach, School Bus and Transit Bus, physical damage
“Specified Perils — Pays for damage to your insured vehicle from fire, theft, vandalism and other covered perils”
lancerinsurance.com, accessed October 3, 2026. The item before it covers collision with other vehicles or stationary objects. - 60. Lancer Insurance, Motorcoach, School Bus and Transit Bus, physical damage deductibles
“We offer a variety of deductibles from $1,000 up to $25,000, depending on your needs (and budget).”
lancerinsurance.com, accessed October 3, 2026. The sentence closes Lancer's physical damage paragraph. - 61. Lancer Insurance, Motorcoach, School Bus and Transit Bus, coverages
“You too can count on us for the motorcoach insurance, charter bus insurance, and school & transit bus insurance coverages and policy limits you need to protect your passengers, drivers, employees, vehicles and hard-earned reputation.”
lancerinsurance.com, accessed October 3, 2026 - 62. Lancer Insurance, Motorcoach, School Bus and Transit Bus, how to apply
“please complete our quick online questionnaire or contact our Motorcoach, School & Transit Bus division today to find an insurance broker near you.”
lancerinsurance.com, accessed October 3, 2026
A limo, bus or shuttle operator has to meet a passenger-carrier limit
Limo, party bus and charter bus operators: the federal and Utah passenger limits and who writes the coverage.
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Bidding a school, university or park contract?
Text Redoubt the contract's insurance page, your coaches with their seat counts, and where they run. We will read the requirements with you and flag what the policy and the certificate have to show before you sign.
This is general insurance information, not legal advice or a coverage determination. The policy forms, the endorsements the carrier issues, and the requirement in writing from whoever is asking control.