Party bus insurance
Party bus insurance is a commercial auto policy for carrying passengers for hire, and the bus's seat count, including the driver, sets its limit. For an interstate trip FMCSA requires $5,000,000 for a vehicle seating 16 or more and $1,500,000 at 15 or fewer; California's PUC schedule also reaches $5,000,000 at 16 seats. Alcohol is the second question: the ISO general liability form excludes injury arising out of your own autos, and its liquor exclusion applies if you are in the business of furnishing drinks. Progressive lists party buses among uses it does not insure; Prime lists them as buses it writes.
Updated . Written by Andre Beukers, principal at Redoubt, a commercial insurance agency in Salt Lake City, not a government office.
What does party bus insurance cover?
Auto liability first. The ISO business auto coverage form pays "all sums an "insured" legally must pay as damages because of "bodily injury" or "property damage" to which this insurance applies, caused by an "accident" and resulting from the ownership, maintenance or use of a covered "auto"." Your policy's own forms and endorsements control.
The rest is chosen coverage by coverage. Prime Property & Casualty's bus page lists general liability, physical damage, hired and non-owned auto, alleged assault and battery, alleged sexual abuse and molestation, and umbrella or excess among its options; Prime Insurance Company's adds new operators coverage. Ask for each by name.
In Utah, anyone who accepts payment for carrying people must also carry uninsured motorist coverage of at least $25,000 per person and $500,000 per accident (Utah Code 31A-22-305(5)(b)).
What are the party bus insurance requirements?
Each holder sets its own, and the federal and California limits change at the 16th seat, counting the driver. For an interstate trip the holder is FMCSA: 49 CFR 387.31(a) bars a passenger carrier from operating until it has the coverage 387.33T sets, $5,000,000 for "Any vehicle with a seating capacity of 16 passengers or more, including the driver" and $1,500,000 at 15 or fewer. In California, the PUC's General Order 115-G sets $5,000,000 for a charter-party carrier's vehicle seating 16 or more, $1,500,000 at 9 through 15 and $750,000 at 8 or fewer. Vehicles under a Class C certificate have their own $750,000 row, TNC and contract crew-transport vehicles have theirs, and the policy must be filed electronically.
In Utah, a vehicle used for business that "is designed to transport more than 15 passengers, including the driver" is an intrastate commercial vehicle under Utah Code 72-9-102(3), but no Utah statute or rule we read states a dollar minimum for a party bus that stays in the state.
| Rule and holder | 15 or fewer seats | 16 or more seats |
|---|---|---|
| FMCSA liability, interstate for hire (49 CFR 387.33T) | $1,500,000 | $5,000,000 |
| California PUC liability, outside Class C (GO 115-G) | $750,000 at 8 or fewer, $1,500,000 at 9 to 15 | $5,000,000 |
| Federal CDL (49 CFR 383.5, 383.23, 383.93) | Not by seat count; yes at 26,001 lb GVWR | Required, plus a passenger endorsement |
Does party bus insurance cover passengers drinking on the bus?
It depends on which policy the claim lands on. The business auto form covers injury "resulting from the ownership, maintenance or use of a covered "auto"", and none of its liability exclusions mentions alcohol. The ISO general liability form, CG 00 01, excludes injury "arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured." For a fight between passengers, or a fall after someone steps off at a bar, ask the carrier in writing which policy answers.
That general liability form's liquor exclusion removes injury you are liable for by causing or contributing to someone's intoxication, by furnishing alcohol to a person underage or under the influence, or under an alcohol law, and it "applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages." It also reaches claims of negligence in "Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol" when the occurrence involved one of those three. If your package includes drinks, ask for liquor liability. Prime lists alleged assault and battery and alleged sexual abuse and molestation as separate options; ask whether each is in or out.
Utah sets conditions on drinking aboard a chartered bus, which its alcohol code defines as one "provided by a bus company to a group of persons pursuant to a common purpose" under a single contract at a fixed charge; check your bookings against that definition before you allow drinking. Passengers on a chartered bus may drink only on the way to the destination, or on a trip that starts and ends at a residence or hotel, and only "if the chartered bus has a nondrinking designee other than the driver traveling on the chartered bus to monitor consumption." Except for outbound-only drinking, 32B-4-415(3) says "a person may not consume an alcoholic product in a limousine or chartered bus if the limousine or chartered bus drops off a passenger at: (a) a location from which the passenger departs in a private vehicle." Otherwise Utah's open container law bars drinking as a passenger, a class C misdemeanor.
California puts the duty on the carrier. PUC Code 5384.1 says that at booking the carrier "shall ask the chartering party" whether alcohol will be aboard and whether anyone will be under 21. If both, a designee 25 or older must ride along whenever under-21 passengers travel without a parent or guardian, with a signed form back 72 hours before travel. If the carrier does not provide the written notice and the designee does not return the signed form before transport starts, the carrier must supply its own designee, lock the alcohol away, keep under-21 passengers off, or cancel; one that does none of those "shall incur the liabilities of a designee." The PUC fines up to $2,000 for a first violation and revokes the permit at the third.
Sources: 1, 2, 3, 4, 5, 6, 43, 29, 31, 32, 33, 34, 35, 36, 20, 21, 22, 23, 24, 25
How much is party bus insurance?
No published figure. PPCI's bus and limousine pages, Prime Insurance Company's bus page and Progressive Commercial's list of what it does not insure, read on 2026-10-03, print no party bus premium, and none of the statutes, rules or the PUC order cited here sets one.
What you control is whether the quotes you compare are built alike: each at the limit your largest bus and your routes require, each given the same answer on alcohol, each saying whether liquor liability and assault and battery are in or out. A lower number without them is a different policy.
Which insurance companies write party bus insurance?
Carriers' own pages, read on 2026-10-03, split on it:
Prime quotes through agents and brokers and binds only through one with a producer agreement.
- Progressive Commercial does not currently. Its list of vehicle uses it does not insure "regardless of the business or vehicle type" includes vehicles open to the public, party buses among them.
- Prime Insurance Company, which describes itself as an excess and surplus lines insurer, lists party buses among the buses it can write and says "In most states, we can cover buses, bus companies, bus services, and bus drivers."
- Prime Property & Casualty Insurance Inc. (PPCI), the admitted carrier on Prime's site, lists party buses on its bus and limousine pages and writes admitted commercial auto in FL, IL, KS, KY, MA, NJ, NM, NV and SC.
What do you need to start a party bus business?
Coverage bound before the first paid ride, on a bus and drivers that fit its seat count. In order:
- Choose the bus with seats and weight in mind. At 16 or more seats, counting the driver, or 26,001 pounds GVWR, 49 CFR 383.5 makes it a commercial motor vehicle, 383.23 bars anyone without a CDL from driving it, and 383.93 adds a passenger endorsement.
- Plan for drug and alcohol testing: 49 CFR Part 382 covers CDL drivers, and an owner who is the only driver must still be in a random pool of two or more.
- In Utah, a driver wholly in intrastate commerce who carries 16 or more passengers, counting the driver, must be at least 21 (R909-1-3(4)).
- In California, get a PUC certificate or permit first (PUC Code 5371) and file the policy electronically.
- Write the alcohol rule into your booking terms: who supplies drinks, the designee Utah or California requires, and what the driver does when the rule is broken.
- Bind auto liability for your largest bus, with general liability, liquor and assault and battery decided in writing.
What to send for a party bus quote
- 1.Each bus's year, make, model, VIN, GVWR and seating capacity counting the driver
- 2.Who converted each bus, when, and what was changed
- 3.Where you run: states, cities, venues and airports
- 4.Whether passengers drink aboard, who supplies it, and your designee process
- 5.Whether you book groups with passengers under 21
- 6.Each driver's name, date of birth, license number, CDL class and endorsements
- 7.Your USDOT number and PUC or other permits, held or applied for
- 8.Each venue, city or airport's written insurance requirement
- 9.Your booking contract or terms of carriage
- 10.Current declarations pages and loss runs, if insured before
Is a party bus a limousine or a chartered bus under Utah alcohol law?
Utah defines a limousine as a vehicle other than a bus or taxicab with a partition between driver and passengers, and a chartered bus as one a bus company provides to a group under a single contract at a fixed charge. Each carries its own drinking conditions; match your booking terms to the one your vehicle fits.
If I rent the bus out and supply a driver, am I still a carrier in California?
PUC Code 5360 counts as a charter-party carrier anyone providing a hired driver service when a rented motor vehicle is operated by a hired driver. Ask the PUC before you split bookings that way.
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. ISO CA 00 01 11 20, Business Auto Coverage Form, Section II, Covered Autos Liability Coverage
“We will pay all sums an "insured" legally must pay as damages because of "bodily injury" or "property damage" to which this insurance applies, caused by an "accident" and resulting from the ownership, maintenance or use of a covered "auto".”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO specimen form (FC&S copy), held in Redoubt's forms library. Its Section II exclusions do not mention alcohol. A carrier's own forms and edition control. - 2. ISO CG 00 01 12 25, Commercial General Liability Coverage Form, exclusion g, Aircraft, Auto Or Watercraft
“"Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured.”
assets.touchpointmarkets.com, accessed October 3, 2026. ISO specimen form (FC&S copy), ISO's 2025 general liability revision. Policies on earlier editions may differ. - 3. ISO CG 00 01 12 25, Commercial General Liability Coverage Form, exclusion c, Liquor Liability, what it removes
“"Bodily injury" or "property damage" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.”
assets.touchpointmarkets.com, accessed October 3, 2026. Left column of page 2; the exclusion continues at the top of the right column. - 4. ISO CG 00 01 12 25, Commercial General Liability Coverage Form, exclusion c, Liquor Liability
“However, this exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 5. ISO CG 00 01 12 25, Commercial General Liability Coverage Form, exclusion c, claims the liquor exclusion reaches
“Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol”
assets.touchpointmarkets.com, accessed October 3, 2026. Item (b) of the sentence "This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in:". - 6. ISO CG 00 01 12 25, Commercial General Liability Coverage Form, exclusion c, condition on the negligence claims
“if the "occurrence" which caused the "bodily injury" or "property damage", involved that which is described in Paragraph (1), (2) or (3) above.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 7. 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. Pulled through the eCFR versioner API (2026-09-30 point in time). - 8. 49 CFR 387.33T, schedule of limits for for-hire passenger carriers, row (a), eCFR
“Any vehicle with a seating capacity of 16 passengers or more, including the driver $5,000,000”
ecfr.gov, accessed October 3, 2026. Two cells of the schedule. Row (b) sets 1,500,000 for any vehicle seating 15 passengers or less, including the driver. 387.33 without the T prints the same two figures. Pulled through the eCFR versioner API (2026-09-30 point in time). - 9. 49 CFR 383.5, definition of commercial motor vehicle, Group C, eCFR
“Small Vehicle (Group C) that does not meet Group A or B requirements but that either— (i) Is designed to transport 16 or more passengers, including the driver”
ecfr.gov, accessed October 3, 2026. The same Group C also covers a vehicle of any size carrying placarded hazardous materials. Pulled through the eCFR versioner API (2026-09-30 point in time). - 10. 49 CFR 383.5, definition of commercial motor vehicle, Group B, eCFR
“Heavy Straight Vehicle (Group B)—having a gross vehicle weight rating or gross vehicle weight of 11,794 or more kilograms (26,001 pounds or more), whichever is greater”
ecfr.gov, accessed October 3, 2026. Pulled through the eCFR versioner API (2026-09-30 point in time). - 11. 49 CFR 383.23(a)(2), commercial driver's license required, eCFR
“Except as provided in paragraph (b) of this section, no person may legally operate a CMV unless such person possesses a CDL which meets the standards contained in subpart J of this part, issued by his/her State or jurisdiction of domicile.”
ecfr.gov, accessed October 3, 2026. Paragraph (b) covers non-domiciled CLPs and CDLs. Pulled through the eCFR versioner API (2026-09-30 point in time). - 12. 49 CFR 383.93(b), CDL endorsements, eCFR
“An operator must obtain State-issued endorsements to his/her CDL to operate commercial motor vehicles which are: (1) Double/triple trailers; (2) Passenger vehicles;”
ecfr.gov, accessed October 3, 2026. Paragraph (c)(2) requires a knowledge and a skills test for the passenger endorsement. Pulled through the eCFR versioner API (2026-09-30 point in time). - 13. 49 CFR 382.103(a), applicability of drug and alcohol testing, eCFR
“This part applies to service agents and to every person and to all employers of such persons who operate a commercial motor vehicle in commerce in any State and are subject to: (1) The commercial driver's license requirements of part 383 of this subchapter”
ecfr.gov, accessed October 3, 2026. Pulled through the eCFR versioner API (2026-09-30 point in time). - 14. 49 CFR 382.103(b), owner-operators in the random testing pool, eCFR
“An employer who employs only himself/herself as a driver shall implement a random alcohol and controlled substances testing program of two or more covered employees in the random testing selection pool.”
ecfr.gov, accessed October 3, 2026. Pulled through the eCFR versioner API (2026-09-30 point in time). - 15. California PUC, General Order 115-G, paragraph (1), schedule for charter-party carriers of passengers
“Vehicle Seating Capacity (including the driver) Amount of Coverage Any vehicle with a seating capacity of 16 persons or more $5,000,000 Any vehicle with a seating capacity of 9 through 15 persons $1,500,000 Any vehicle with a seating capacity of 8 persons or less $750,000”
cpuc.ca.gov, accessed October 3, 2026. A table, read as text. Adopted August 18, 2016, amended March 21, 2024. The Class C, TNC and crew-transport rows follow it. - 16. California PUC, General Order 115-G, paragraph (1), Class C exception
“Any vehicle operated under a Class C Certificate as defined by P.U. Code Section 5383 $750,000”
cpuc.ca.gov, accessed October 3, 2026. A table row introduced by "EXCEPT:"; text extraction may interleave the column header "Amount of Coverage". Rows that follow, introduced by "AND:", set figures for Class P (TNC) vehicles and $5,000,000 for contract crew transportation vehicles under P.U. Code 5384.3. - 17. California PUC, General Order 115-G, paragraph (1), electronic filing
“Each charter-party carrier of passengers, as defined in the Public Utilities Code, shall electronically file its insurance policies under the insurance electronic filing requirements established for passenger and household carriers”
cpuc.ca.gov, accessed October 3, 2026 - 18. California Public Utilities Code 5371, certificate or permit required
“shall engage in transportation services made subject to this chapter without first having obtained from the commission a certificate that public convenience and necessity require the operation, except that certain specific transportation services as defined in Section 5384 may be conducted under authority of a permit issued by the commission.”
leginfo.legislature.ca.gov, accessed October 3, 2026. The sentence opens "No charter-party carrier of passengers excepting transit districts, transit authorities or cities owning and operating local transit systems". - 19. California Public Utilities Code 5360, definition of charter-party carrier of passengers
““Charter-party carrier of passengers” includes any person, corporation, or other entity engaged in the provision of a hired driver service when a rented motor vehicle is being operated by a hired driver.”
leginfo.legislature.ca.gov, accessed October 3, 2026 - 20. California Public Utilities Code 5384.1(a), carrier must ask about alcohol and minors
“At the time transportation service is prearranged or the contract of carriage is made, the charter-party carrier of passengers shall ask the chartering party and, upon being asked, the chartering party shall disclose to the charter-party carrier of passengers, whether the following are true:”
leginfo.legislature.ca.gov, accessed October 3, 2026. The two questions: whether alcoholic beverages will be served or transported in the passenger compartment, and whether a member of the party will be under 21. - 21. California Public Utilities Code 5384.1(b)(1)(A), the designee
“A designee who is 25 years of age or older shall be present whenever persons under 21 years of age who are not accompanied by a parent or legal guardian are being transported.”
leginfo.legislature.ca.gov, accessed October 3, 2026 - 22. California Public Utilities Code 5384.1(b)(2)(A), the designee's signed form
“shall verify the written form has been returned with the signature of the designee no later than 72 hours prior to the commencement of the travel date.”
leginfo.legislature.ca.gov, accessed October 3, 2026. For a trip booked within 72 hours, the form must come back before transportation starts. - 23. California Public Utilities Code 5384.1(b)(2)(B), when the form is not returned
“(I) Provide a designee who is not the driver and shall incur any and all liabilities of that designee. (II) Remove and lock all alcoholic beverages in the vehicle’s trunk or other locked compartment. (III) Prohibit all persons under 21 years of age from boarding the vehicle. (IV) Cancel the trip and refund all payments for the transportation services. (ii) A charter-party carrier of passengers that fails to comply with clause (i) shall incur the liabilities of a designee.”
leginfo.legislature.ca.gov, accessed October 3, 2026 - 24. California Public Utilities Code 5384.1(h)(1), first violation
“For a first violation, the commission shall impose a civil penalty of not more than two thousand dollars ($2,000) upon the carrier”
leginfo.legislature.ca.gov, accessed October 3, 2026 - 25. California Public Utilities Code 5384.1(h)(3), third violation
“For a third violation, the commission shall revoke the carrier’s certificate or permit.”
leginfo.legislature.ca.gov, accessed October 3, 2026 - 26. 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 2026-05-06. - 27. Utah Code 72-9-102(3)(b), definition of intrastate commercial vehicle, passengers
“(b) (i) is designed to transport more than 15 passengers, including the driver; or (ii) is designed to transport more than 12 passengers, including the driver, and has a manufacturer's gross vehicle weight rating or gross combination weight rating of 13,000 or more pounds”
le.utah.gov, accessed October 3, 2026. Alternative tests: (3)(a)(i) also reaches any vehicle of 26,001 pounds or more operated by a driver 18 or older, and (3)(c) placarded hazmat. Version effective 2026-05-06. - 28. Utah Admin. Code R909-1-3(4), minimum age of intrastate drivers
“A driver involved wholly in intrastate commerce shall be at least 18 years old, unless they are transporting placarded amounts of hazardous materials or carrying 16 or more passengers, including the driver, in which case they must be at least 21 years old.”
adminrules.utah.gov, accessed October 3, 2026 - 29. Utah Code 32B-1-102(20), definition of chartered bus
“"Chartered bus" means a passenger bus, coach, or other motor vehicle provided by a bus company to a group of persons pursuant to a common purpose: (a) under a single contract; (b) at a fixed charge in accordance with the bus company's tariff;”
le.utah.gov, accessed October 3, 2026. Paragraph (c) adds the group's exclusive use of the vehicle and a driver. Version effective 2026-05-06. - 30. Utah Code 32B-1-102(67), definition of limousine
“"Limousine" means a motor vehicle licensed by the state or a local authority, other than a bus or taxicab: (a) in which the driver and a passenger are separated by a partition, glass, or other barrier;”
le.utah.gov, accessed October 3, 2026 - 31. Utah Code 32B-4-415(4)(c)(i), drinking on a chartered bus
“A passenger of a chartered bus may bring onto, possess, and consume an alcoholic product on the chartered bus: (i) (A) but may consume only during travel to a specified destination of the chartered bus and not during travel back to the place where the travel begins;”
le.utah.gov, accessed October 3, 2026. Alternative (B): the trip begins and ends at the passenger's residence, hotel (as a registered guest) or temporary domicile. Version effective 2024-05-01, the 2024 text; le.utah.gov's section index listed it as the current version when checked on 2026-10-03. - 32. Utah Code 32B-4-415(4)(c)(ii), the nondrinking designee
“if the chartered bus has a nondrinking designee other than the driver traveling on the chartered bus to monitor consumption”
le.utah.gov, accessed October 3, 2026. Version effective 2024-05-01, listed as current on le.utah.gov when checked on 2026-10-03. - 33. Utah Code 32B-4-415(3), drop-off where a passenger leaves in a private vehicle
“Except as provided in Subsection (4)(c)(i)(A), a person may not consume an alcoholic product in a limousine or chartered bus if the limousine or chartered bus drops off a passenger at: (a) a location from which the passenger departs in a private vehicle”
le.utah.gov, accessed October 3, 2026. Version effective 2024-05-01, listed as current on le.utah.gov when checked on 2026-10-03. - 34. Utah Code 41-6a-526(2), drinking in a motor vehicle prohibited
“A person may not drink an alcoholic beverage while operating a golf cart, a motor vehicle, a motor assisted scooter, or an electric assisted bicycle, or while a passenger in a motor vehicle, whether the vehicle is moving, stopped, or parked on any highway or waters of the state.”
le.utah.gov, accessed October 3, 2026. Version effective 2026-05-06. - 35. Utah Code 41-6a-526(4)(b), exception for limousine and chartered bus passengers
“Subsections (2) and (3) do not apply to a passenger: (a) in the living quarters of a motor home or camper; (b) who has carried an alcoholic beverage onto a limousine or chartered bus that is in compliance with Subsections 32B-4-415(4)(b) and (c)”
le.utah.gov, accessed October 3, 2026 - 36. Utah Code 41-6a-526(6), penalty
“A violation of Subsection (2) or (3) is a class C misdemeanor.”
le.utah.gov, accessed October 3, 2026 - 37. Progressive Commercial, What We Do Not Insure, vehicle use we don't insure
“Progressive does not currently offer commercial auto insurance for the following vehicle uses, regardless of the business or vehicle type:”
progressivecommercial.com, accessed October 3, 2026. Progressive's statement about its own product. The list under it includes "Vehicles that are open to the public, including:" and, in that sub-list, "Party buses". The page prints no premium. - 38. Prime Insurance Company, Bus Insurance
“As a leading excess and surplus lines insurance company, Prime can write bus insurance with confidence.”
primeis.com, accessed October 3, 2026. Prime's description of itself and its own product. - 39. Prime Insurance Company, Bus Insurance, nature of business
“Nature of Business (who we can help) Bus Companies Bus Services Bus Drivers Skoolies City Buses Party Buses Charter Buses Paratransit Buses Tour Buses School Buses”
primeis.com, accessed October 3, 2026. A list, read as text. - 40. Prime Insurance Company, Bus Insurance, where it writes
“In most states, we can cover buses, bus companies, bus services, and bus drivers.”
primeis.com, accessed October 3, 2026 - 41. Prime Insurance Company, Bus Insurance, coverages
“Coverages Commercial Auto Liability Commercial Auto Physical Damage New Operators Coverage Contingent Auto Liability Hired & Non-Owned Auto Liability Excess Auto Liability”
primeis.com, accessed October 3, 2026. A list, read as text. The page prints no premium. - 42. Prime Property & Casualty Insurance Inc., Buses (Admitted)
“Customized Commercial Auto Insurance for school buses, paratransit, coach buses, party buses, and more.”
primeis.com, accessed October 3, 2026 - 43. Prime Property & Casualty Insurance Inc., Buses (Admitted), coverage options
“Coverage Options Commercial General Liability Commercial Auto Coverage (available in most states) Commercial Auto Physical Damage Hired & Non-Owned Auto Contingent Auto Communicable Disease Liability Coverage Alleged Assault and Battery Liability Alleged Sexual Abuse and Molestation Liability TRU Umbrella / Excess Liability”
primeis.com, accessed October 3, 2026. A list, read as text. PPCI's limousine page lists "Alleged Assault & Battery Liability" and "Alleged Sexual Abuse & Molestation Liability" the same way. Neither page prints a premium. - 44. Prime Property & Casualty Insurance Inc., Buses (Admitted), admitted states
“PPCI writes commercial auto insurance on an admitted basis in FL, IL, KS, KY, MA, NJ, NM, NV, and SC.”
primeis.com, accessed October 3, 2026 - 45. Prime Property & Casualty Insurance Inc., Limousines (Admitted), nature of business
“Stretch Limos Luxury Passenger Vans Executive Sedans Stretch SUVs Party Buses Vintage Limos Convertible Limousines”
primeis.com, accessed October 3, 2026. A list, read as text. - 46. Prime Property & Casualty Insurance Inc., Buses (Admitted), producers
“A Producer agreement is not necessary to receive a quote. However, an agreement must be completed in order to bind coverage.”
primeis.com, accessed October 3, 2026. The same sentences appear on Prime Insurance Company's bus page.
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.
Elsewhere on the site
Buying a party bus or adding one to a limo fleet?
Text Redoubt each bus's seat count and weight, where you run, and how you handle alcohol on board. We will tell you which limit governs, which coverages the alcohol question adds, and which markets to talk to first.
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.