COMPARE & SAVE
Party Bus Insurance
Running a party transportation business definitely brings risks that regular auto insurance just doesn’t touch.
Carriers We Work With
How Much Is Insurance For Party Buses?
24%
Average Premium Savings
Most small businesses pay about $300–$500 a month. Location really matters here. Some areas see premiums up to 30% higher just because of local rules or higher accident rates. Not much you can do about geography, but it’s good to know.
Average Savings
We have helped our customers save an average of 24% on their annual premiums.
Compare & Save
Don’t just grab the first quote you see. Comparing offers can reveal some interesting differences in coverage and pricing.
Commercial Auto
Commercial auto is the backbone protecting you from damage due to accidents, theft, or vandalism.
Annual Review
At a minimum, review your policy every year before renewal. If you add vehicles or expand your service area, update right away.
Understanding Insurance Requirements For Party Buses
Party bus operators face some liability risks that regular vehicle insurance just doesn’t cover. Party bus coverage is different from standard commercial coverage because it has to cover things like passenger injuries, property damage, and the messes that come with alcohol on board.
Key Types Of Coverage
+ Commercial auto for your fleet basics
+ Liability coverage for third-party injury claims
+ Physical damage for repairs to your own bus
+ Passenger accident coverage for medical bills if riders get hurt
Required by State Law and Lenders
Most states force commercial vehicle operators to carry liability insurance, and party bus companies usually need even higher limits because of all those extra passengers.If you’re financing your vehicles, banks and lenders will want to see comprehensive insurance before they’ll even think about approving a loan. They want their investment safe, just like you do.
Financial Protection Against Lawsuits
Moving groups of people who might be drinking? That’s a recipe for higher risks—accidents, injuries, you name it. It’s just more complicated than your typical shuttle service.Without solid coverage, one bad accident could mean huge medical bills or legal headaches. Business insurance protects party bus companies from those kinds of expenses.
How Party Bus Insurance Differs From Other Business Insurance
Unique Risk Factors
Party buses face way more complicated risks than regular commercial trucks. People are drinking, dancing, wandering around—standard business insurance just doesn’t account for that.And don’t forget, these vehicles are packed with expensive sound systems, lighting, and custom interiors. Regular auto policies? They often don’t cover those upgrades.
Higher Coverage Limits
You’ll need higher liability limits, no question. One crash could mean multiple passengers with serious medical bills.
Specialized Policy Features
+ General Liability – Covers slip-and-fall incidents during boarding
+ Liquor liability insurance – This policy is huge if you have passengers drinking on board. It covers you if someone gets drunk and causes harm or damages property.
+ Property Coverage – Protects custom interior equipment and modifications
+ Garage Keepers Coverage – Protects customer property left on the bus
The way these policies are built is different because party buses are part transport, part rolling nightclub.
How To Save On Your Party Bus Coverage
+ Bundle coverage with one insurer
+ Add safety tech like cameras and GPS
+ Keep driving records clean across your team
+ Pick higher deductibles if you can swing it
+ Have your drivers complete training for potential discounts
Our Insurance
Marketplace
in Numbers
2019
Year Founded
1M+
Policies Issued
24%
Annual Savings
Testimonials
”
We saved almost 30% off on our annual coverage with the same carrier we had already been using.
Aden Slater
CEO Atlanta Party Transport
Your Commercial Auto Insurance Solution
Getting the right party bus insurance isn’t just about the cheapest price. It takes some legwork: picking the right provider, bundling wisely, and updating coverage as your business changes. Do it right and you’ll protect your business without overpaying.
Compare Quotes
Always get quotes from a few providers.
Costs vary a lot depending on what you need and your business size.Don’t be shy about asking if they know your state’s regulations.
Every state’s got its own rules, and you don’t want to find out after the fact that you’re missing something.
24/7 Support
Look for a provider that actually focuses on commercial transportation.
Specialists in transportation insurance understand the weird quirks of party bus risks.Standard auto policies just don’t cut it here.
Make sure you’re getting coverage built for passenger entertainment businesses.
Annual Review
Review your insurance every year—or sooner if something big changes. Adding buses, new locations, or expanding services all mean it’s time to check your coverage.
If you swap out vehicles or boost your passenger count, update your liability limits so you’re not underinsured.
Frequently asked questions
Party bus insurance requirements really do depend on the state. Some places want higher liability limits, and the size of your bus (and how many folks it carries) is a big factor in your premium. Essential coverage usually means commercial auto, general liability, and some sort of passenger protection.
