Florida Party Bus Insurance

Looking for the right insurance for your party bus business? Barbee Jackson Insurance works with the leading commercial auto insurance carriers to get you the right coverage the first time. Our Insurance agents work with dozens of business owners like you to find the best rate on your transportation insurance. Call us today to get started at (850) 389-2001

Coverage Options – Party Bus Operations

  • Commercial Auto Liability Insurance
  • Physical Damage
  • General Liability
  • Workers’ Compensation
  • Commercial Umbrella

If you’re new to the industry and interested in starting a party bus business, it important to know the insurance requirements. If you plan on crossing state lines you will be classified as a “interstate hauler” and will be governed by the FMCSA. The FMCSA requires higher liability limits which will drive up the insurance costs, so It’s best to stay within your state to save the most on your insurance.

Federal Motor Carrier Safety Administration (FMCSA) – Transportation Insurance Requirements for
Interstate – Crossing State Lines

Vehicle that is designed to transport 16 or more passengers (including driver)

$5,000,000 in Combined Single Limit (CSL)

Vehicle that is designed to transport 15 or less passengers (including driver)


Intrastate – Inside the State of Florida

CMVs exceeding 26,000 pounds GVW, but less than 35,000 pounds GVW


CMVs with 35,000 pounds GVW, but less than 44,000 pounds GVW


CMVs with 44,000 pounds or more GVW


CMV: Commercial Motor Vehicle(s)
GVW: Gross Vehicle Weight

What is the Average Cost of Party Bus Insurance?

Business insurance costs will vary among region, drivers, owner, and how many years you have been in business. Depending on these factors and the coverage levels chosen you can expect to pay anywhere in the range of $300 – $500 per month.

Florida Party Bus Coverage Options

Liability Coverage – This type of insurance will protect you against liability risks that you will face if you, or an employee of yours, is involved in an accident and found to be at fault. Your liability insurance will cover bodily injury claims, providing financial support for the medical expenses of the injured party. In addition, your liability coverage will also include property damage incurred in the accident. If legal action is taken out against you because of the accident, your liability insurance will also cover the cost of your defense regardless if you are found to be at fault or not.
Physical Damage – This is the type of insurance that you need to pay for the damage to your own limo during an accident or because of another incident. Coverage will include both comprehensive, damage caused by vandalism, theft or severe weather, as well as collision damage caused by an accident.
Customization – This coverage will provide additional money for customization done to your party bus.
Underinsured or Uninsured Motorists Insurance* – If your limo is damaged or you sustain injuries in an accident that is caused by a party that does not have sufficient auto insurance coverage, this policy will pay for your property damage and injuries.*Please note: This coverage is state specific and can vary depending on where the vehicle(s) are registered. Please allow our educated agents explain this valuable coverage to you.
Employment Practices Liability Insurance – To protect you against wrongful acts of the employment process, i.e. termination, discrimination, or sexual harassment.

Getting a Risk Quote Is Easy

Because Party Bus Insurance varies greatly according to the customizations done to your Party Bus. In most cases, as side-by-side comparison of coverage is nearly impossible.

Fortunately, a Barbee Jackson Insurance agent can help you by comparing options, limits, and deductibles. Our experts take the time to get to know your business and the way you use your buses to help you save both time and money.

Do not make the mistake of thinking you have the best coverage available. Allow Barbee Jackson Insurance a chance to show you just how affordable the comprehensive coverage can be by calling (850) 389-2001

Get a Quote