Texas Party Bus Insurance

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

Understanding Texas Insurance Requirements – Liability Limits

Texas State law requires all passenger transportation businesses to maintain commercial auto insurance in the following amounts.

CSL is a single dollar limit that applied to any combination of property damage and bodily injury, instead of the split limits that are more common in personal auto insurance. Transportation Insurance is most commonly a combined limit liability coverage amount.

The above requirements are for intrastate operations. Intrastate is for transportation businesses that don’t cross state lines, meaning your business doesn’t leave Texas. If you plan on taking passengers over state lines than you are an interstate business and are governed by the FMCSA.

Federal Motor Carrier Safety Administration (FMCSA) Insurance Requirements

Costs vary depending on area, vehicle, drivers and years of prior insurance. New venture can expect to pay between $6,000 to $8,000 per year. Business with three (3) or more years of prior insurance and no losses can expect to pay 22% less than new venture operations.

Texas 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