Does National General Insurance Offer Commercial Auto Coverage for Bus Operators?

Does National General Insurance Cover Commercial Bus Auto?

National General Insurance, a well‑known provider of general liability and property insurance, does indeed offer commercial auto policies that can cover bus fleets. However, the exact coverage, limits, and eligibility depend on the type of bus (public transport, school, charter, or private), the number of passengers, and the vehicle's use. Below is a clear, step‑by‑step overview of what you need to know.

1. Types of Commercial Auto Coverage for Buses

A. Passenger Bus Liability

This covers bodily injury and property damage caused to third parties when your bus is operating as a public or private passenger vehicle.

B. Commercial Cargo and Passenger Bus

Applicable if the bus transports goods in addition to passengers, such as school buses carrying items or charter vehicles that transport luggage.

C. Comprehensive and Collision

These optional coverages protect against damage to the bus itself from collisions, theft, or natural events.

2. Eligibility Criteria

National General Insurance evaluates each fleet on a case‑by‑case basis. Key factors include:

• Number of vehicles (usually 3 or more for bulk discounts)
• Annual mileage and routes
• Driver qualifications and training records
• History of claims and safety incidents

3. Coverage Limits and Deductibles

Typical limits for commercial auto policies with National General include:

4. How to Apply for a Commercial Auto Policy

Follow these steps to secure coverage:

5. Additional Services for Bus Operators

National General also offers:

• Risk management consulting to reduce claim frequency.
• Driver training programs with discounts on insurance premiums.
• 24/7 claim support for emergency incidents.

6. Frequently Asked Questions

Do I need separate coverage for each bus?

Not necessarily. A multi‑vehicle policy can bundle coverage for all buses, often at a lower per‑vehicle rate.

What if my bus is used for school transport?

National General offers specialized school bus policies with higher liability limits and student injury coverage.

Can I add roadside assistance?

Yes, an optional roadside assistance add‑on is available for an additional monthly fee.