Public Liability Insurance for Coach Operators

Why Coach & Bus Operators need liability insurance

You may think that running a coach or bus operation business and arranging holiday travel or putting on coach tours is somewhat unlikely to require the need for liability cover but with a large number of customers using your transport company, what if someone trips over in your coach yard or a driver mishandles and damages a passenger’s luggage? Injury or property damage claims are on the rise so having such cover is a top priority. This is where public liability insurance is a business necessity.

This insurance policy will protect you from unforseen and costly incidents that coach operators could be liable for and which could end up putting your operation into financial difficulty. Public liability insurance for bus & coach operators is not required by law but is an important part of your business’ security.

Common types of claims

• The bus driver drops and damages a passenger’s suitcase
• Customer visits your coach yard and trips over injuring themselves
• The minibus door is shut on a customer’s hand when they are getting in

This cover is optional but Ashburnham recommends that you certainly consider having it. Furthermore, if you have employees, you will need to have employers liability insurance by law.

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