Motorcoach Insurance

Quick Answer

Motorcoach Insurance

Commercial insurance for charter bus, tour bus, and motorcoach operators. Federal DOT compliance, FMCSA filing, and state permits handled by our producers.

Auto Liability Coverage

Federal regulations require $5M combined single limit for interstate motorcoach operations. Intrastate requirements vary by state but are typically

Insure Limos | Commercial Transport & Luxury Livery Insurance

M–$5M. We file all required state and federal insurance forms.

Passenger Accident Coverage

Covers medical expenses and accidental death benefits for passengers. Required by many charter contracts and group tour operators. Limits typically

Insure Limos | Commercial Transport & Luxury Livery Insurance

00,000–$500,000 per passenger.

Physical Damage

Comprehensive and collision coverage for your motorcoach fleet. Agreed-value options for high-value coaches. On-hook/towing coverage available for breakdowns during trips.

DOT & FMCSA Filing

Interstate motorcoach operators must register with the FMCSA and maintain an active DOT number. We handle all required filings (Form MCS-90) to keep your operating authority current.

Frequently Asked Questions

How much does motorcoach insurance cost?

Motorcoach insurance costs $8,000–

Insure Limos | Commercial Transport & Luxury Livery Insurance

5,000 per vehicle per year depending on the number of passengers, routes, and driver safety record. Fleet discounts apply for 5+ vehicles.

Do I need FMCSA registration for a charter bus?

Yes, for interstate operations. Any bus operation crossing state lines must register with the FMCSA, obtain a DOT number, and file Form MCS-90. We handle these filings.

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