We all know how important it is to have a vehicle covered by insurance, but if you're using a minibus to transport people, standard coverage may not be adequate in the event of an at-fault collision.
This is mostly a matter of scale. If eight or ten different people are all injured in a collision, a standard policy probably won't be able to cover the medical payments for all of them, leaving you to make up the difference. The larger policy cap of minibus insurance makes it much easier to handle a high number of claims.
There are three major forms of minibus insurance:
As the owner of a minibus, you want to be sure that everyone inside of it is covered. The amount of insurance you need can vary depending upon how many people use the minibus as well as the purpose of its usage. Speak to a BMV Insurance Services agent about how you plan to use the vehicle before asking for a quote. This will help you get the most affordable coverage while making sure everyone in the vehicle is adequately covered.