Keystone has developed a customized insurance program for school bus contractors based on our years of industry expertise.

As independent agents, we’re also small business owners. We believe that it takes a team – with the right relationships – to make it work.

 

We understand the needs of contractors and how those needs translate into the right coverage and risk management program.

 

Do you have the right insurance relationships for your business?

Our coverage can respond in ways unique – and valuable – to your business.

How would your current policy respond to these real-life scenarios?

Lot Coverage: How many vehicles can you afford to lose at once? We provide comprehensive coverage on vehicles you choose to be covered.

Molestation and Abuse Coverage: Is your coverage broad enough on the definition of “abuse?” Our broad form provides comprehensive coverage.

FMCSA/DOT Compliance: Do you test drivers for drug and alcohol? Tough hiring situation? We can help you maintain state and federal compliance. Hotlines help answer compliance questions.

Liability Coverage: Are you able to get high umbrella limits when needed? We have access to a market to provide this coverage.

Personal Insurance: Are you struggling to hire new drivers? We have access to a premier solution for your drivers, including home and auto insurance at notable savings.

This program is offered through our independent insurance agents. To request more information or a quote, fill out the form below.

School Transportation

No Limitation for School Bus Coverage on the Lot

Risk Factor

You invest a considerable amount of dollars in maintaining and upgrading your fleet. You need full protection of hazards such as hail, fire, flood, and vandalism – especially while your buses are parked overnight.

Solution

Our program provides no limitation on bus lot coverage. We work with contractors to develop plans for emergency evacuation and how to better protect buses while parked overnight.

Sexual Misconduct and Abuse Coverage

Risk Factor

School districts now require coverage for sexual misconduct in school contracts, as claims are more prevalent today than ever before. Cell phones, cell phone cameras, and social media present potential new bullying exposures.

Solution

Sexual misconduct and abuse is a part of our liability coverage and can be written with limits of $250,000, $500,000 or $1,000,000. The coverage is priced very competitively and may include coverage for mental or physical injury. We also offer peer-on-peer bullying coverage for incidents that happen between students.

Claims Management Expertise

Risk Factor

Unfortunately, accidents happen. You need a partner that will help you throughout the claims process.

Solution

Our program offers a risk control and fleet specialist that understand the challenges your business faces, and will work with our carrier and you to advocate for improving the outcome of losses.

Risk Control Solutions

Risk Factor

Drivers must be constantly vigilant about safety while loading, unloading, and transporting students, performing multiple checks to ensure students enter and exit the bus and get to their destination safely.

Solution

Our program offers ongoing training opportunities for drivers to enhance their safety knowledge that can help mitigate claims. Training topics include defensive driving, accident response, pre/post inspections and crisis management.

Coverage for Buses with Unique Features

Risk Factor

You invest a lot into your fleet. Buses with unique features, including lifts or harnesses such as those for persons with disabilities, present unique risk exposures.

Solution

Our program offers coverage for buses equipped for students with disabilities. Our program offers specific safety training solutions to help drivers learn how to operate unique bus features such as lifts. We can perform a strategic review of your operations for potential hazards and develop safety related safety training to improve loss outcomes.

Solution for High Value Equipment

Risk Factor

You have high valued cameras and telematics that are permanently attached to your vehicle.

Solution

With the increase of crashes, distracted driving as well as the need to monitor the behavior of bus students, the use of camera systems has become prevalent on school buses. The type of cameras run from very basic to detailed 4-camera systems placed in various areas of the school bus. The cameras may be exposed to theft or damage from an accident. Our policy provides automatic physical damage and theft coverage for the camera systems.

Additional Insured

Risk Factor

You have school districts that require to be named additional insureds.

Solution

School districts are provided automatic additional insured status for both auto and liability as long as there is a written contract. This is at no additional charge. Your polices will not need to be endorsed, as this is a benefit to our program.

A Program with Expertise to Meet Your Coverage and Exposure Needs

Risk Factor

If you are not currently working with an agent that has expertise in the field, there may be missing coverages or inappropriate limits on your policy.

Solution

Keystone brings over 20 years of industry expertise in the private school contracting field. Our agents know what questions to ask about your business to make sure your insurance needs are covered. Our carriers have developed auto forms tailored to school buses, and we are experts in making state or federal insurance filings. We offer higher limits or environmental liability if you need it. Not all programs have these advantages – or expertise.

School Transportation - Interior

Solution for High Value Equipment

Risk Factor

You have high valued cameras and telematics that are permanently attached to your vehicle.

Solution

With the increase of crashes, distracted driving as well as the need to monitor the behavior of bus students, the use of camera systems has become prevalent on school buses. The type of cameras run from very basic to detailed 4-camera systems placed in various areas of the school bus. The cameras may be exposed to theft or damage from an accident. Our policy provides automatic physical damage and theft coverage for the camera systems.

Keystone is proud to be the only endorsed insurance program of The Pennsylvania School Bus Association (PSBA) and the National School Transportation Association (NSTA). We are a member of  Connecticut School Bus Association (COSTA), Maryland School Bus contractors Association (MSBCA), Minnesota School Bus Operators Association (MSBOA)Missouri School Bus Contractors Association (MSBCA) ,   New Jersey School Bus Contactors Association (NJSBCA), New York School Bus Contractors Association (NYSBCA), Student Transportation Association of Massachusetts (STAM) Wisconsin School Bus Association (Wi-SBA).

Program insureds are eligible for risk control and safety enhancements through our compliance specialists.

Since 1995, our customized school bus contractors insurance program has provided contractors with the best possible combination of coverage, services, and competitive pricing.

Our broad coverage program includes:

  • Auto, Umbrella, Workers’ Compensation, and Abuse and Molestation.
  • Broad commercial auto coverage tailored to school buses.
  • Audio and visual equipment on the bus.
  • Coverage for sexual misconduct and abuse. This form is occurrence based versus claims-made and provides coverage against corporal punishment OR student-on-student bullying.
  • Broad physical damage available for vehicles stored on the lot. Endorsements available that correspond to making state and federal filings.
  • High umbrella limits available.
  • Round out policies with pollution, cyber liability, and employee benefits.

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Keystone has developed a customized insurance program for school bus contractors based on our years of industry expertise. We understand the needs of contractors and how those needs translate into the right coverage and risk management program.