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.
This program is offered through our independent insurance agents. To request more information or a quote, fill out the form below.
School Bus Coverage on the Lot
Risk Factor
You invest a considerable amount of dollars in maintaining and upgrading your fleet. You need protection from hazards such as hail, fire, flood, and vandalism—especially while your buses are parked overnight.
Solution
Our program provides access to on-lot bus coverage. We work with contractors to develop plans for emergency evacuation and how to better protect buses while parked overnight. Excess coverage may be required.
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 are a part of our liability coverage. The coverage is priced very competitively and may include coverage for mental or physical injury. Peer-on-peer bullying coverage for incidents that happen between students may be available.
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 which can help mitigate claims. Training topics include defensive driving, accident response, pre/post inspections, and crisis management. We also leverage cutting-edge technology to enhance safety and minimize risk through telematics monitoring, video analysis, risk assessments, SAFER evaluations, and dedicated helplines.
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 and 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.
We are following the development and implementation of electric buses and how these will impact your insurance needs.
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 an additional insured status for both auto and liability as long as there is a written contract. This is at no additional charge. Our team can review your school contracts to safeguard your obligations for insurance coverage.
A Program with Expertise to Meet Your Coverage and Exposure Needs
Risk Factor
If you are not currently working with an agent who has expertise in the field, there may be missing coverages or inappropriate limits on your policy.
Solution
Keystone brings over 25 years of industry expertise in the private school contracting field. Our agents know what questions to ask about your business to help make sure your insurance needs are covered. Our carriers have developed auto forms tailored to school buses, and we are specialists in making state or federal insurance filings. We offer environmental liability, claims management, and risk control if and when you need it. Not all programs have these advantages–or capabilities.
Environmental Liability
Risk Factor
School buses and school bus maintenance facilities store and utilize chemicals that can seep into the air, water, or soil. Accidents while transporting students can cause liabilities for pollutants spilled on sites not owned by the insured. Clean-up costs can be exorbitant.
Solution
Our program offers pollution liability that can help pay for environmental remediation stemming from a pollutant that originated from your covered location. It also includes coverage for remediation costs due to off-site contamination, and non-owned disposal site coverage designed to protect against claims for bodily injury, property damage, or cleanup costs made against contractors disposing of waste at another facility.
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.
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Program insureds are eligible for risk control and safety enhancements through our compliance specialists.
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 the 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), and Wisconsin School Bus Association (Wi-SBA).
Since 1995, we have been writing school bus contractors, providing them a combination of coverage, services, and competitive pricing.
Our broad coverage program includes:
- Auto, Umbrella, Workers’ Compensation, and Abuse and Molestation.
- Commercial auto coverage tailored to school buses.
- Audio and visual equipment on the bus.
- Coverage for sexual misconduct and abuse.
- Umbrella limits available.
- Round out policies with pollution, cyber liability, and employee benefits.
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