Busgard: School Bus Operators

Busgard is the premiere insurance program for school bus operators. Our underwriting team has been writing insurance for the student transportation business for over a decade.

Coverage Highlights

Basis of Coverage

  • Occurrence

Coverage Available


  • Auto extra coverage endorsement
  • MCS-90B

General liability

  • Abuse and molestation
  • EPLI-sub limit


  • Property enhancement endorsement (highlights include: business income, EDP, tools, etc.)
  • Equipment breakdown
  • Identity recovery coverage


  • Employee dishonesty
  • Theft

Inland marine

  • Contractors's equipment

Umbrella/Excess liability

Coverage Amounts

Minimum Policy Premium

  • $1,000

Minimum Policy Deductible

  • $500

Policy Limits / Capacity

  • $1 million with $4 million excess available

Appetite and Availability

Targeted Classes

  • School bus contractors

Excluded Classes

  • 100% charter operations
  • Coach buses

Geographic Availability

  • United States


  • Local brokers

Additional Information

  • Available in most states
  • "A" XV Rated Carrier


Patrick Connors
VP Business Development

Contact us today to learn how partnering with Paragon can make you more productive and successful.