Brookhurst Insurance provides commercial auto insurance to all types of businesses across California and the United States. We are located in Encino, California and are available to serve all of your business’s general liability needs.
If you’re looking to convert a shuttle bus, but don’t know how to get your bus conversion insurance, or perhaps you need help navigating the insurance roadblock, then Brookhurst Insurance Brokers can help you find the right, cost-effective insurance package for your needs.
Requirements for Shuttle Bus Conversion Insurance
There are multiple challenges for insuring a shuttle bus conversion. Although many insurance providers offer liability insurance, most are not willing to offer comprehensive insurance because of risks such as inexperienced workers for DIY conversions; lack of inspections that may lead to electrical or water damage; and the age of the vehicle, among others.
In addition, you need to consider the underwriting issues that may arise when insuring a converted bus for recreational purposes, such as:
- The vehicle gross weight - vehicles with a gross weight of over 12,000 lbs are only eligible for insurance as commercial auto - not private auto. You need to apply your state’s weight requirements to qualify for insurance.
- Modifications - the modifications you make determine the insurance policy that you are eligible for. For instance, removing all the seats from your shuttle bus - such that it remains empty - would make it ineligible for an RV policy, yet installing a bed, sink, toilet, and other custom features would qualify it for an RV policy.
- Body style - different insurance providers have different interpretations for body styles. A split-box style, for example, could be categorized as either a commercial truck and written on a commercial policy, or a personal truck, and written on a personal auto policy.
Need Help Insuring Your Converted Shuttle Bus?
Generally, your converted shuttle bus may only be eligible for a commercial auto policy because of its weight. This policy offers physical coverage, including roadside and towing coverage, but does not cover the contents of your vehicle. To get contents coverage, you need to qualify for an RV policy.
For help making the right modifications to be eligible for the best insurance policy for your converted shuttle box, please contact a Brookhurst Insurance broker today.