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COMMERCIAL AUTO

Bodily Injury and Property Damage Liability

Even the best — and most well-trained — drivers suffer mishaps. Bodily injury and property damage coverage can compensate those injured in an accident involving an insured vehicle, or pay for damages to another vehicle.

We can accommodate your bus operation's needs with up to $5 million Combined Single Limit (CSL) in bodily injury and property damage coverage. (Please inquire should you require higher limits.)

The following liability coverages are also available, where applicable:

• Personal Injury Protection (PIP)
• Uninsured Motorist Coverage (UM)
• Underinsured Motorist Coverage (UIM)
• Medical Payments (Med Pay)

Physical Damage (Specified Perils & Collision)

When your vehicles are your livelihood, we know how devastating an accident can be. Our physical damage experts will get your vehicle repaired and back in money-making service...fast!

Physical damage coverage includes:

• Collision — Covers repairs or replacement to your insured vehicle resulting from an accident involving other vehicles or stationary objects
• Specified Perils — Pays for damage to your insured vehicle from fire, theft, vandalism and other covered perils

We offer a variety of deductibles from $1,000 up to $25,000, depending on your needs (and budget).

GARAGE LIABILITY

If your bus operation includes a garage or repair facility, we've got you covered — with limits up to $5 million CSL.

GARAGEKEEPERS LEGAL LIABILITY

Garagekeepers legal liability coverage is designed for business owners who need protection when vehicles, other than their own, are left in their care, custody and control. We can provide you with the coverage limits you need at a price you can afford.

GENERAL LIABILITY

General liability coverage protects other critical components of your business, including your facility, office areas, parking areas, outside storage facilities and vacant land. We offer a wide range of coverage and limit options, and can help you decide what's best for your business.

WORKERS’ COMPENSATION

Workers’ compensation insurance protects your business and your employees in the event of job-related injuries and illnesses. Underwritten by StarStone National Insurance Company (a subsidiary of Core Specialty Insurance Holdings, Inc.), our coverages include:

• Statutory Workers’ Compensation — Covers the cost of medical expenses and lost wages for injured workers
• Employer’s Liability — Protects your business up to $1M limits (subject to statutory minimums) from liability for employees' workplace injuries

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Here's a glimpse into the complimentary tools and services we offer:

• Easy-to-use accident and claim reporting aids
• SafetyLink Hotline, a policyholder-exclusive service to help you get answers or additional information on loss control issues and DOT regulations
• Safety Stop, our blog for loss prevention information, risk management tips and regulatory updates to help you reduce losses and enhance compliance efforts
• 24/7 online access to driver training videos to help your drivers be the best they can be
• Our Business Resource Hub, an extensive library of materials to help you safeguard your vehicles and employees, comply with FMCSA regulations and manage your business successfully
• Lancer Classifieds, your online policyholder-exclusive bus equipment exchange
• Safety In Motion, a pre-departure safety video that's easy for passengers to understand
• "Stay Seated" stickers to remind your passengers to stay seated and safe when the coach is in motion
• Museum quality signed and numbered "bus" lithographs produced from our commissioned oil paintings
• High-quality Loss Control Services
  • Lancer’s team of seasoned loss control professionals, dedicated to helping you reduce your potential for loss and manage the impact of accidents and the costs associated with them

We also offer discounts on valuable products for your business to help you save money, including:

• Safety Step, quality coach step stools that add to your customers' convenience while protecting your company against costly claims

In the event of an accident, you'll have the claims resources and support you need right by your side...24/7/365. With decades of practical knowledge in the bus industry, we know how essential it is for you to quickly get back to serving your customers.

And, with our Loss Recovery Program, our claims team will assist you with recovering out-of-pocket and down-time expenses, including your deductible, when others are at fault for your loss...at absolutely no cost to you.