Courtesy and Airport Shuttle Insurance

Courtesy shuttles and airport shuttles make countless trips, particularly from hotels that operate buses or vans to transport visitors to and from the airport and other locations. Whether you offer shuttle services in the hospitality industry or you operate a shuttle transportation service itself, Forge Insurance can help protect your drivers, passengers, vehicles and business. Our courtesy shuttle insurance and airport shuttle insurance will protect you against the potential financial hardship that can result from an accident involving your shuttle.

Forge Insurance also provides an exclusive School Shuttles Insurance Program designed to help navigate the risks involved while on the road to protect against third-party bodily injury and/or property damage as well as physical damage and/or loss to vehicles due to accidents, fire, theft or malicious damage. We protect all types of commercial vehicles, providing school shuttle insurance, airport shuttle insurance and courtesy shuttle insurance; we understand the risks operators face in making the drive to and from schools, airports and around town.

Forge's 80-plus years of experience has enabled us to keep pace – and stay ahead – of the changing commercial transportation industry. We offer coverage solutions that protect courtesy shuttles and school shuttles, as well as hearses, taxis, sedans & limousines, last-mile delivery and couriers. Because of this experience, we are able to serve emerging niches like ridesharing and food trucks as they have exploded onto the scene.

Commercial Auto insurance is what we do. Delivering on the promise to be there for you when needed is our mission. We specialize in knowing our customers' businesses and providing a high level of protection and service at an exceptional value. We match and customize the right insurance coverages to their risks and needs at competitive rates. We provide specialized underwriting and claims services to craft the best protection and to speed their recovery when faced with accidents or disasters.

With more than 80 years of transportation insurance, Forge understands the risks faced by transportation companies. We provide tailored coverages for a wide range of passenger vehicles, including owners and operators of hearses, taxis, luxury sedans and stretch limousines, along with SUVs, vans and work trucks. Our commercial auto insurance program includes the following critical coverages:

Bodily Injury Liability

If you're in an accident while driving your courtesy shuttle, and there are third-party injuries for which you are found to be responsible, the policy will pay for the related expenses and bills, including medical care, hospital payments, and rehabilitation. It will also pay for defense costs and settlements or judgments that may result from a claim, up to the policy limits.

Property Damage Liability

If you're in an accident while driving and someone else's vehicle or property is damage, the policy will pay for repairs or replacement of the damaged vehicle or property.

Medical Payments

This coverage protects the driver and the passengers in your courtesy shuttle. In the event that your vehicle is involved in an accident and the operator or the passengers get injured, the policy will pay for the medical expenses arising from the accident.

Collision

Offers protection for your courtesy shuttle if it collides with another vehicle or a physical object, and pays for the costs of the limo repairs or replacement.

Comprehensive

Protects your hearse from accidents other than a collision. In the event of theft, vandalism, fire, or hailstorm damages to your courtesy shuttle, the policy will pay for vehicle repairs or replacement.

Uninsured or Underinsured Motorists

Protects you against drivers of other vehicles who do not carry liability coverage or who do not have enough insurance to cover the full extent of the damage if they are responsible for the accident.

Commercial auto insurance for airport / courtesy shuttles and other vehicles in the public transportation industry typically have higher rates than other business segments. This is largely because of the inherent risk or exposure due to the nature of public transportation. Courtesy shuttle owners make money when they are transporting passengers. However, the risks increase when the wheels are always turning. This is different from other industries, such as professional services, that may use commercial vehicles to run errands. That said, there are many factors that contribute to insurance premiums. They include:

Your Location

Your geography plays a role in how much insurance coverage costs. You may pay more in a larger city than in a smaller town.

Seating Capacity

As a rule of thumb, as the seating capacity inceases, so does the insurance premium. This makes sense because the more shuttle passengers you have, the more exposures you have in the case of an accident.

Driving History

Your driving experience matters to insurance companies. You can expect insurers to collect motor vehicle reports for drivers on your policy for the last three years. The drivers on your policy with multiple accidents and violations will cause your premiums to increase.

Coverage Requirements

The coverage and limits you choose will have an impact on the overall premium. For example, higher liability limits or coverage equates to a higher premium as opposed to state minimum limits. Forge Insurance has a wide range of coverage options to help you tailor a commercial auto policy to fit your needs at an affordable price.

If you are in search of the cheapest commercial auto insurance, there are ways to lower your premium. First, keep a clean driving record. Driving history is one of the largest impacts on premium. Second, change your coverage limits and deductibles. For example, you can decrease your combined single limit from $300,000 to $100,000 or increase your deductible to share more of the risk. However, you may pay more out-of-pocket in case of an accident. Finally, Forge Insurance offers both paid-in-full and commercial drivers license (CDL) discounts. These discounts will help you save money on commercial auto insurance. The best advice is to tailor a commercial auto policy that offers the best coverage at a price you can afford. Let Forge Insurance help you customize a policy that fits into your unique cost and value situation.

Insurance companies generally have a set of shuttle insurance requirements and rating factors you'll need to consider. These might include:

• Your service area. Service areas of over 300 miles are not acceptable
• The vehicle's length – your insurance company may have guidelines for stretched vehicles and seating capacity
• The age of the vehicle – older cars may not be acceptable
• Minimum coverage limits and your deductibles – you may be required to carry higher limits than state minimum coverage

The state, or states, where you operate might have additional or different requirements. Be sure to check with your local DMV for exact requirements or restrictions.