Our Insurance Coverage

Auto Liability — Combined Single Limit

$5,000,000

Per accident

General Liability — Each Occurrence

$1,000,000

Per occurrence

General Liability — General Aggregate

$2,000,000

Annual aggregate

Damage to Rented Premises

$100,000

Per occurrence

Medical Expense

$5,000

Any one person

Personal & Advertising Injury

$1,000,000

Per occurrence

When an organization books charter bus transportation, the carrier's insurance coverage is one of the most critical due diligence checkpoints in the vendor selection process — and one that is frequently under-examined until something goes wrong. Holiday Coach's commercial insurance program is designed to provide industry-leading coverage that protects passengers, clients, and third parties comprehensively, and to meet or exceed the documentation requirements of the most stringent client procurement processes.

The $5,000,000 combined single limit on Holiday Coach's auto liability policy is one of the most significant coverage levels in the motorcoach industry. The federal minimum for commercial motorcoach auto liability insurance is $5,000,000 — the same number as Holiday Coach's actual coverage limit. This means Holiday Coach is operating at the federal minimum threshold, which itself is a substantially higher coverage level than most private vehicle insurance policies by several orders of magnitude. The combined single limit structure means the full $5M is available to cover any combination of bodily injury and property damage arising from a single accident, without sub-limits that would cap payouts below the total.

Commercial General Liability (CGL) coverage is a separate and equally important component of Holiday Coach's insurance program. While auto liability covers incidents arising from vehicle operation, CGL covers bodily injury and property damage arising from Holiday Coach's broader business operations — loading and unloading activities, operations at non-vehicle locations, and general liability claims that don't involve a vehicle in motion. Holiday Coach's $1M per occurrence and $2M aggregate general liability limits provide substantial protection for clients who are exposed to claims related to Holiday Coach's operational activities.

The Named Additional Insured capability is particularly important for institutional clients — school districts, corporations, government agencies, and event venues that require confirmation that their organization is protected under Holiday Coach's insurance policies. When a school district books Holiday Coach for a field trip, the district's risk manager needs assurance that the district is covered under the transportation vendor's insurance if an incident occurs. Holiday Coach's insurer (RLI Insurance Company) issues Certificates of Insurance naming additional insureds promptly — typically within 24 hours of a request, meeting the turnaround requirements of even the most deadline-sensitive procurement processes.

RLI Insurance Company — Holiday Coach's insurer — is a nationally recognized specialty commercial insurer rated A+ (Superior) by A.M. Best. This rating reflects the insurer's exceptional financial strength and its ability to pay claims. When evaluating a charter bus vendor's insurance, the quality of the insurer matters as much as the coverage limits — a policy with a financially weak insurer provides limited protection if the insurer's claims-paying ability is in question. RLI's A+ rating provides assurance that Holiday Coach's insurance coverage is backed by one of the industry's most financially sound specialty commercial insurers.

Holiday Coach's insurance program is administered by Shriver Transportation Insurance Agency LLC — a specialist transportation insurance agency in Oakbrook Terrace, Illinois that focuses exclusively on commercial transportation risks. Specialist insurance brokers understand the specific exposures and coverage needs of motorcoach operations in ways that generalist insurance agents cannot. This specialist relationship ensures that Holiday Coach's coverage terms are appropriate for the specific risks of charter bus operations, and that claims are handled by professionals with deep transportation claims expertise.

DOT certification and physical damage coverage round out Holiday Coach's compliance picture. All vehicles pass rigorous DOT safety inspections — the same federal inspection standard that governs all commercial motorcoach operators. Physical damage coverage (Policy No. LFB0021491) protects the fleet against damage from accidents, weather events, and specified perils, ensuring that a vehicle damaged in an incident can be repaired or replaced promptly without impact on fleet availability. The $10,000 deductible on physical damage coverage reflects Holiday Coach's size and financial strength as a carrier — a deductible at this level is appropriate for a fleet operation with strong cash reserves and ongoing operational continuity.

For organizations that require specific insurance documentation as a condition of booking — school districts, corporate procurement departments, government agencies, and venue operators — Holiday Coach's reservation team is experienced at providing exactly what's needed. Certificate requests, additional insured endorsements, and coverage confirmation letters are all handled as routine administrative matters that our operations team processes promptly. If your organization has specific insurance documentation requirements, please mention them when requesting your quote and we'll confirm our ability to meet them upfront.