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Home Chapters 7.0 Passenger Transportation 7.7 Minimum Insurance Levels on Passenger Carrier Operations
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Note:

7.7 Minimum Insurance Levels on Passenger Carrier Operations

Regulations covering the minimum levels of financial responsibility (insurance) are found in 49 CFR 387, Subpart B. These regulations are only applicable to for-hire passenger carriers in interstate commerce as summarized in the below table.

Designed Vehicle Seating Capacity

For-hire Passenger Carriers

Business PMCPs

Non-Business PMCPs

16 or more, including driver

$5,000,000 insurance required

Not Subject

Not Subject

15 or less passengers, including driver

$1,500,000 insurance required

Not Subject

Not Subject

The table below summarizes the applicability of the minimum levels of financial responsibility regulations for school bus transportation.

Type of Student Transportation

School to Home/Home to School

Extracurricular School Activities Organized, Sponsored, and Paid by the School

Extracurricular School Activities Organized and Paid by an Independent Group (e.g., Athletic Boosters Club)

For-hire Contractors Transporting Pre-primary, Primary, and Secondary Students, and Accompanying Teachers

Not Subject, if paid for by school district

Not Subject

Bus seating capacity of 16 or more: $5,000,000 insurance required.
Bus seating capacity of 15 or less: $1,500,000 insurance required.

For-hire Contractors Transporting Post-secondary Students

Bus seating capacity of 16 or more: $5,000,000 insurance required.
Bus seating capacity of 15 or less: $1,500,000 insurance required.

Bus seating capacity of 16 or more: $5,000,000 insurance required.
Bus seating capacity of 15 or less: $1,500,000 insurance required.

Bus seating capacity of 16 or more: $5,000,000 insurance required.
Bus seating capacity of 15 or less: $1,500,000 insurance required.
Disclaimer
This publication is distributed by the U.S. Department of Transportation, Federal Motor Carrier Safety Administration (FMCSA). It is meant to serve as a guide only and the Agency does not assume responsibility for any omissions, errors, or ambiguity contained herein. The contents may not be relied upon as a substitute for the Agency’s published regulations.

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