May is one of the most eventful months in the school transportation calendar. With the end of the school year approaching, field trip season at its peak, and contract renewals on the horizon, Delaware school bus contractors have a lot on their plate — and a lot at stake.
At Reed, Wertz and Roadman, Inc., we’ve been insuring Delaware’s school buses for over 20 years. Here’s what we think every contractor should be thinking about this May.
- Field Trip Season Is Peak Exposure Time
May means field trips — museums, nature centers, graduation events, and end-of-year celebrations. These trips often take buses off familiar routes and into unfamiliar territory. Additional mileage, highway driving, and new drop-off locations all increase your exposure.
Make sure your auto liability coverage reflects field trip activity. If your policy is rated for standard school routes only, extended trips could create gaps you don’t know about until a claim arises.
- Contract Renewal Season Is Here
Many Delaware school districts begin the contract renewal process in late spring. Before you sign anything, take a close look at the insurance requirements embedded in your contract. Districts are increasingly requiring higher liability limits — and what was sufficient last year may fall short today.
This is the perfect time to call our office and do a quick policy review. We’ll make sure your coverage aligns with what your district requires before you put pen to paper.
- Don’t Let Summer Lull You Into a Coverage Gap
Once the school year ends, buses sit. But parked buses still face risk — theft, vandalism, storm damage, and liability don’t take a summer vacation. Make sure your comprehensive and physical damage coverage stays active during the off-season.
If you plan to reduce coverage over summer to save on premium, talk to us first. We can help you find the right balance without leaving your fleet exposed.
- New Drivers Added for End-of-Year Activity?
If you’ve brought on additional drivers to handle the May rush, confirm they’re listed on your policy. An unlisted driver involved in an accident can complicate your claim significantly.
- It’s a Great Time for a Mid-Year Coverage Check
Before summer break hits, use May to take stock of your entire operation:
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- Has your fleet size changed?
- Have any drivers had violations or accidents this year?
- Are your coverage limits still aligned with district requirements?
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A 15-minute conversation with our team can save you from a very expensive surprise. Ready to review your coverage before the school year ends? Let’s connect!
Disclaimer: The information provided in this blog post is intended for general informational purposes only and does not constitute legal, financial, or professional insurance advice. Coverage availability, terms, conditions, exclusions, and pricing vary by carrier, policy, and individual circumstances. Not all products and coverages described are available in all states. Please consult a licensed insurance professional to discuss your specific coverage needs before making any insurance decisions. This content is not a guarantee of coverage or a binding quote.