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Q&A: Can anyone estimate how much liability insurance would be for a business that takes kids on field trips?

Question by Khoa: Can anyone estimate how much liability insurance would be for a business that takes kids on field trips?
We're looking into starting a business venture that will take kids to fun and educational placed during the summer. Just looking for a ballpark estimate on liability insurance and maybe any insurance recommendations in San Jose, CA. Thanks!

Best answer:

Answer by mbrcatz
It's going to matter, how many kids. Figure the commercial auto liability, for less than 50 miles radius, is going to run you $ 5,000 for just liability, for a small bus classification.

The general liability will probably run you $ 1500, and another $ 1500 if you want abuse and molestation legal defense coverage.

Group accident coverage for the kids, if they get hurt, would start at $ 1,000.

You can't buy any of these directly from an insurance company; you will need to see a local, independent agent near you, to get the actual quotes and coverages.

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