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Minibus Insurance in St. Louis, MO

We all know how important it is to have a vehicle covered by insurance, but if you're using a minibus to transport people, standard coverage may not be adequate in the event of an at-fault collision.

This is mostly a matter of scale. If eight or ten different people are all injured in a collision, a standard policy probably won't be able to cover the medical payments for all of them, leaving you to make up the difference. The larger policy cap of minibus insurance makes it much easier to handle a high number of claims.

Minibus Insurance Features

There are three major forms of minibus insurance:

  • Private use covers minibuses that are used for a single large family. This is an especially popular choice for families that are too big for a standard-size vehicle and decided to pick up a large van instead.
  • Hire and Reward covers the use of minibuses for picking up passengers, accepting payments from them, and dropping them off at another location. Essentially, this is the use of minibuses as a taxi service.
  • Business use covers minibuses that are used for any reason except private use or hire and reward. Groups that would need this format include churches, clubs, schools, organizations, and businesses that decide to pick employees up in a van rather than having all of them commute on their own.

As the owner of a minibus, you want to be sure that everyone inside of it is covered. The amount of insurance you need can vary depending upon how many people use the minibus as well as the purpose of its usage. Speak to a Graves Insurance Group agent about how you plan to use the vehicle before asking for a quote. This will help you get the most affordable coverage while making sure everyone in the vehicle is adequately covered.

Our Location

Graves Insurance Group

10097 Manchester Rd, STE 100
St. Louis, MO 63122
Main office: 314-266-3834
Fax: 314-394-2122

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

Bob and his team are such a pleasure to work with. They have taken great care of me, my family and my business needs and always with my best interest in mind.
- Christopher T., customer since 2009
Great service! Always available to answer questions.
- James S., customer since 2014
I know I have the best insurance option available and feel safe from a business standpoint knowing I'm covered.
- Steve B., customer since 2015
You and your staff kick ass. Whenever I have a request or question you guys knock it out of the park with responsiveness and timely response.
- Matthew G., customer since 2015
I mostly appreciate your responsiveness - when I call Graves Insurance, I get an answer along with a plan. Your commitment to service couldn't be more clear. In fact, just last week, I called on behalf of a FRIEND - it wasn't even for me - and your office manager gave me the information I needed. That's just awesome (thanks Amanda.) Also, Bob Graves is pro-active - more than once he has reached out to tell us about anticipated changes in the market and also provided some options to deal with it.
- James V., customer since 2009
Graves Insurance Group has always given us great service. We are been with Graves Insurance for five years for our auto and home insurance. Our premiums have been very fair and reasonable. We have had to make several claims in five years and we get the same level of great service. Thanks Bob and Team!
- Thomas N., customer since 2011
Bob and his team always deliver excellent customer service! Bob is very knowledgeable in the insurance industry. Thank you for all you do and making this one less thing I have to worry about!
- Elizabeth W., customer since 2011
You were personable, thorough, patient, and had follow through with your actions. I appreciate feeling like a new friend, rather than just a customer!
- Customer since 2016