NAICS UNIVERSITY · Free research for insurance agents
School and Employee Bus Transportation
NAICS 485410 · United States · 2022 edition
This industry comprises establishments primarily engaged in providing buses and other motor vehicles to transport pupils to and from school or employees to and from work.
Start the review with passenger bodily injury.
For School and Employee Bus Transportation, the saved research highlights passenger bodily injury, commercial auto liability, workers' compensation. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- How many vehicles are in the fleet, and what is the seating capacity of each?
- Are operations exclusively school bus, exclusively employee shuttle, or a mix of both?
- What contracts are in place, and do they specify minimum liability limits or additional insured requirements?
- What is the MVR screening and background check process for drivers?
- Is there any charter, special events, or non-contracted passenger service, even occasional?
- Does the operator own or lease terminal and maintenance facilities, and are fueling operations on-site?
- For School and Employee Bus Transportation, what should the underwriter know about prior passenger bodily injury claims or pattern of auto liability losses?
- For School and Employee Bus Transportation, what should the underwriter know about high driver turnover or inability to document consistent mvr and background screening programs?
Activities described by this code
Other activities to examine
- Operating local and suburban bus transit systems (except mixed mode): 485113 — Bus and Other Motor Vehicle Transit Systems
- Providing interurban and rural bus transportation: 485210 — Interurban and Rural Bus Transportation;
- Providing buses for charter: 485510 — Charter Bus Industry
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
School and employee bus transportation establishments operate fleets of buses or other motor vehicles to carry students to and from school facilities, or to transport employees between worksites, parking areas, or transit hubs. Operations typically involve fixed routes, scheduled runs, and drivers subject to CDL and background-check requirements. Many operators work under contracts with school districts, municipalities, or private employers.
Questions to investigate
- How many vehicles are in the fleet, and what is the seating capacity of each?
- Are operations exclusively school bus, exclusively employee shuttle, or a mix of both?
- What contracts are in place, and do they specify minimum liability limits or additional insured requirements?
- What is the MVR screening and background check process for drivers?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.