PUBLIC ENTITIES

WHO OUR PRODUCTS ARE FOR — AND WHO THEY'RE NOT FOR

We pride ourselves on specialization. This means our policies aren't cookie cutter—and they won't work for every organization out there. Before you send in an application, save yourself some time by learning more about our appetite, and please reach out with any questions.

Appetite Guide for Educational Institutions

APPETITE GUIDE

EDUCATION

  • Rural and suburban public school districts of various sizes and many boards of education are generally a good fit
  • 2-year junior, community and vocational schools without dormitories may also be eligible
  • Preferably in business for three years, but start-up schools may be eligible
  • Select non-Catholic religious schools are acceptable given that religious doctrines and texts are not the primary focus for education
  • Virtual and cyber components may be acceptable, but the school should not be 100% virtual
  • The school must be properly accredited
  • Not-for-profit Charter Management Organizations (CMO's) preferred. For-profit CMO's may be considered
  • In business for 5 years
  • Minimum fleet size of 25 buses or $50,000 in premium
  • Wheelchair accessible units should be less than 25% of the total bus fleet count
  • Fleet consists of a majority of school buses. Vans are acceptable, but should not make up the majority of the fleet
  • No heavily-urban districts served (cities over 100,000 in population)
  • Consists of very limited non-school transportation. Operations including limousines, taxis, motor coach charters, medical and para-transits should be incidental to the transport of school students
  • Limited number of drivers over the age of 65 and under 23

K-12 Public School Systems and Community/Junior College Institutions
Coverage available countrywide, except: AK, DE, HI, IL, KY, MS, NY, TX and WV
Limited coverage is available in: AR, FL, IA, KS, LA, MO, NE, NC, OK and PA
Casualty only: FL, KS and OK

Private and Select Religious Schools (without dormitories)
Coverage available countrywide, except: AK, HI, KY and OK

Charter Schools (without dormitories)
Coverage available countrywide, except: AK, HI, IA, KS, KY, MT, ND, NE, OK, SD, VA, VT and WV

Independent School Bus Contractors
Countrywide, except: AK, HI, KS and OK

APPETITE GUIDE

MUNICIPALITIES & WATER

  • We encourage submissions for water and wastewater entities, given that:

    • The entity treats, stores or distributes water,
    • The entity treats wastewater, or
    • Water-related operations are generally the primary operation of the entity.
Cities, towns, villages and other political subdivisions below the county level with populations below 75,000 are welcome.
  • Some miscellaneous public entities of various compositions and purposes are also eligible.

Water and Wastewater Entities
Coverage Available: Countrywide, except: AK and HI

Municipalities and Miscellaneous Public Entities
Countrywide, except: AK, AL, HI, KY, LA and WV Casualty only: FL, KS, OK and TX

Appetite Guide for Municipalities & Water Entities
 

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