1. direct physical damage to a bus like fire Risk Financing (transfer of risk) Commercial property insurance policy. Place extinguishers in each bus.
2. collision Loss-prevention Take a safe-driving course
3. Suits for injuries to a children in an accident Loss reduction (loss-control) Defensive driving course
4. pour health of the driver Loss prevention Annual physical exam
5. fraud
6. robberies
7. bodily injury or property damage to others Loss-reduction (loss-control) Avoiding hiring drivers with poor driving records
8. driver may be injured in an accident Loss reduction (loss control) Workers compensation insurance