Bruce, as every pilot knows you can have your bus, plane or cars in a corporation or an LLC, and unless you have an unrelated driver behind the wheel or yoke, not only will the bus owner (the LLC) be named in the lawsuit, so will the driver personally.

And even if you are so concerned about liability to hire a professional driver, you may still get named because your personal responsibility was you hired the incompetent driver that was involved in the accident.

The only solution is a mega-buck umbrella policy.