TRB’s National Cooperative Highway Research Program (NCHRP) Research Results Digest 295: Availability and Accessibility of Liability and Excess Insurance for Public Transit and Private Coach Operators examines alternatives to conventional liability insurance coverage for public transit agencies and private motorcoach (coach) operators in response to the insurance crisis of the early 2000s, which has had, and continues to have, a significant impact on the cost and availability of liability insurance coverage.