THE driver of a large passenger bus has died after the vehicle ploughed into an apartment at Empire Bay, south of Gosford, on Tuesday afternoon.
A man who was inside the unit block sustained serious head injuries and was flown to hospital in a critical condition, police said.
A woman, also inside the unit, was treated for minor injuries.
Another 11 people on board the bus sustained minor injuries including cuts and abrasions, police said.
Emergency services were called to Greenfield Road about 4.15pm after the bus crashed into the duplex.
The intersection of Greenfield and Rickard Road remains closed while police and officers attached to the crash investigation unit examine the scene.
Motorists are being advised to avoid the area, consider alternate routes and expect traffic delays.
Investigations into the circumstances surrounding the crash are continuing.