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3 types of capacity planning strategies (with examples)

3 types of capacity planning strategies (with examples)

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Tour operator insurance: 5 considerations to protect your business

Carla Vianna

When starting a new tour business, one of the most vital steps is protecting your assets. To do so, you will need liability insurance.

While liability insurance is essential, as a new tour operator you may be wondering what you need coverage for and how much it will cost.

In this post, we’ll dive into the ins and outs of liability insurance as well as what you should consider.

Disclaimer – Before we dive in, this post is designed to be a general primer into liability insurance for tour operators. For specific details and questions about different policies, we recommend reaching out to your insurance agent or lawyer.

  • What is tour operator insurance?

What types of insurance do I need for my tour business?

How much does liability insurance cost, the 6 most popular types of liability insurance, how to vet tour operator insurance providers, additional best practices for protecting your business, what is tour operator insurance .

Tour operator insurance is a specialized type of insurance designed to protect tour operators as well as travel agents that organize and sell travel packages. It typically covers risks associated with travel planning and execution, such as trip cancellations, delays, supplier failures, and liability issues. This insurance is important because it protects tour operators from significant financial losses and legal liabilities that can arise from unforeseen events or accidents during the tours they organize, ensuring business continuity and customer trust.

If you are thinking about starting or have recently launched a tour business, you may be wondering what to insure and if have enough insurance to cover all of your assets. Let’s get the nitty gritty insurance details out of the way so can focus on the joy of sharing an adventure you love with your guests.

Every business has a unique set of liabilities, so deciding which liability insurance you need comes down to asking yourself this:

What could possibly go wrong and how can I mitigate damage?

While brainstorming “worst-case scenarios” isn’t fun, isn’t it better to have a plan in place if something does go awry?

Here are some examples of potential questions to think through:

  • Who will replace the kayak that fell off your rig while transporting the fleet?
  • Who covers the emergency medical costs if a customer breaks his leg on your zipline tour and later files a lawsuit to recoup the money he is out from medical bills?
  • What happens if one of your tour guides gets COVID-19 after being exposed on a tour?

Deciding what type of coverage you require when you first launch your business will allow you to focus more time on providing a great guest experience.

Keep in mind that most policies are for an entire year, even if your business is seasonal. This is a benefit since your equipment will be covered in the event of loss or damage during the off-season.

In addition, your state may have specific insurance required for your type of tour. For example, Washington state requires workers’ compensation through the Department of Labor and Industries. Additionally, they require minimum coverage for business vehicles of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $10,000 property damage liability per accident.

The importance of carrying adequate liability insurance

Between 2007-2013, the canoeing industry suffered more fatalities than kayaking, rafting, and paddleboarding combined. Canoeing may seem like a safe enough activity, but this statistic proves that accidents do happen — and why emergency medical coverage is essential.

While a fatality is definitely the worst-case scenario, even a minor customer injury could lead to a personal injury settlement that is not only costly but time-consuming . One case could take years to settle.

Starting and maintaining a business is expensive enough. If you have a fleet of 20 canoes and they are stolen or catch fire, you are looking at a minimum of $5,000 to replace them. Liability insurance helps you eliminate that financial risk.

Your local insurance agency might be able to provide a basic policy that covers all your needs through one plan or with add-on riders. Still, tour businesses might need to have an additional policy through an agency that specializes in tour operations such as Excursion Insurance , CNA International , or XInsurance .

In addition, you should consider how much your assets (equipment and/or property) are worth. It is often better to consider a higher coverage amount that your business can grow into over being underinsured and potentially on the hook in the event something goes wrong.

The level of danger inherent in your business is also a factor. Adventurous activities will require comprehensive policies that cover emergency care and so on. For example, a kayak rental business or walking tour will have lower premiums than a scuba diving business or an axe-throwing venue.

Pro Tip: The average annual plan cost for $1 million in coverage for a tour operator is $350-$700.

There’s a wide variety of liability insurance types offering different levels of coverage depending on the businesses they protect.

Ask your insurance agent to customize your insurance policy or policy package to your specific needs.

1. General/business liability insurance

General/business liability is imperative.

This covers legal fees for customer injury and property loss.

The kayak that fell off your rig? This covers the replacement cost.

This insurance will also cover legal fees to sue for less likely events such as copyright infringement or slander from a competitor.

Perhaps most interesting right now, as many small businesses navigate uncertain times due to the pandemic, is that general/business liability insurance includes legal and relocation fees if your business is wrongfully evicted from a rented building or property.

Here are a few things to consider when looking for the best liability insurance provider:

  • Adequate coverage: Ensure that the insurance policy provides sufficient coverage for the risks and liabilities specific to your tour or attraction operations. Assess the nature of your business activities, the number of participants, and the associated risks to determine the appropriate coverage limits.
  • Comprehensive policy: Look for a comprehensive insurance policy that covers a wide range of risks, including bodily injury, property damage, personal injury, and advertising injury.
  • Certificate of insurance: Request and keep updated certificates of insurance from any subcontractors or vendors you work with. This verifies that they have adequate liability coverage, protecting both parties in case of any incidents or accidents.

2. Auto liability insurance

If you provide transportation for your customers, auto liability will cover both owned and rented vehicles beyond the scope of personal auto policies.

Whether you are transporting paddleboarders to your favorite cove at sunrise in Florida or sunset in California, auto liability covers what you are accustomed to with your personal auto policy, only with higher weight restrictions and limits of liability.

When your business vehicles are insured, any employee may drive. This will allow you to take multiple vehicles (i.e. more customers) on each excursion or have one employee shuttle customers while the other remains on location.

Consider the following before choosing an auto liability insurance policy:

  • Commercial auto policy: Look for a commercial auto insurance policy specifically designed for business vehicles. This type of policy provides coverage for accidents, injuries, property damage, and other liabilities that may arise from the use of vehicles in your tour and attraction operations.
  • Hired and non-owned auto Coverage: If your business involves renting or using vehicles that you do not own, consider adding hired and non-owned auto coverage to your policy. This coverage extends liability protection to vehicles you rent or borrow for business purposes.
  • Driver qualifications: Establish clear driver qualification standards. Ensure that your drivers meet the requirements for your auto liability insurance. This may include age restrictions, valid driver’s licenses, clean driving records, and any specific training or certification requirements.

3. Watercraft liability insurance

Whether the watercraft has a motor or not, this insurance is mandatory in most states for watercraft operators, so ensure it is covered in your general/business liability policy or an add-on rider.

This will cover emergency medical costs for customer injury specific to the watercraft as well as the loss of or damage to personal belongings.

Here are a few considerations to keep in mind as you research watercraft liability insurance:

  • Vessel types: First, you’ll need to determine the types of vessels your company will use. Then, verify that your insurance policy covers that specific type of vessel, which can range from motorized boats, sailboats, personal watercraft, or paddle craft.
  • Passenger capacity: Assess the passenger capacity of each boat and confirm that the insurance covers the maximum number of passengers allowed on board. Compliance with safety regulations regarding passenger limits is crucial to mitigate risks and ensure proper coverage.
  • Waterway restrictions: Understand any restrictions imposed by the insurance provider regarding the waterways in which you can operate. Some policies may have navigational limits or exclusions for certain high-risk areas.

4. Professional liability insurance

Here is another one that you’ll want to add if it is not included in your general/business liability policy.

This is for the mistakes you didn’t mean to make or changes you couldn’t help but make.

Nicknamed the “errors and omissions policy,” professional liability covers the accidents made through typos or data left out of a tour description. It covers legal fees for cases of misrepresentation (the artisan lunch promised is fried Spam sandwiches) or violation of good faith (a loyalty program was shut down or not allowed to be used as promised).

Keep this in mind as you’re choosing your professional liability insurance:

  • Retroactive date: Pay attention to the retroactive date mentioned in the policy. This is the date from which the policy coverage starts and typically excludes claims arising from incidents that occurred before that date. Ensure that the retroactive date aligns with your business’s start date or the date you first purchased the insurance.
  • Claims-made policy: Professional liability insurance is typically written on a claims-made basis. This means that coverage is triggered by claims made and reported during the policy period. Understand the reporting requirements and ensure that you report any potential claims or incidents to your insurance provider in a timely manner.
  • Professional associations: Consider joining professional associations relevant to the travel and tourism industry. Some associations offer access to group insurance plans or negotiated rates for professional liability coverage.

5. Employer liability insurance

Many states require businesses to apply for workers’ compensation through the Department of Labor . If your state does not provide this service at the government level, adding employer liability will protect your business during lawsuits launched by employees as well as pay for employee medical care, disability, and even funeral in the case of a death on the job.

Here’s what to consider when researching employer liability insurance:

  • Workers’ compensation laws: Each jurisdiction may have specific rules regarding workers’ compensation coverage limits, eligibility criteria, claim filing procedures, and benefit entitlements. Complying with these laws is crucial to protect both your employees and your business.
  • Employee classification: Properly classify your employees based on their job roles and associated risks. Different job categories may have different insurance requirements and premium rates.
  • Return-to-work programs: Establish return-to-work programs that facilitate the smooth transition of injured employees back to work after recovering from a workplace injury or illness.

6. Business interruption liability

Seattle, Houston, and Austin shut down due to snow for a week? Impossible.

But then, in February 2021, it happened and interrupted thousands of travel plans.

For tour operators with business interruption insurance, customer refunds due to business closures and trip cancellations were taken care of by their insurance companies.

A natural disaster is an extreme example, but unforeseen events happen all the time.

A rained-out performance or a lightning storm forecast during a water event is more common. While bad weather won’t cause weeks of cancellations, it is money lost.

Here are some practical tips and considerations to keep in mind when it comes to business interruption liability insurance:

  • Assessing risks and vulnerabilities: Take the time to assess the potential risks and vulnerabilities that could interrupt your business operations. Consider factors such as natural disasters, fires, power outages, supply chain disruptions, or unforeseen circumstances that could affect your ability to serve customers.
  • Waiting period: Keep in mind that most policies have a waiting period before coverage kicks in, so plan accordingly to manage your finances during that time.
  • Business continuity planning: Develop a comprehensive business continuity plan that outlines steps to be taken during and after a disruption. Having a well-thought-out plan in place can expedite the recovery process and potentially reduce the duration of business interruption.

Use the following tips to ensure you’re partnering with the right insurance providers:

  • Reputation matters: Do your homework and dig into the reputation of potential insurance providers. Look for reviews, testimonials, and feedback from other tour and attraction operators. Don’t settle for a company that leaves a trail of disappointed customers in its wake. You deserve an insurance provider that’s got your back.
  • Tailored to your industry: Seek providers that specialize in serving the unique needs of tour and attraction operators. They understand the ins and outs of your industry, the risks you face, and the coverage you require.
  • Transparency is key: Nobody likes being kept in the dark, especially when it comes to insurance. Look for providers that are transparent and clear in their communication. You want an insurance partner who explains the terms, conditions, and coverage in a way that makes sense to you. No jargon, no confusion — just straightforward and honest communication.
  • Customizable coverage: Your business is unique, so your insurance coverage should be too. Avoid providers that offer rigid, off-the-shelf policies. Instead, opt for those that offer customizable coverage to meet your specific needs. Whether it’s liability, property, or equipment coverage, you should have the freedom to tailor your policy to fit your business like a glove.
  • Responsive customer service: In times of crisis, you need a responsive insurance provider who doesn’t leave you hanging. Look for companies that prioritize customer service and have a reputation for being there when you need them the most.
  • Easy claims process: The last thing you need when filing a claim is a complicated and frustrating process. Look for insurance providers that have a streamlined and efficient claims process. You deserve an easy-to-navigate system that minimizes paperwork, reduces headaches, and gets you back on your feet as quickly as possible.
  • Competitive pricing: We can’t forget about the bottom line. While pricing shouldn’t be the sole deciding factor, it does play a role. Seek out insurance providers that offer competitive pricing without compromising on coverage and service.
  • Recommendations and referrals: Don’t be afraid to tap into your network and ask for recommendations. Reach out to fellow tour and attraction operators, industry associations, or trusted colleagues for their input. Personal referrals can provide valuable insights and help you find hidden gems in the insurance provider landscape.

Liability waivers are a simple way to further protect your business. Our post on Liability Waiver Best Practices gives a clear path to how you can use digital waivers to simultaneously protect your business as well as ways you can use this information in your marketing.

In addition, you should also have a cancellation policy, which should be available on your website and in your digital waiver. You should clearly state your terms for how and when guests can cancel a booking as well as your refund policy.

Finally, what emergency medical plans do you have in place? While keeping your first aid kits stocked is probably first on your list, other items to keep near – such as emergency blankets, survival tents, etc. – will depend on your type of tour and customer demographic. For example, if your business is based in Florida, you might want to have an evacuation plan in place for how to board up and secure your venue in case you have to evacuate due to a hurricane.

In sum, taking everything into account, liability insurance is as important of an investment as your equipment. Shopping around for an insurance company that is the perfect fit for your business is as important as shopping around for a vehicle and kayaks.

Writer Carla Vianna

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5 types of tour guide insurance all tour operator businesses need

5 tour operator insurance

By Rezdy — 10 Nov 2018

costs   legal   operations   tour operator

5 types of tour operator insurance and what to consider

Updated November 2021 – As a tour operator, you will be dealing with risks on a daily basis. On top of the typical risks that businesses face, you also face additional risks unique to the tour industry. Protecting your business with specific tour operator insurance will ensure you cover all your bases.

For example, what happens if you have to cancel your tours due to weather or insufficient numbers? or when a customer gets hurt while participating in your tour? These situations may vary in their rarity but the financial damages from these risks are always significant. Luckily, there are many types of insurance plans available to protect tour operators against risks.

With Bob’s Hypothetical Kayaking Tours as an example, we will cover the 5 most important insurance plans your tour needs.

1. Asset & revenue insurance

While the specifics will vary depending on the nature of your tour or activity, you’ll need to consider all areas. This refers to things like:

  • Breakdown and damage of business assets (for example fires , burglary, general property, equipment breakdown). All Australian businesses have to ensure company vehicles for third-party injury liability. Your equipment and property investments are at great risk if you don’t insure them. TIP: Make sure to check your own federal or state laws to see what is legally required!
  • Business interruption (any interruption to the business which stops the business from making money). This includes interruption through a key person’s illness or bad weather.

If Bob’s Kayaking office was to catch fire and nearly everything was destroyed, Bob would lose money on bookings that would have to be canceled, rent that still needed to be paid, wages that are still payable to his staff, and all of the other regular expenses. A claim on asset & revenue insurance will pay for the expenses of the business while they are unable to operate due to an insurable loss.

2. Public liability insurance

Let’s say Bob can’t catch a break and one of his tour participants loses their phone, laptop, jewelry, and glasses while having the time of their life on his exhilarating kayaking experiences. Public liability insurance will free Bob from any responsibility of paying back the stolen/lost items. Tip: Learn how to write a liability release form here!

While public liability insurance is a very costly form of tour operator insurance (the standard cover is $10M), most agents will refuse to resell your tour unless your tour has one. Remember that if you work with a third-party contractor, you need to make sure that they have public liability insurance in place as well.

3. Workers compensation insurance

tour operator insurance tips

Bob can’t manage his kayak operation all by himself! He needs accountants to manage his numbers, tour leaders to run the tours, and maintenance staff to take care of the kayaks. Many tours, such as Bob’s, involve a lot of physical activity on a daily basis. Even employees who work in Bob’s Kayaking office can trip on a cord and hurt themselves.

By having workers compensation insurance in place, you’re protecting your business against costly compensation claims as a result of a workplace accident or illness. Workers compensation has to be taken out for all employees of a Pty Ltd company, including company directors and business owners.

However, business owners aren’t covered by workers compensation if they are a sole trader or a partnership. In this case, you can opt for income protection in the case of accidents and illnesses so you don’t lose revenue while you recover.

4. Commercial Crime Insurance 

As much as Bob values all his staff and employees, sometimes there’s going to be a bad egg. This may be shocking, but theft and misdeed by employees are actually more common than you may think it is. A report published by Embroker states that a shocking 75% of employees admit to stealing at least once from their employers. It is for this reason that Bob should have commercial crime insurance in place as one of his tour operator insurances .

In the event of theft or misdeeds actioned by one of Bob’s staff, commercial crime insurance will cover any losses. This can include missing assets or money misspent on non-work-related purchases

5. Errors and Omissions Insurance

Running a kayak business is very demanding and Bob deals with a variety of customers every day. Making mistakes is inevitable, however, certain hiccups can result in severe damages and ruin Bob’s business reputation. Not only that, but the time spent on recovering and fixing a mistake is time-consuming. 

Errors & Omission Insurance (EOI) will protect Bob’s business from claims that may arise due to mistakes or failure to meet certain criteria of a signed contract. With an E&O Insurance in place, Bob will be covered for any financial losses from the result of errors and omissions. E&O Insurance also covers Bob from any settlement or additional costs related to the mistakes that may arise.

In most cases, EOI is often one of the required forms of business insurance many organizations will need to have in place. This tour operator insurance cost is highly recommended to protect your tour operator business from inevitable human errors.

Where to look for Tourism Insurance

With the 5 types of tour operator insurance covered above, it’s important to do your research prior to signing up with an insurance company. Without the right level of cover, you may be out of pocket after a claim. So it’s critical that you choose the correct tour operator insurance plan and an insurance company that fits well with your tour operator business. 

You can begin your search by:

  • Getting quotes from those specializing in tourism insurance
  • Asking others in the industry for recommendations
  • Contacting your local tourism organization and ask them for recommendations

Once you’ve gathered this information, pick your top three companies from the list and compare their offerings. It’s important to find a policy that’s right for your business, so make sure to do proper research and shop around instead of jumping signing up with the first tour operator insurance company you see.

If you enjoyed this article – 3 types of insurance all tour operators need – then follow the Rezdy blog . There are a lot of marketing tools and resources designed with businesses like yours in mind.

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Tour Guide Insurance

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Why do I need Tour Guide Insurance?

As a professional tour operator, you’re tasked with knowing the ins and outs of your blank. We say “blank,” because you could be a tour company guiding people through a city’s downtown, elating taste buds on a wine tour, or growling and roaring with lions on a children’s jungle safari tour at a zoo. Knowing everything about your blank means being able to wax poetic about all the best facets of your blank. But it also means knowing all the worst parts about it too.

“Insurance” is our blank. We know the ins and outs of this industry and why tour guides absolutely need to protect themselves with general liability insurance and professional liability insurance .

Imagine, poor weather in the forecast threatens to cancel the tour. Without a cloud in the sky, and knowing how excited guests are for your tour, you decide to ignore the warning and continue without canceling. Near the end of the tour, a flash of rain douses the entire group. In an attempt to get to cover, two of your tour members collide and an ambulance needs to be called. Both parties conspire to hold you responsible for the medical bills and for negligence on continuing the tour despite the forecast.

It’s the simple factors, often outside of your control and done with the very best of intentions that can escalate to needing insurance. Our Tour Guide General Liability and Professional Liability Insurance was made with the worst-case scenario in mind.

Ensure you have Thimble’s Tour Guide Insurance and keep your business on the route to success.

Quick thinking insurance for small businesses.

What does Tour Guide Insurance cover?

Unforeseen circumstances or an accident shouldn’t spell the end of your business. Thimble’s Tour Guide Insurance is designed to protect tour guides from situations like the below:


Third-party, non-employee bodily injury

At the final stop on the wine tour, a particularly lively guest leans too far back in their chair. Unable to catch themself, they fall backward and catch the corner of the table directly behind them. The paramedic in the ambulance suspects it might be more than a concussion. The guest then expects you to cover any costs that arise from this.

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Third-party property damage

Part of your city tour involves renting electric scooters. Though you’re an expert on two wheels, you’ve never dealt with a bee flying into your eye. Losing control, you steer right into a car, leaving a sizable dent. Unfortunately, this wasn’t “just a car;” it was a brand new Rolls Royce. The owner expects to be paid in full.


Defense costs

A family has booked your tour months in advance. They’re flying across the coast for a vacation and this tour has been the only thing their son has talked about. When an unexpected thunderstorm rolls through your city, you’re forced to cancel. The son is devastated, and the parents are especially litigious. Despite having no control of the weather, you need a lawyer, because they’re suing you for a breach of contract.


Errors & omissions

You’ve advertised a new tour for a while, with multiple tour guests waiting patiently for the expedition. Once you set out with your group, one of your clients decides that the excursion doesn’t live up to expectations. They then sue you for false advertising.

How much does Tour Guide Insurance cost?

Our Tour Guide Insurance policy rate reflects the risk factors that are related to your niche. Wine tour guides and museum tour guides, for example, need personalized coverages, and neither party wants to pay for anything they don’t need. That’s why we customize your policy rate to the location you work in, the size of your crew (if you have one), and the coverage limit required.

Thimble’s Tour Guide Insurance is on when you’re working and off when you’re not. Plus, you can add as many Additional Insureds as you’d like for free. That’s game-changing flexibility. That’s insurance done right. Get your free Tour Guide Insurance quote now.

Tour Guide Insurance FAQs

How quickly can I get a Certificate of Insurance?

Quicker than you can say “And if you’ll look to your left.” When you need Tour Guide Insurance, you can get a free insurance quote, and then purchase that policy all within 60 seconds. The COI (Certificate of Insurance) will be sent to your inbox immediately.

Did your friend ask you to cover for them while they’re on vacation? While you’ve never worked for their company before, you decide to accept the job. The manager in charge asks for your Certificate of Insurance. Thanks to Thimble, you can hop on the app and show them your COI within seconds.

With Thimble, you can schedule your coverage up to six months in advance, and if your friend’s plans end up changing, you can cancel your policy penalty-free up to an hour before the coverage was expected to begin. That’s fast and flexible insurance.

If any changes need to be made, consider them done. Add and modify your Additional Insureds at a moment’s notice, right through the Thimble app.

What are the Tour Guide Insurance policy limits?

There are two Tour Guide Insurance policy limits offered by Thimble: $1 million and $2 million. You can choose the one that protects your tour guide business best, depending on the risk factors you’re facing.

Are workplace injuries of my staff covered?

No. General Liability Insurance for tour guides only provides coverage when the injury happens to a third party. If you want to have three extra tour guides working for you, you may want to consider workers’ compensation coverage . In many states, you can only operate legally with workers’ comp in place.

Does Thimble’s Tour Guide Insurance cover damage to my equipment?

Also no. Thimble’s Tour Guide Insurance only provides this protection for third party damage. If you’ve purchased your own Segway to help maximize your efficiency, you may want to consider a commercial property policy to insure your gear.

How do I get Tour Guide Insurance with Thimble?

Getting Tour Guide Insurance has never been easier, thanks to Thimble. All you need is one minute and the Thimble app. Offer some details about your tour guide business, your ZIP code, and the length of your desired coverage (hourly, daily, or monthly), and we’ll send you a quote instantly. From there, click to purchase and you’ll receive your Certificate of Insurance instantly.

Quick-thinking insurance for fast-moving businesses.

Fewer questions. More options. Buy a policy online, in the app, or over the phone in minutes. Get to work before the other guys even call you back.

Any size. Every stage. Get coverage by the job, month, or year. Choose how you pay, then upgrade when business really takes off.

Total Control. Seamless edits. Modify, pause, or cancel instantly, whether work slows down or hiring picks up.

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Get covered in minutes. (Then get to work!)


For more information or to get a quote contact us today


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Liability Insurance for Guided Tour Companies

Liability Insurance for Guided Tour Companies

Protecting guided tour companies on land, sea or air.

New York City has always been a center of attraction — last year was no exception. In 2017, the City welcomed a record 62.8 million visitors in 2017, an increase of 2.3 million tourists over 2016. Of those, 49.7 million were domestic and 13.1 million were international visitors . That’s great news for the Big Apple, and equally good news for guided tour companies that show these visitors a good time. Take the famous Circle Line Sightseeing Cruise around Manhattan Island, or the hop-on, hop-off, open-air bus tours, or walking tours — not to mention the new guided bike and Segway tours. 

Of course, Washington, DC, Chicago, Las Vegas, and other major cities have their fair share of guided tours — whether by land, water or helicopter. After all, there’s a lot to see in this great country of ours. What do these guided tours have in common? The potential for great profits — and risk. 

Guided Tour Risks

What are some of the most common risks associated with guided tours?

Baggage loss can be an inconvenience at best and dangerous at worst if your clients are carrying important information or medication in their luggage. Transportation malfunctions are also a risk to consider.

Consider the helicopter crash that killed four people on a Grand Canyon helicopter tour. In one case in 2018, five British tourists died during a helicopter tour after the pilot lost control of the aircraft thanks to a violent gust of wind. Or the city sightseeing, the open-air tour bus that careened out of control in San Francisco a few years ago and injured four. 

You may also run into unexpected health issues or — depending on your location and the destination of your tour — a lack of proper accommodation, leaving you out in the cold. Finally, there is always the risk of stolen personal items. While no one will care about a t-shirt or a pair of shoes, if their money or passport goes missing, it can be a massive problem. 

How to Decrease Guided Tour Risks

What can you do to decrease these risks on your guided tours?

Make sure you provide information about the area you’re traveling to in advance. We all love the idea of booking a trip or a tour on a whim, but it is essential that your clients know what they’re getting into before they pay for their tour. On your end, you also need to understand your travelers’ specific needs before they join the tour. You don’t need to be invasive with your questions but you do need to know anything that could potentially put them at risk during the tour. 

Encourage your travelers to take health measures before they arrive. This could be as simple as taking Dramamine if they’re prone to motion sickness or as complex as necessary vaccinations before they arrive if they’re traveling from a different country.

Finally, you’ll need to obtain guided tour insurance to protect both you and your clients in the event of an incident.

If you’re offering guided tours, you should always be prepared for the unexpected. One of the best ways to do that is to obtain guided tour insurance. Danger is inherent in every tour, but it doesn’t have to put a damper on your business. Learn more about guided tour insurance options from XINSURANCE for your business and what insurance tour operators need. 

XINSURANCE is powered by Evolution Insurance Brokers , an insurance brokerage. XINSURANCE provides customized specialty insurance solutions for ever-changing risks and liability issues, including property and casualty insurance — and Tour Operator Liability Insurance for Guided Tour Companies. We’ll even defend you in the event you are named in an incident, claim or lawsuit.

XINSURANCE provides an all-in-one approach that allows business owners to have broader coverage, up to $20 million limits with higher limits available through reinsurance partners, flexible underwriting, risk management expertise, extraordinary claims results, and a partnership approach.

With XINSURANCE, guided tour companies can rest assured they’ll be around to welcome millions of more visitors to their great city. Contact XINSURANCE today to see how we can help you protect your business as well as your clients moving forward.

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Last updated on March 10, 2021.

Rick Lindsey

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.

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Travel Liability Insurance and Risk Management for Travel Agencies and Tour Operators

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Adventure Travel Liability Insurance Questions and Answers

Tourism Tim Warren Lives Adventure…

Are you are a tour operator, travel agent, hotelier, resort, lodge and have questions on travel liability insurance and risk management, especially in adventure travel, you need to listen to this important episode of Travel Business Success Podcast.

Click on player bar below to listen or download the MP3 audio for free.

Tourism Tim Warren interviews Rick McKinley with Alameda Associates who specializes helping travel providers and vendors get liability insurance and has lots of experience in the adventure travel and active sports.

Also read below for updated 2016 travel liability insurance coverage specifically for tour operators and travel agents, including adventure travel tour operators, lodges, etc.

Top travel liability insurance and hospitality risk management topics include:, 1 ) where can i find liability insurance for my travel agency \ tour operations, 2) what’s does it cover •    levels of coverage: •    cost, 3) what are the basics you need for travel liability insurance.

•    General liability insurance •    Non owned and hired auto -important •    Physical and sexual abuse •    Worldwide coverage •    Bodily injury •    Errors and omissions ( $ back from client) •    Volunteer workers comp •    Accidental death and dismemberment


  • CNA international
  • Travel Safe Insurance
  • Lexington – AIrisk.com


•    Definitions in policy •    Endorsements


7) what can i do proactively to reduce my chances of having a travel liability insurance claim.

Have in contracts:

  • Hold harmless/ disclaimer statements
  • Limit liability
  • Medical release form for treatment
  • Vendors insurance – naming suppliers as additional insured
  • Vendor selection process
  • Hold activity provider harmless – indemnity provision


  • Risk management policies, procedures and STAFF TRAINING

  Rick McKinley Contact:

Voice: (510) 522-2090 email: [email protected] www.alamedaassociatesins.com

Adventure Tour Operator & Travel Agent Insurance Program from Zurich Insurance Co.

Types of Risks

Adventure Tour Operators; Travel Agencies; Tour Operators;  Student Tour Operators; Independent Contractors (Travel Agents); Corporate Meeting Planners, Destination Management Companies

Appetite:  All sizes of risks; travel and tour arrangements can be worldwide no territory restrictions;

Ineligible risks:  Outfitters & Guides; Spring Break Student Tour Operators; Party or Wedding Planners

Geography:  Nationwide

Adventure Travel Liability Insurance Coverage Highlights

Coverage offered:

  • General Liability
  • Professional Liability (Including Bodily Injury, Property Damage, and E&O coverage)

Coverage limits:  Up to $5,000,000/$5,000,000 for qualifying companies

Admitted or non-admitted paper:  Admitted in all 50 states, except non-admitted for NY Tour Operators, and Student & Adventure Tour Operators

Additional Travel Liability Insurance Program Highlights

  • Program Administrator has more than 30 years experience in this industry
  • Worldwide territory
  • Occurrence form
  • In-house underwriting and claims handling

Click Here for More Information on Zurich Insurance Company for Liability Insurance for Adventure Tour Operators and Travel Agents

Click triangle below to listen to travel business success podcast on travel liability insurance, what are your top travel liability insurance and risk management questions please post them below and we will provide you guidance to help your travel business succeed., comments (16).

I work with a tour operations company. We have an upcoming tour for a high school choir group. For the school district, the tour falls under the category of a “field trip” and consequently they now require us to have a commercial liability insurance policy for $2Million and to be have the district’s name added as an insured. They also want us to be responsible for any medical expenses incurred as a result of injury to its employees, volunteers and/or representatives. We do not currently have any business insurance. It is my thinking that this type of commercial liability policy that is being requested does not apply to our industry. I am aware of general liability policies and errors and omissions. Is there any policy for our business that would better meet the requirements of the school district?

I am English, my wife is Indonesian. We are setting up a Tour Operator business in Indonesia.It will be licenced in Indonesia. We need Liability Insurance. We have Drafted Proposed Terms & Conditions which we can send you. Can you advise if you would cover us? Many thanks.

Like to help Tim, but I do not provide any sort of insurance for travel companies.

When you are ready to create awareness for your tour operation website, drive traffic and convert them into sales, then our articles, course and tele-seminars will help you succeed

This was a great podcast. It helped me sort out a lot of my questions — thanks!

I would like to check your services for my 2 web site: 1. http://www.itsvietnam.com as a B2B web 2. http://www.itsvietnam.com.vn as a B2C web Thanks a lot

Thanks Thuy Tran for your interest in improving both your Vietnamese travel websites.

I can help then you increase inquiries and sales. Not only on your websites, but on your trade show stand marketing too.

Both websites need help to improve the “credibility” / sales aspect and the search engine ranking info to improve traffic.

You need to start with by creating a “travel website that Sells”. Neither of the websites communicate your years of experience quickly or clearly. Neither of your websites quickly show guest or travel social media endorsements or reviews Your B2C site lacks critical Meta Data you must have to get ranking in the search engines. There is many more quick and easy improvements that will increase results fast…

I can provide consulting on how to improve both sites results and coach you in the implementation of the improvements. And the work we do on your websites, you can use on your trade show ( and all your) marketing too.

Both will radically improve your inquiries, sales while LOWERING your marketing costs.

And my services will cost you less then exhibiting at WTM and yield a higher return on investment. Please email me direct @ [email protected] to set discuss your needs and my services.

To your success, Tourism Tim Warren

Hey Rick !!

I loved your Talk show about the Travel agents Liability. I am a Travel agent in Ladakh, India. We are specialized in Adventure and culture tours in the Himalayas . I am planning to have it registered here in the United states (Outbound). I would like some additional information from you. I have been a Adventure tour guide in the Himalayas for almost 12 years and never had a single disaster or unsatisfied client. What i am concerned about, is the US laws that are a little more complicated. Most agents in India do not provide any Liabilities. We advice clients to have travel insurance for themselves. When its a hardcore adventure activities like an expedition, We make sure they are covered by their insurance and on the other hand make then sign a waiver about the risks involved and that they are aware there are no liabilities towards the company. However, that never seemed the right solution to me because we don’t want the Travelers to feel like ” we like saving our own a**) we do need to have them in the comfort zone and trust the Agent. Despite this I still feel there are many reasons they can still sue us for. I would like to is there a way we can insure each tour and are there any agents who cover our liabilities this way. I personally feel this might be more economical over the annual fees we pay the insurance company. I also feel this will help protect smaller Travel agents whose turnover are small compared to the ones who makes Half a million and more.

I have the terms and condition detailed on the website you can check it out. For the time being my website is off the server because of a Domain transfer dispute. it will be up in another week hopefully. Please check http://www.amazinghimalayas.com I am keen to hear you talk on the above topic or have your personal opinion. Looking forward to hear from you

Thank you in Advance. Sonam Amazing Himalayas – Rewarding Adventures

Thanks Sonam for your accolades on my tour operator /travel agent liability insurance interview. It is important. But getting US liability insurance for a foreign operator is near impossible – especially in the high adventure tours you provide.

What I think is more important to book more adventure tours – besides being totally committed to safety as reflected in your good safety record – is to communicate your safety and experience throughout your adventure tour website.

Adventure travel shoppers want to know you are safety conscious and experienced. And they need to know this super fast on your tour website. Or they are gone. Usually forever…

Testimonials are great, but do not bury them at the bottom of the page. And since you have been in business for almost 12 years, you have had many 100’s if not 1000’s of happy clients haven’t you?

This needs to be reflected on every page of your tour website. I call this a “Defining / Credibility Statement. It communicates in about 3 seconds that you are professional, experienced and can be trusted. Learn more about this super important, proven tour sales strategy here .

Let me know your thoughts.

I love adventure travel. it is my heritage and how I got into helping tour operators like you grow your business.

To your awesome success, Tourism Tim

I use your videos, website and info when I teach a travel marketing class! Excellent stuff!

Question: what is the best type of insurance to cover a tour broker business? Someone who sells eco-heritage tours on a local basis working with independent guides who take folks on river paddling trips, historical walking tours, nature walks, etc. (no overnights) Guides must have their own insurance to cover themselves and their own property.


Thanks Cynthia for your kind words. So glad my travel marketing blog and videos is helpful to you and your class.

Where are you teaching travel marketing? What other topics would be helpful to you and your classes? Anything I can do to help, let me know.

I’ll do some more research, but Berkeley and http://www.stratumins.com/travelagentinsurance.htm both may have policies that work for you. Let me know what you find out. Looks like I need to update my interviews on this topic 🙂

what is a rough estimate for liability insurance for an adventure travel start up?

I am not an insurance agent so I don’t know current pricing or policies. But what I do know is that liability insurance for an adventure travel business can be hard and expensive to get. Key elements the insurance companies look at to determine if they will issue a policy and cost are: your business location, size, activities, how long in business, price point, domestic or international travel, etc.

One of the top adventure travel tour operator and travel agent liability insurance providers is Zurich Insurance Company I am not sure their current offerings worldwide, but this is a good place to start.

What type of adventure travel business are you starting Jacob and where?

Please keep me posted on what you discover on your adventure travel business liability insurance research.

TO your success, Tourism Tim PPS Thanks for using the “Social sharing” buttons to share and “Like” my site. 🙂

Great info ! I came across this article as i am looking for info about insuring our tour company .

Just found the article and contributions on it so helpful .

Thank you for your helpful information on this site! I’m a small business Tour Operator (small groups) in the State of NY (US to Mexico). Who might be my best provider and what policies should I make sure to include? Thank you for your guidance! Dr. Pascoe.

Thanks S Pascoe for your accolades on my podcast and website, and your good question on tour operator business & liability insurance. Let do some vendor updates and get back to you with more details

But here’s some tour operator type of insurance to get:

1. Assets & revenue: Specifics will vary depending on the nature of your tour or activity, you need to take all areas into consideration. Breakdown and damage of business assets: (fires, burglary, general property, equipment breakdown, through a key person’s illness or bad weather.) Business interruption (any interruption to the business which stops the business from making money, while you still have bills to pay).

2. Liability: frees you from responsibility if someone gets hurt or their belongings are stolen while on your tour.

3. People: You are legally required to take out workers compensation insurance for your employees. Independent contractors are a different story.

What have you found so far? Any feedback or insights you can share helps us all.

Best, Tourism Tim

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Tour Operator Insurance

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Are you a tour operator? Then tour operator insurance is for you. Let ALIGNED’s team of insurance experts help you find a customized commercial insurance policy that meets your business’s unique needs.

Tour Operator Insurance

The benefits of tour operator insurance

Tour operators have much to gain from commercial insurance. While you aim to create a fun, memorable, exciting and informative experience for your customers, there are many things that can go wrong. Tour operator insurance can protect you from some of these possible outcomes. For example, the right tour operator insurance policy might safeguard your tour business against property damage, cyber liability claims, third party bodily injury claims, and much more. Without insurance, you would be left to pay for the cost of any damages and/or injuries out-of-pocket, which could lead to financial ruin. 

What insurance coverage do tour operators need?

The following coverage types might be important for tour operators: 

  • Product liability insurance: If your tour business sells products, such as souvenirs or food and beverages, then you should consider adding product liability insurance to your policy. Even if you don’t have a hand in manufacturing these items, you could still be held liable if a customer buys a product from you and it later results in bodily injury or property damage. 
  • Commercial property insurance : Commercial property insurance protects your tour business and any business-related contents from property damage due to an insured peril. You get to decide which perils to include in your policy, though some of the most common are water damage, fire, theft, windstorms, vandalism, etc.
  • Business interruption insurance : Business interruption insurance can protect your tour business from lost income if it is forced to close due to an insured peril. Again, insured perils covered by business interruption insurance vary but can include theft, fire, vandalism, windstorms, water damage, and more. 
  • Commercial auto insurance : Commercial auto insurance is important if your tour operating business uses vehicles for business purposes, such as to transport customers to and from certain locations and/or experiences. Auto insurance coverage may include third party liability coverage, comprehensive coverage, uninsured automobile coverage, accident benefits coverage, collision coverage, and more. 
  • Umbrella liability insurance : Umbrella liability insurance takes effect when regular liability limits are reached, meaning it can protect your tour business against unforeseen or catastrophic events.
  • Cyber liability insurance : Cyber liability insurance is crucial for any tour operator that stores sensitive customer information online (e.g. financial or personal information). This type of coverage can cover the costs associated with cyberattacks, hacks, or breaches, which could include credit monitoring, client notification, restoration fees, and more.
  • Liquor liability insurance : Liquor liability insurance is important for any tour businesses that host tours where alcohol is served to customers. This insurance type can help cover the cost of a claim brought against your business alleging third party bodily injury or property damage due to an intoxicated patron.

The cost of tour operator insurance explained

Insurance providers will consider a variety of factors when calculating insurance premiums for tour operating businesses. For this reason, insurance rates can vary significantly between tour operators. Owners of tour businesses might find it helpful to understand which details influence the cost of insurance, so the experts at ALIGNED have put together the following list.

  • The size and location of your tour operating business
  • Your tour operating business’s annual and projected gross revenue
  • Your insurance claims history
  • The tours offered by your tour operating business, and whether they involve alcohol
  • The number of employees at your tour operating business
  • The coverage, policy limits, and policy deductibles you choose

Make ALIGNED your go-to brokerage for tour operator insurance

Are you ready to purchase tour operator insurance for your tour business? Make ALIGNED your go-to source for tour operator insurance, and we promise you won’t regret it. ALIGNED brokers are experts at matching businesses with the right coverage. Simply get in touch, explain your insurance needs, and a friendly insurance broker will find a policy that suits your needs. For customized, flexible tour operator insurance, look no further than ALIGNED. Contact ALIGNED today to learn more or click here to get a free quote now . 

Related Posts

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  • Tourism Insurance Business

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Tour Operators Liability

Tour Operators Liability

Tour Operators Liability Insurance

Tour operator’s liability is designed to defend tour operators for liabilities arising out of their business operations.

The policy will indemnify against liability, including legal costs and expenses arising out of claims such as slips, falls, food poisoning and personal injuries while customers are in the care of suppliers, such as accommodation providers and/or transportation services.

The policy can be structured to include professional indemnity cover against wrong bookings, misinterpretation and incorrect information in brochures and advertising material.

Following are some of the extensions that can be added to the policy:

  • Personal accident cover
  • Non owned and hired auto liability

Explore More Liability Insurance Options

Hauliers Liability

Hauliers Liability

Covers the legal liabilities of hauliers towards cargo owners and third parties

Freight Forwarders Liability

Freight Forwarders Liability

Covers liabilities of freight forwarders and customs agents towards cargo owners and third parties

Ship Repairers Liability

Ship Repairers Liability

Covers ship repairers against any legal liabilties arising out of damage to any vessel or equipment under their care and custody

Public Liability

Public Liability

Covers legal liabilities to third parties arising out of the business operations

Comprehensive General Liability (CGL)

Comprehensive General Liability (CGL)

A wider form of legal liability coverage to include third party/product/pollution liability, etc.

Product Liability

Product Liability

Covers legal liability to third party caused by products sold or supplied by the insured

Workmen’s Compensation / Employer's Liability

Workmen’s Compensation / Employer's Liability

Insurance to compensate the insured employees in respect of any bodily injury, disease, illness or death suffered in the course of employment

Directors and Officers liability

Directors and Officers liability

Covers legal liability incurred by individual directors and officers resulting from their negligence while performing their duties of running the organisation

Professional indemnity

Professional indemnity

Covers the errors and omissions of professionals whilst performing their duties

Charterers Legal Liability

Charterers Legal Liability

Covers legal liabilities of the charterers of vessels towards vessel owners

Clinical Trial Liability

Clinical Trial Liability

Covers legal liability to participants arising out of a clinical trial and associated activities

Initial Public Offering - IPO Liability

Initial Public Offering - IPO Liability

Covers the insured against the legal liability arising out of an Initial Public Offer (IPO)

Environmental Liability

Environmental Liability

Covers the insured against any liabilities for polluting the environment, including clean-up cost

tour operators insurance policy


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Tour Operator Insurance: Cost & Quotes From $45/mo

The tour operators industry will be $10 billion in the US in 2023. This is a massive jump from when it fell to $4 billion 2020.

You need to be wary about potential liabilities that could cost your business financially. A travel agent might become confused about the features of the travel package and provide misleading information to the client. The tour guide business you’re working with might accuse you of failing to meet contract agreements. 

If you want to stand the best chance of protecting your business, you will want to get tour operators insurance. This is a policy made up of several different components that provide the liability protection necessary for you to be successful. Keep reading to find out what you need to know about tour operator insurance.

General Liability Insurance for Tour Operators

General liability insurance for tour operators is a policy that protects your business from liability claims from customers and the public. Typically these claims will be for personal injury and property damage from your business services. Examples of when to use this tour operators liability insurance include:

A customer trips while in your office

An employee accidentally breaks a customer's phone during normal business operations

What Are the Coverage Limits for General Liability Insurance?

General liability insurance has a typical coverage limit of $1 million per occurrence and $2 million in aggregate.

What Add-Ons Should I Take as a Tour Operator for General Liability Insurance?

Your insurance policy can be further customized through add-ons. Some common considerations include:

Hired and non-owned auto coverage– Adds financial protection for employee vehicles that are used for business purposes

Tools and equipment coverage– Protects the tools and equipment you use in your tour operator business, even used outside of your business premises, from damage and theft

Is General Liability Insurance Required by Law?

General liability insurance is not typically required by law for businesses. However, it is one of the most essential forms of coverage for your tour operating business since it protects you from customer and public liability, which are common causes of lawsuits.

Professional Liability Insurance for Tour Operators

Professional liability insurance is a common component of tour operator business insurance programs. It protects your company from any mistakes or negligence that you or your employees make in your business service. This insurance covers situations that include:

A tour guide you employed takes customers down the wrong path, causing them to miss a part of the tour they wanted to see

An accounting error causes you to receive a lawsuit from a business partner

What Are the Typical Professional Liability Coverage Limits?

The typical coverage limits of professional liability insurance will vary. Typically you see $1 million per occurrence and $1 million in aggregate for the coverage limits.

What Add-Ons Should I Get for Professional Liability for My Tour Operator Business?

Tour operators could benefit from an extended reporting period add-on to allow them more time to file a claim. Be sure to check the tour operators liability insurance policy wording closely so you know when you are protected from liability claims filed right at the moment or much later on. Another add-on for professional liability to consider is an additional insured add-on. This lets you add other parties to an already existing policy.

Public Liability Insurance for Tour Operators

Public liability insurance for tour operators is a form of insurance that is specialized to deal with claims from the general public interacting with your business. Some examples of times to use this policy include:

A tour group you arranged runs into pedestrians and causes injuries

A member of the general public walks into your tour operator's office and slips, hurting their back

What Are the Public Liability Coverage Limits?

You will find that a public liability coverage limit of $1 million per occurrence will suffice for a small tour operator business.

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Commercial Property Insurance for Tour Operators

Commercial property insurance is responsible for protecting your own commercial premises and the business property contained in it. This policy will protect against liabilities from physical events like fires and floods, as well as human-caused incidents like vandalism and theft. Below are a few situations where this policy can be applied.

A lightning strike takes out the power to your tour operator's office and causes damage to your electronics

A thief breaks into your tour office at night to steal your valuable business assets

What Add-Ons Are Recommended for Commercial Property Insurance?

Flood insurance will be a good commercial property policy add-on because it is typically not covered as a source of damage. If you live in an area that regularly sees flooding, it can be especially valuable. Earthquake insurance can also be a valuable add-on since many policies don’t cover land movements and landslide events by default.

What is a Typical Coverage Limit for Commercial Property Insurance?

Coverage limits for commercial property insurance will vary based on the value of your business property, but generally, small businesses see a coverage limit of about $60,000 for property damage.

Tourists walking down a cobblestone street.

Business Owner’s Policy for Tour Operators

Business owner’s policy combines multiple policy options like general liability and commercial property into one convenient policy. This policy can be further customized with more add-ons as well. Some situations where a BOP is useful include:

A customer slip and fall damages both the customer and part of your property, but since you have a business owner’s policy, you are covered for both

A thief breaks into your business to steal your assets and destroy some of them as well

What Add-Ons Are Good to Have for a Business Owner’s Policy?

Cyber liability– Protects your business from data breaches and cyber attacks

Commercial crime– Protects your business from costs associated with the consequences of employee theft, robbery, forgery, and employee dishonesty.

Equipment breakdown– Helps repair or entirely replace equipment that breaks down from events like a power surge

What is the Coverage Range for Business Owner’s Policy?

Business owner’s policy can offer coverage ranging from as low as $300,000 to as high as $2 million. You will want to determine your amount of risk to decide just how much coverage you will need.

Tools and Equipment Insurance for Tour Operators

Tools and equipment insurance covers the repair of computers, cameras, and other business equipment that got damaged, lost, or destroyed. One advantage of this policy is that you can take your tools off your business premises and still have them covered. Situations, when this policy might be good to get, include:

You take a piece of equipment you use to schedule tours away from your office, and it gets damaged

One of your employees damages a vital tool you need to help arrange accommodations and tour groups for clients

What Are the Coverage Limits I Can Expect With Tools and Equipment Insurance?

Tools and equipment insurance will cover movable tools under $10,000 and around $5,000 for equipment.

Do I Need Any Add-Ons for Tools and Equipment Insurance?

You might want to pick up equipment breakdown coverage, which extends the situations where you can get equipment repaired or replaced.

Another add-on to consider is inland marine coverage. This will protect your tools and equipment from damage when being transported across the land.

Am I Covered for Negligence in Maintaining My Tools?

No, typically, if you fail to exercise proper maintenance and safety standards with tools or equipment you use in your tour operator business, you would not qualify for coverage under this policy.

Commercial Auto Insurance for Tour Operators

Commercial auto insurance provides protection for your business vehicles that you may utilize in your tour operator business. Below are some examples of where this insurance can be useful.

While traveling to hire a tour guide, you get into a collision accident

Your business vehicle is parked at your business, but it gets broken into and vandalized

Commercial auto insurance coverage is comprised of:

Collision– This helps repair or replace your vehicle if it gets into a road collision with another vehicle

Comprehensive– Covers physical damage to your car, not from a road collision

Road assistance– Helps you pay for costs to get your car towed or repaired while it is broken down at the side of the road

Uninsured motorist– Provides coverage when another person’s insurance cannot cover damages they are liable for

Auto liability– When you are found at fault, it helps you pay our injury damages and property damages that you owe

What Are the Coverage Limits for Commercial Auto Insurance?

While there are no clear rules about the coverage to get, insurance companies will typically offer $100,000 in auto liability, and it is recommended that you get between $500,000 and $1 million in coverage.

Workers’ Compensation Insurance for Tour Operators

Workers’ compensation insurance is a policy that a tour operator buys to protect employees when they get injured or ill while on the job. Some cases where this insurance provides protection include:

While working in the office, an employee strains their back and has a limited range of motion, reducing their ability to work

One of your employees slips and falls, damaging their leg to the point they need a medical procedure

Is Workers’ Compensation Legally Required?

Yes, if you have part-time and full-time employees, most states will require that you purchase a workers’ compensation policy.

Are Independent Contract Workers Included in Workers’ Compensation?

No, they are not typically included in a workers’ compensation policy. You would need to add them as additional insured to extend coverage to employees you want to receive benefits.

Financial Failure Insurance for Tour Operators

Financial failure insurance for tour operators is an insurance policy that protects your customers if you cease operations. It is often a component of tour operators insurance policies and ensures you can meet your legal and financial obligations. Some examples of when this insurance kicks in include:

You take money for a holiday tour package from a customer but are unable to fulfill their service request

A customer wants their money back for a tour package, but your business has stopped trading

Tour Operator Insolvency Insurance

Insolvency insurance for tour operators is provided as a blanket coverage and as a surety bond. If availed as a blanket coverage, insolvency insurance will cover customer refunds for advance payments and services paid for. A surety-type tour operator insolvency insurance on the other hand covers incidents of misappropriation. 

Travel Insurance for Tour Operators

This is useful in case you frequently send employees abroad to join workshops, seminars, or conferences. Travel insurance for tour operators accounts for the cost of unexpected events that might happen during a trip such as lost luggage, flight cancellations, flight delays, and bodily injuries of employees.

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Tour Operators Insurance Cost

The average tour operator insurance cost is $38 per month or $456 per year for a $1 million general liability insurance. Factors that affect the cost of premiums are claims history, business history, policy limits, revenues, location, and number of employees. Here’s a table showing the cost of a $1 million general liability insurance from companies we recommend:

Best Tour Operator Insurance Companies

Here are the best tour operator insurance companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance. 

NEXT Tour Operator Insurance

Best overall

Issues an online proof of insurance instantly

Fastest general liability insurance for tour operators

Great customer service and reputation

Excellent rates

Outstanding value for money

Get a 10% discount if you buy two or more policies 

Couldn’t find any

NEXT offers a variety of different coverage options for tour operators. They have general liability, professional liability, commercial auto, business owner’s policy, and many more. NEXT has a stellar track record with a financial score of A- from AM Best and a customer satisfaction rating of B+ from the Better Business Bureau.

Best for: Best overall; Fastest general liability insurance for tour operators

Average cost: $20 per month 

Our rating: 10/10 

The Hartford Tour Operator Insurance

Renowned company for workers compensation insurance

High satisfaction with claims

Can underwrite specialized policies for high-risk business lines

Limited add-ons to general liability insurance

The Hartford has experience with the tour operator and travel industry that allows them to offer knowledgeable and experienced policies. They have 200 years of industry experience and help you get coverage online in minutes. The Hartford has an A+ rating from AM Best and an A+ rating from the BBB.

Best for: Workers compensation insurance for tour operators

Average cost: $23 per month

CoverWallet Tour Operator Insurance

Compare quotes online

Convenient dashboard for policy tracking

HNOA coverage automatically included in general liability insurance

Not an insurance company but an insurance broker

CoverWallet has policy options for tour operators like cyber liability, workers’ compensation, and business owner’s policy. They offer excursion insurance designed for tour operators that helps them be recommended by hotels and covers risks that your travel customers face. CoverWallet has an A+ rating from the BBB

Best for: Comparing tour operator insurance quotes online

Average cost: $26 per month

Our rating: 10/10

Tivly Tour Operator Insurance

A large number of partners

Helps connect you to the right provider

Compare quotes over the phone

Have to call to start a quote

Tivly is a digital insurance solutions company that offers tour operator policy components like workers’ comp, commercial auto, and general liability. The company has over 200 partners that they help connect you with. Tivly has an A rating from the BBB and takes a solutions approach to insurance. This means that they determine what your business needs are and connect you from there. Call now to compare quotes over the phone. 

Best for: Best selection of partners for tour operator insurance

Average cost: $27 per month

Thimble Tour Operator Insurance

Quickly issues an estimate of your rates

Numerous add-ons to general liability insurance and BOP

Get general liability insurance as a short-term policy

You can’t reach customer service by calling

Thimble is an insurance company with extensive experience in the tour industry. They offer general liability, professional liability, business owner’s policy, and other options for your tour operator's policy. The company has a great selection of resources to look through and help you get your certificate of insurance within 60 seconds of starting the process. Thimble has an A+ rating from the Better Business Bureau.

Best for: On-demand coverage for tour operators

Average cost: $29 per month

Hiscox Tour Operator Insurance

14-day money-back guarantee

Numerous add-ons to base policies

Worldwide coverage

Online quoting not available all the time due to periodic site maintenance

Hiscox is a small business-focused insurance company that goes for the quality of their policies over quantity. They can help your tour operator business narrow down a few policies that serve their needs best. Hiscox has a Fitch rating of A+ and an A rating from AM Best for financial strength.

Best for: Tour operator insurance with worldwide coverage

Average cost: $32 per month

AON Tour Operator Insurance

TravPro program offers worldwide protection for tour operators

Paid legal defense

Quote process can be slow

AON tour operator insurance is the mother company of CoverWallet and helps tour operators get coverage for worldwide protection if meet requirements. They offer protections like general liability, professional liability, personal injury, and more. They offer a $5 million per occurrence and $5 million annual aggregate policy limits if you qualify for it. Aon has an A rating from AM Best.

Best for: Extra worldwide protection options for tour operators

Average cost: $34 per month

Our rating: 8/10

Recent Reviews


Lonnie Bell Insuranker

Policy Type: Business Insurance

Company name: Employers Insurance

Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.

This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth

I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.

Company name: Next Insurance

Their general liability insurance purchase process is simply the best online experience I've ever had in my life!

As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!

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Tourism Tattler

7 Insurance Policies for Tour Operators

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All tour operators require insurance protection, but there are some types of cover that you may not have considered. These could be essential to mitigating the risks associated with your tour company.

Table of Contents

Here are the top seven types of insurance cover that every tour operator should consider:

1. General Public Liability Insurance (GPL)

A General Public Liability (GPL) insurance policy is the first cover that is considered mandatory for tour operators. This type of policy protects your company against bodily injury or property damage claims by third parties (third parties include clients and the general public), which arise out of your business’s activities or operations. GPL insurance also covers the legal cost of defending the company against third-party claims.

Bear in mind that in South Africa, the Constitutional Court found the amendments to the Road Accident Fund Act to be constitutional., and as a result,  Passenger Liability insurance is no longer an effective risk transfer solution for Tour Operators.

2. Errors and Omissions

The second type of policy that should be seriously considered by all tour operators is Errors and Omissions, which is sometimes referred to as Professional Indemnity Insurance . Errors and Omissions Insurance protects the insured against claims that can arise from errors or failure to perform work specified in a contract, or omissions in the performance of professional duties. Tour operators are often required to carry Errors and Omissions Insurance in order to comply with professional association requirements, professional standards legislation or to meet the requirements of their clients.

3. Cyber Liability Insurance

Do you book or sell tours online? Do you enable clients to enter their personal information on your website or do you receive personal information via email?

Cyber Liability Insurance is a coverage that is considered more and more important for tour operators, especially with the increase in doing business over the Internet, including selling tours and accepting payments online.

In today’s technological environments, you probably access many forms of electronic data services that can put your company at risk of cyber hacking or by disclosing the private information of our clients and companies with which you do business. Costs for repairs as well as legal costs of settling claims of privacy infringement can be crippling, so it’s important to consider Cyber Liability Insurance as part of your portfolio.

4. Kidnap and Ransom Insurance

Do your employees lead or work on tours themselves, either locally or overseas? If so, they could be exposed to domestic or international threats, such as kidnapping and extortion.

Kidnap and Ransom Insurance can help mitigate your risks and cover you from losses arising from the kidnapping and holding of an insured person for ransom, or from the threat to do harm to a person or property if a ransom is not paid.

Coverage can include kidnapping, the threat to kidnap, injure or kill an insured person, property damage extortion, wrongful detention or hijacking.

5. Crime Insurance

Do your employees handle company money or have access to important documents? Crime Insurance policies are designed to protect businesses from financial loss due to crimes of theft by employees.

A commercial crime policy typically provides several different types of crime coverage including ; employee dishonesty coverage; forgery or alteration coverage; computer fraud coverage; funds transfer fraud coverage; money and securities coverage; and money orders and counterfeit money coverage.

6. Commercial Motor Fleet Insurance

Does your tour company own and operate vehicles? You can protect all your vehicles, including cars, trucks, vans and trailers, with motor fleet insurance. This includes coverage for:

  • Third-party liability costs for bodily injury and property damages.
  • Physical damage to your vehicle arising from collision with another vehicle or object.
  • Medical expenses for the insured in case of an accident.
  • Fare Paying Passengers. Either passenger liability cover; passenger personal accident cover; or a combination of both covers can be arranged.

7. Property Insurance

If you own or rent office space, property insurance is important to consider. After all, your buildings and improvements, stock and equipment are all assets to your business, and any loss will cost you both financially and in terms of time if you’re not adequately protected.

Read more on this topic:

  • Understanding Tourism Trade Insurance Part 1
  • Understanding Tourism Trade Insurance Part 2
  • Understanding Tourism Trade Insurance Part 3
  • Understanding Tourism Trade Insurance Part 4
  • Understanding Tourism Trade Insurance Part 5
  • Understanding Tourism Trade Insurance Part 6
  • Understanding Tourism Trade Insurance Part 7

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6 Types of Insurance Every Tour Operator Needs

If you're in the business of providing tours, then you need to have insurance. It's that simple. But not all insurance is created equal, and there are a few specific types that are essential for tour operators.

In this blog post, we'll discuss the six most important types of insurance, and we'll explain why each one is important. So if you're looking to start a tour company or you're just curious about what type of insurance you should be carrying, read on!

What kind of insurance do tour operators need?

Thinking about starting a tour business? Well, you may have heard that insurance is essential, but what type of policy do you need? Let us unravel the mystery for you.

Every tour operator business has unique needs that should be taken into account when selecting an insurance policy. But there are some general types of coverage you'll want to make sure you have.

Deciding which one, however, is up to you and your provider. To help you, ask yourself:

What possible risks may arise and how can I best prepare to protect against them?

Anticipate potential risks that could emerge to be prepared for any possible outcomes. For example:

  • Who covers the risk of property damage, liability, or other risks associated with taking people on tours?
  • What if a customer breaks his leg on your zipline tours or gets food poisoning from your restaurant tour? Who will cover the emergency medical costs?
  • What happens if one of your tour guides gets injured while leading the tour or gets COVID-19?

Knowing the answers to these questions is crucial for making sure your tour business is properly covered.

Furthermore, each country may have unique requirements depending on the tour activities you offer. So be sure to research your options and make an informed decision about the kind of coverage that best suits your needs, even small businesses.

Now that you know why insurance is important to protect your business, let's take a look at what type of policies you should consider.

tour operator business insurance

6 Types of Insurance for Tour Operators

1. general/business liability insurance   .

Without a doubt, tour businesses must acquire this type of insurance for their protection. It covers legal costs if someone sues your business for personal injury, bodily injury, property damage, slander and libel, copyright infringement, and more.

For example, your tour driver could get into an accident that damages property or injures someone. If that happens, then general liability insurance will help cover the costs associated with the damages.

Without this one, you're putting your business in a precarious position.

2. Professional liability insurance 

Also known as Errors and Omissions (E&O) liability insurance, this type of policy protects you against the risk of being sued for negligence.

For instance, if a customer on your tour gets food poisoning from a restaurant you recommended, then your business can be held liable for not providing accurate information. This will help cover the costs like medical bills of any legal action.

3. Commercial property insurance  

It doesn't matter where your business is located, property insurance should be considered a must-have. This third party property policy will help protect your physical assets from risks such as fire, theft, floods, and other natural disasters.

For example, if you operate by the beach, then you should probably invest in property insurance with coastal coverage.

4. Auto/transportation insurance  

If your tour operator business involves transportation (for example, a bus tour), then you must have auto insurance. This will cover any expenses related to the vehicle in case of an accident of your employees and clients.

For instance, your paddle-boarding tours require a truck to transport the equipment. If the driver gets into an accident while on tour, then this will help cover the damages.

Also, when you have this type of insurance, any employee may drive. This will allow you to rest assured that your staff is covered in case of an emergency.

5. Cyber liability insurance 

This type of liability insurance protects businesses from cyber attacks and other digital risks.

For example, if a hacker steals confidential customer data from your website or an employee accidentally sends sensitive payment information to the wrong person, then this will help cover the costs associated with recovering the data and restoring your reputation.

6. Business interruption insurance 

This policy will help secure your business from any unforeseen circumstances that could lead to a risk of financial loss.

For example, if your tour company is forced to temporarily close due to the COVID-19 pandemic, then this insurance will help cover the expenses incurred while your business is closed.

Tour businesses with a business interruption policy were able to recoup their customer refunds due to pandemic-related closures and cancellations thanks to the protection provided by their companies.

Additional best practices for protecting your business 

In addition to the six types of insurance discussed above, there are other steps you can take to protect your business.

  • Make sure all employees have the proper training and certifications.
  • Keep up with safety regulations, such as regular vehicle maintenance checks or pest control services.
  • Understand the laws and regulations that apply to your industry.
  • Create a crisis response plan and review it regularly.
  • Stay ahead of the competition by monitoring their activities and trends in the industry.

Having a cancellation policy is also a must-have. This should even be readily available on your website so customers know what to expect in case they need to cancel their tour. Your terms should be clear and concise, leaving no room for misinterpretation.

Finally, ensure you have emergency medical plans in place. For instance, if your tours are based in places where hurricanes or tropical storms are common, have a plan in place to evacuate quickly and safely.

Frequently Asked Questions

How much does tour operator insurance cost.

The cost of insurance will vary depending on the type and amount of coverage needed. Generally, the more coverage you have, the higher your premium will be to protect your business.

How much is liability insurance for tour operator?

Liability insurance typically ranges from hundreds to thousands of dollars, depending on the type and amount of coverage needed.

Do tour guides and travel agents need insurance?

Yes, most travel agents and tour guides should have the appropriate insurance to protect themselves and their customers from liabilities and financial losses. Insurance can also provide peace of mind for both the tour guide and their customers.

Final Takeaways

Having the right insurance is an essential part of running a successful tour business.

With this comprehensive guide, you should now have a better understanding of the different types of insurance tour businesses need and how they can protect their business from liabilities and financial losses.

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Excursion Insurance

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As a tour or excursion operator you need excursion insurance in order to be recommended and listed as an excursion option for cruise lines and to protect you from the risks associated with both the tour activities themselves and your day-to-day business interactions and functions. we’ll help you get the coverage you need..

There are several excursion insurance requirements for tour operators who contract with cruise lines and resort hotels, or sub-contract to other major tour companies. These requirements are a necessity for any tour or excursion operator to compete in a business that places heavy emphasis on the quality and amount of the liability insurance policy of a service provider to whom they refer their guest.

Without the proper liability protection, tour and excursion operators will inevitably miss opportunities to provide services to these customers, and will miss out on profit opportunities for their company.

Types of Coverage

Contingent general liability.

Also referred to as Third Party or Public Liability, this coverage is mandatory for mitigating exposure for any tour operator dealing directly with cruise passengers.

This coverage excludes auto, aircraft and motorboats. Non-motorized watercraft such as kayaks; canoes; sunfish; etc. are included.

This coverage does not replace any business property or liability coverage placed locally. This insurance is mandatory for mitigating exposure for any tour operator dealing directly with the public. This includes every service from ziplines, river rafting tours, cultural walking tours and museum tours to vehicle and watercraft rentals.

The liability insurance coverage should include third party claims for personal injury, property damage or loss and the legal cost in settling the claims. The claims against tour operators can be settled out of court in some cases, but there is usually a monetary settlement involved that could potentially bankrupt a tour operator without adequate insurance trip coverage.

Contingent Auto Liability

This coverage is excess auto liability coverage over and above your local compulsory automobile insurance and includes coverage for owned, hired and non-owned vehicles. This liability insurance is an excursion insurance requirement for tour operators with any type of motorized vehicles that provide transportation to cruise passengers.

This insurance covers* damage to the vehicle from the person using it, injury and property damage or loss to participants on the tour if an accident occurs and medical expenses for injuries.

*Refer to your policy for specific coverage.

Contingent Watercraft Liability

Similar to Contingent Auto Liability, this liability insurance provides the excursion insurance requirement for tour operators with any type of motorized or non-motorized watercraft that provide transportation to cruise passengers.

This insurance covers* damage to the vehicle or watercraft from the person using it, injury and property damage or loss to participants on the tour if an accident occurs and medical expenses for injuries.

What You Need to Know

Insurance policies are usually customized to cover potential accidents based on the types of vehicles and watercraft as well as their function. While some tour companies may own their buses, many contract with bus companies to transport guests on their tours at various locations. They may also hire local tour guides.

The local bus company should have coverage for their fleet, their employees and third party coverage in the event of an accident while tour guests are aboard. The tour operator generally holds the sub-contractor, the bus company, responsible for personal injury and property damage and loss. If a bus or van breaks down, the transportation contractor must provide another vehicle to bring passengers to the cruise ship or airport on time.

Vehicle and equipment operators must advise their guests on all safety requirements and procedures related to the particular tour or excursion when required. It is the tour operator’s responsibility to prepare the guest with the emergency procedures in advance of any event for the safety and protection of all guests.

Other types of excursion coverage may be appropriate for your particular business depending on the type of tours you conduct. When choosing coverage, you also want to be certain that whatever type of excursion insurance you purchase, it provides coverage in all geographical areas where you operate tours.

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Which Tour Operator Insurance Is Right for You?

Create the ideal insurance plan for your tour or activity business with this essential guide on all things insurance – from liability and property damage to all of the steps you need to take to create the optimate insurance plan for your operation

tour operators insurance policy

by Janelle Visser | 4 December 2023

Every tour operator and guide who’s been at it for a while has their fair share of horror stories. Guests getting injured or sick or worse on tour. Bus breakdowns, accidents or near-misses. In the course of my tour guide career I have already met almost all four horsemen of the apocalypse: (wild) Fire, Flood (and hurricane and blizzard), and of course Pestilence (running a multi-day tour in mid-March 2020 with the coronavirus closing everything behind us). At least I’m still alive: despite many questionable choices in the name of adventure, Death hasn’t caught up with me yet.

Embarking on the journey of running a tour, activity, or attractions company in the travel industry is an exhilarating one, offering unique experiences to travelers. However, the thrill comes hand in hand with a set of risks and uncertainties that can potentially jeopardize the smooth operation of your business. Your safety net — or parachute — in this adventure is none other than a well-crafted tour operator insurance plan.

In this guide, we will navigate through the many considerations of finding the right tour operator business insurance, and understanding the key coverage options essential for the protection of large and small businesses such as tour companies, activity suppliers, visitor attractions and other operators in the in-destination experiences sector. 

Don’t wait until the worst case scenario happens or the four horsemen of the apocalypse are bearing down on you and you’re finding cover to realize you have a dreaded gap in your coverage: prepare now to ensure you have the right insurance coverage in place!

In this article:

  • Why Tour Operators Need Specialized Insurance 
  • Liability Insurance
  • Property Damage Coverage
  • Business Interruption Insurance
  • Commercial Auto Insurance
  • Worker’s Compensation
  • Errors and Omissions Insurance
  • Commercial Crime Insurance
  • Reputation of the Insurance Provider
  • Assessment of Business Risks
  • Budget and Premium Costs
  • Policy Exclusions and Limitations

How to Ensure Comprehensive Coverage for Your Business: Introducing Arival ProShield

Why tour operators need specialized insurance.

Let’s start by unraveling the significance of insurance in the context of the travel industry. Insurance plays a pivotal role in providing a safety net against unforeseen events that could lead to substantial financial losses. 

For tour operators, the risks are unique and multifaceted, ranging from accidents and bodily injuries during tours to cancellations, weather-related incidents, property damage, even cyber liability. Managing these risks necessitates a specialized approach to insurance to ensure you have the right coverage when you need it. 

Distinct from regular travel insurance, which primarily focuses on the needs of the traveler, or general business insurance, which tends to use a one-size-fits-all approach, the right insurance for tour operators should be tailored to address the specific challenges, needs and circumstances faced by those designing and delivering a myriad of unique, immersive and Instagram-worthy experiences.

Key Coverage Options for Tour Operators

1. liability insurance .

Think of general liability insurance as the bedrock of your business protection. It shields you from potential lawsuits or claims made by clients in the event of accidents during a tour. Whether it’s bodily injury or property damage, this coverage is your financial safety net, ensuring you can navigate legal complexities and potential settlements without jeopardizing your business.

Imagine a scenario where a guest sustains an injury during one of your adventures. Tour operator liability insurance steps in, shouldering the financial burden of legal proceedings and potential compensation. General liability insurance is the security blanket that allows your business to weather unforeseen storms and continue thriving.

tour operators insurance policy

2. Property Damage Coverage

Property damage coverage comes into play when unexpected events like natural disasters, theft, or vandalism impact the property owned or rented by your tour company. This isn’t just about protecting physical assets; it extends to ensuring the uninterrupted flow of your business operations in the face of property-related incidents.

Picture a scenario where your tour office faces damage from a fire, rendering it temporarily unusable. Property damage coverage becomes your financial ally, mitigating the repercussions and allowing your business to recover and continue operations without facing severe financial setbacks.

tour operators insurance policy

3. Business Interruption Insurance

In the ever-changing landscape of the travel industry, business interruption insurance stands as a flexible shield. It provides financial support when your business is temporarily unable to operate due to unforeseen circumstances like pandemics, natural disasters, or political unrest.

Consider the impact of a sudden government-imposed lockdown due to a pandemic. A lot of small businesses in particular struggled a great deal under these restrictions. Managing your insurance program can be a considerable challenge under these circumstances, and business interruption insurance becomes your financial lifeline when cancellation rates go through the roof, covering ongoing expenses and lost income during the closure. It’s the buffer that ensures your business remains financially stable and ready to resume operations when conditions improve.

tour operators insurance policy

4. Commercial Auto Insurance

If your tours involve the use of vehicles, such as buses, vans or jeeps, commercial auto insurance is non-negotiable. It goes beyond personal auto insurance, offering protection specific to the commercial use of vehicles within your business operations.

Envision a scenario where one of your tour vehicles is involved in an accident during a guided tour. Without adequate commercial auto insurance, the financial ramifications could be immense. This coverage ensures that your vehicles, drivers, and clients are protected, allowing your business to continue delivering exceptional experiences without unnecessary disruptions.

tour operators insurance policy

5. Worker’s Compensation

Your team’s well-being should be paramount. Workers compensation is crucial, especially for roles like tour guides who are exposed to a variety of potential risks during tours. This coverage provides financial support for employees in the event of injuries or illnesses directly related to their work.

Imagine a situation where a tour guide sustains an injury while leading a group through challenging terrain. Workers compensation ensures that medical expenses and lost wages are covered, allowing the injured employee to focus on recovery without facing financial strain. This not only safeguards your employees but also contributes to the overall well-being of your business.

tour operators insurance policy

6. Errors and Omissions Insurance

In addition to general liability insurance, errors and omissions insurance, often known as professional liability insurance, is your shield against claims arising from alleged negligence, omissions or mistakes. This professional liability coverage is particularly relevant in scenarios involving misinformation about tour details, incorrect bookings, or oversights in service provision.

Consider a scenario where a guest claims they received incorrect information about the accessibility features during a guided tour, and is unable to join or complete the tour. Without errors and omissions insurance, the financial burden of legal defense and potential settlements could be substantial. This coverage ensures your business is safeguarded against claims related to professional liability, such as unintentional errors and omissions in your tour descriptions and guest communications, allowing you to focus on delivering exceptional experiences with confidence.

tour operators insurance policy

7: Commercial Crime Insurance

It’s hard to think that someone inside your organization would ever do anything dishonest.  However, you may find it shocking just how often this happens. There are many conditions that can lead to an incident but anytime an employee has access to bookkeeping, bank accounts, credit cards, etc., there is potential for a damaging incident to your business. In addition to general liability and professional liability insurance, this coverage protects against fraud, theft, or other criminal acts that could potentially cripple the financial stability of your business.

Picture a scenario where an employee engages in fraudulent activities, embezzling funds from your tour company. Commercial crime insurance becomes the shield that guards your business against financial losses resulting from such criminal acts. By understanding and addressing potential risks associated with commercial crimes, you can fortify the resilience of your business against external — and internal — threats.

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Factors to Consider When Choosing Insurance Coverage

First of all, you do not need to become an expert in all things insurance. There are two key components to choosing your insurance coverage: your insurance advisor, agent or broker, and the insurance carrier or underwriter. For operators of tours, activities and attractions, finding a reliable insurance advisor to work with, ideally one who is familiar with the nuances of the travel industry, is an important first step.

This advisor should help you navigate through the following steps of assessing the risks your business faces, finding the best policy tailored to your business for the best price, and ensuring there aren’t exclusions and limitations in the policy that leave you uncovered in the event of a claim.

tour operators insurance policy

1. Reputation of the Insurance Provider

Choosing a reputable and well-regarded insurance advisor is crucial for the success of your insurance program. The reliability of your insurance agent can impact the efficiency of claims processing, the clarity of policy terms, and the overall experience of managing your insurance program.

Research potential partners thoroughly, checking reviews, ratings, and past claim experiences. Ask how many clients they work with that have similar operations as you. Reach out to other businesses in the tours, activities and attractions sector for recommendations and insights on who they have worked with. A reputable insurance provider not only offers financial protection but also provides peace of mind, knowing that your business is in capable hands when it comes to risk management.

2. Assessment of Business Risks

Your insurance advisor should help you understand the specific risks your business faces, and ensure your policy is tailored to provide effective insurance coverage based on the unique challenges inherent to your business. This assessment takes into account factors such as geographical location, types of tours offered, and the scale of operations — small businesses may have different needs than larger ones. 

For instance, if your tours involve water or aerial activities, the risk profile will differ significantly from a company specializing in historical walking tours. By understanding and analyzing these risks, your insurance agent should guide you to make informed decisions about the types and levels of coverage needed to safeguard your business effectively.

tour operators insurance policy

3. Budget and Premium Costs

How much does tour operator insurance cost? This can vary depending on your specific needs and requirements. While comprehensive coverage is crucial, it’s equally important to balance coverage needs with budget constraints. No one wants to pay any more money for insurance than they must. Your insurance agent should help you to evaluate insurance quotes carefully, considering both coverage and premium costs. Recognize that under-insuring could leave your business vulnerable, while over-insuring may strain your budget unnecessarily.

Explore different tour insurance coverage options and discuss your budgetary constraints with your insurance agent to find a balance that meets your financial capabilities without compromising the effectiveness of your coverage. Remember, the goal is to ensure adequate protection for your business without unnecessary financial strain.

4. Policy Exclusions and Limitations

One of the reasons it’s so important to work with an insurance agent familiar with tourism operator insurance is so they can ensure your policy covers what you need it to. The last time you want to find out your parachute has holes in it is when the plane is going down! A thorough understanding of what is not covered under your policy is as important as understanding what is covered. Policies often come with exclusions and limitations that may impact the effectiveness of your coverage. 

For instance, some policies may have exclusions related to specific types of activities or events, or to specific locations. If you add a new tour type that involves a mountain biking component, does your current operator insurance cover that? If you’re a U.S.-based tour company operating primarily in Florida, does your policy include tours to Puerto Rico or the U.S. Virgin Islands? 

tour operators insurance policy

For this reason, it’s imperative that your advisor understands your business, knows the insurance market and has relationships with the limited number of carriers that will underwrite your unique business, and you can trust to make sure is able to design and provide an adequate parachute. You should be able to fully trust that your insurance advisor is acting in your best interest and making sure you are getting appropriate coverage at a fair price.

tour operators insurance policy

Navigating the complexities of insurance for tour operators is paramount for the sustained success of your business. From professional liability to business interruption, from bodily injury to cyber liability, there are so many factors to consider. But proper, flexible, customized insurance can be notoriously difficult for tour and activity operators to find. 

For a while now, Arival has been working behind the scenes on a way to help operators in our industry struggling with insurance challenges. Recently, we launched Arival ProShield for U.S. operators, a comprehensive insurance product specifically tailored for tour, activity, and attractions businesses, offered in partnership with Granite Insurance. Learn more about this insurance product, available exclusively to Arival Insider Pro Access members, here .

As you embark on this journey of finding and choosing the right insurance coverage, consider the key takeaways: partner with a reliable insurance provider, understand your risks, and choose comprehensive coverage that’s tailored for your specific needs. 

Or in other words, whatever you do and whoever you do it with, remember: always use protection .

Photo credits: Pexels / Quang Nguyen Vinh, Pixabay, Mati Mango, Tim Mossholder, Arthouse Studio, Vika Glitter, Vlad Deep, APG Graphics, Greg Rosenke.

tour operators insurance policy

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Arival.guides Short, digestible research & trends reports delivering insights into our industry, such as The Tour Operator Outlook for 2021.

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tour operators insurance policy

At Arival, we believe travel can make the world a better place. Our mission is to establish and inspire a diverse community of individuals and companies in the In-destination Industry by providing opportunities to gain insight, share knowledge and build connections. To make it possible for true collaboration, creativity, innovation, and idea exchange to thrive, we are committed to facilitating a welcoming and respectful community for all. This Conference Code of Conduct shares our community expectations and applies to all attendees, employees, exhibitors, speakers, sponsors, volunteers, and other participants at Arival- produced and sponsored events. We empower all participants in our community to actively engage in creating a friendly, inclusive and safe environment for all.

Arival’s core values include the following, and create an expectation for conduct at our events and in online community spaces:

We demonstrate a  deep respect  for human beings inside and outside our company and for the communities in which they live. We  value integrity  and strive to consistently interact with others in ways that are authentic, ethical, and fair. We are  dedicated to transparency , committing to clear, open and honest communication. We  actively pursue and advocate for inclusion, diversity and representation  of varying cultural backgrounds, perspectives and ideas

Arival welcomes people from all cultural backgrounds, and does not discriminate on the basis of race, color, creed, gender (including pregnancy, perceived pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, religion (including religious dress and grooming), marital status, domestic partner status, genetic information, age, national origin or ancestry, military or veteran status, sexual orientation, physical or mental disability, or any other basis protected by federal, state, or local laws.

Accordingly, participants must refrain from displaying any demeaning, harassing, aggressive, or intimidating behavior or materials that would interfere with others’ experience and participation in our community.

If you witness or are subjected to inappropriate or disruptive behavior or have any other concerns, notify an Arival staff member as soon as possible.

Inappropriate or disruptive behavior will not be tolerated. Arival reserves the right to refuse entry to or remove any party from any event or community space at any time when participation or behavior create a disruption or hinder the event or enjoyment of the event by other participants. All determinations are at the sole discretion of Arival, and the decision of the Arival team will be final. Severe breaches of this Conference Code of Conduct may result in disqualification from participating in future events. Individuals expelled due to violating this Conference Code of Conduct will not be eligible for a refund or other consolation.

If you have questions regarding this Conference Code of Conduct or its implementation, please contact us at [email protected] .

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  • Travel Agents & Tour Operators Insurance

Insurance solutions for tour operators and travel agents.

Start your journey with us today. call us on 0800 062 2028, start your journey today., travel agents & tour operators' liability insurance.

This can include tour operators’ liability insurance, including liabilities arising from The Package Travel, Package Holidays and Package Tours Regulations 1992.

With over 30 years’ experience as an independent insurance broker for travel agents and tour operators, we can arrange competitively priced insurance for any business, from small, single-proprietor firms to large UK companies.

We specialise in travel businesses

Because we specialise in insurance for travel companies, we know just how complex your risks can be. Over the years, we’ve developed a deep understanding of the challenges faced by tour companies and travel agencies , and can advise you about the types and you may need to protect your business.

Relationships with travel underwriters

Thanks to our long-standing experience arranging insurance for travel agents and tour operators, we’ve developed strong relationships with some of the leading travel underwriters. As a result, we can arrange wide-ranging and competitive insurance solutions for both travel agents and tour operators – suitable for your business.

Insurance for travel businesses can include travel agent’s and/or tour operator’s liability insurance, scheduled airline failure insurance (SAFI insurance), travel bonds (ATOL, ABTA, CPT, IATA, Airline), public liability & employer's liability insurance and product liability cover. It can also include cyber liability insurance, directors’ & officers’ liability cover, supplier failure credit insurance and office/shop/commercial combined insurance.

Travel Agents & Tour Operators Insurance

  • 30+ years specialising in insurance for travel agencies & tour operators
  • Helpful advice about the type & level of insurance you need
  • Cover your liabilities under The Package Travel, Package Holidays and Package Tours Regulations 1992
  • Long-standing relationships with travel underwriters

We can arrange insurance which covers liabilities to the public and employees, as well as cover for claims arising from errors/omissions in client bookings. And our insurance for tour operators covers legal liabilities arising from The Package Travel, Package Holidays and Package Tours Regulations 1992 (including liability for suppliers’ actions). For further information please contact us.

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General Liability Insurance for Tour Operators

Tour operators are responsible for providing their clients with safe and enjoyable travel experiences. However, accidents can happen, and tour operators can be held liable for any injuries or damages that occur during a tour. This is where general liability insurance comes in. General liability insurance for tour operators provides coverage for a variety of risks, such as bodily injury, property damage, and personal injury claims.

Tour operators can face several risks when running their business. For example, a client could slip and fall while on a tour, or a tour vehicle could be involved in an accident. Without adequate insurance coverage, tour operators could be held personally liable for any resulting injuries or damages. General liability insurance helps protect tour operators from financial losses by covering the costs of legal fees, medical expenses, and damages awarded in a lawsuit.

It is important for tour operators to carefully consider their insurance needs and choose a policy that provides adequate coverage. Different policies may have different limits and exclusions, so it is important to read the fine print and understand exactly what is covered. By investing in general liability insurance, tour operators can have peace of mind knowing that they are protected against the unexpected.

Understanding General Liability Insurance

For tour operators, general liability insurance can cover a wide range of risks, such as slip and fall accidents, property damage caused by tour participants, and injuries sustained during activities or excursions. It can also provide coverage for legal expenses and settlements in the event of a lawsuit. Some common examples of incidents that general liability insurance can cover for tour operators include:

  • A tour participant trips and falls on a sidewalk during a walking tour, resulting in a broken ankle.
  • A tour guide accidentally damages a historical artifact during a museum visit.
  • A tour participant suffers a heat stroke during a hiking excursion.

Importance for Tour Operators

General liability insurance is an essential coverage for tour operators, as it can help protect their business from potentially devastating financial losses. Without adequate insurance, tour operators may be responsible for paying for damages and legal expenses out of pocket, which can be extremely costly.

In addition, many tour operators are required to have general liability insurance as a condition of their contracts with third-party vendors, such as hotels and transportation companies. Without insurance, tour operators may not be able to secure the necessary contracts to operate their business.

Thanks for choosing BimaKavach for Free Get Quote Insurance needs. We are finalising the chosen quote with the insurer. Our relationship manager will call you to guide you along. In case, you wish to connect with us for any help, feel free to mail us at [email protected]

Evaluating Risks and Coverage Needs

Common Risks Faced by Tour Operators

Tour operators face a variety of risks that can lead to financial loss or legal liability. Some common risks include:

  • Slip and fall accidents: Tour operators may be held liable for injuries that occur on their premises or during a tour. Slip and fall accidents can happen on wet or uneven surfaces, stairs, or in poorly lit areas.
  • Transportation accidents: Tour operators may be held liable for accidents that occur during transportation, whether it be by bus, boat, or airplane. Accidents can be caused by driver error, mechanical failure, or weather conditions.
  • Property damage: Tour operators may be held liable for damage to property that occurs during a tour, such as damage to hotel rooms or rental equipment.
  • Illness or injury: Tour operators may be held liable for illness or injury that occurs during a tour, such as food poisoning or a hiking accident.

Assessing Business Vulnerabilities

To determine the appropriate coverage needs for a tour operator, it is important to assess the business's vulnerabilities. This can be done by considering the following factors:

  • Type of tours offered: Different types of tours pose different risks. For example, adventure tours may have a higher risk of injury than sightseeing tours.
  • Size of business: Larger businesses may have more exposure to risk than smaller businesses.
  • Location: Tour operators in areas with extreme weather conditions or political instability may have a higher risk of accidents or cancellations.
  • Safety protocols: Tour operators with strong safety protocols and risk management practices may have lower risk exposure.

Insurance Policy Components

General Liability Insurance for tour operators is designed to protect businesses from financial loss in case of injury, property damage, or other liabilities that may arise during their operations. This type of insurance policy is made up of several components that work together to provide comprehensive coverage.

Policy Limits

Policy limits refer to the maximum amount of money that an insurance company will pay out for a claim. Tour operators should carefully consider their policy limits to ensure that they are adequately covered in case of a major accident or incident. Higher policy limits generally come with higher premiums, so it is important to strike a balance between coverage and affordability.

Deductibles and Premiums

Deductibles are the amount of money that a policyholder must pay out of pocket before their insurance coverage kicks in. Higher deductibles can help to lower premiums, but they also mean that the policyholder will have to pay more in case of a claim. Tour operators should carefully consider their deductibles and premiums to ensure that they are getting the best value for their money.

Exclusions and Endorsements

Exclusions are specific situations or types of claims that are not covered by an insurance policy. Endorsements, on the other hand, are additions to the policy that provide additional coverage for specific situations. Tour operators should carefully review their policy exclusions and endorsements to ensure that they have the coverage they need for their specific business operations.

Choosing the Right Insurance Provider

When it comes to purchasing general liability insurance for tour operators, look no other than BimaKavach. Our experts help you choose the right policy at most competitive premium.

Filing a Claim in Case of a Lawsuit

In the event of an accident or injury, it is important for tour operators to file a claim with their general liability insurance provider as soon as possible. The claims process typically involves providing details of the incident, such as the date, location, and nature of the injury or damage. Additionally, tour operators may need to provide supporting documentation, such as witness statements or medical records. To file a claim, tour operators should contact BimaKavach directly. It is important for tour operators to provide as much information as possible to ensure a smooth and efficient claims process.

What to Expect After Filing

After a claim has been filed, the insurance provider will typically assign a claims adjuster to investigate the incident and assess the damages. The adjuster may contact the tour operator to gather additional information or to schedule an inspection of the property or equipment involved in the incident. Once the investigation is complete, the adjuster will determine the amount of compensation that the tour operator is entitled to under their policy. This may include reimbursement for medical expenses, property damage, or other costs associated with the incident.

Overall, the claims process for general liability insurance can be complex and time-consuming. However, by working closely with Bimakavach, tour operators can ensure that they receive the compensation they are entitled to in the event of an accident or injury.

Best Practices for Tour Operators

Tour operators must take proactive steps to minimize risks and protect their businesses from potential lawsuits. Here are some best practices that tour operators should follow to ensure they are adequately protected:

Risk Management Strategies

Tour operators should implement risk management strategies to minimize potential risks. This includes conducting regular safety inspections, creating emergency response plans, and providing adequate training to employees. Tour operators should also consider obtaining waivers of liability from customers to protect themselves from potential lawsuits.

Regular Policy Review and Updates

Tour operators should regularly review and update their general liability insurance policies to ensure they have adequate coverage. This includes reviewing policy limits, exclusions, and deductibles. Tour operators should also consider obtaining additional coverage, such as commercial auto insurance or workers' compensation insurance, depending on the nature of their business.

By following these best practices, tour operators can minimize risks and protect their businesses from potential lawsuits. It is important to work with an experienced insurance agent who can help identify potential risks and provide guidance on appropriate insurance coverage.

Case Studies and Real-World Examples

Real-world examples can help illustrate the importance of having general liability insurance for tour operators. Here are a few examples:

Example 1: Slip and Fall

A tour operator takes a group of tourists to a museum. One of the tourists slips and falls on a wet floor, injuring themselves. The tourist sues the tour operator for negligence, claiming that they failed to warn them about the wet floor. The tour operator's general liability insurance policy covers the cost of the lawsuit, including legal fees and any damages awarded to the injured tourist.

Example 2: Property Damage

During a tour, a tourist accidentally damages a piece of artwork at a museum. The museum demands that the tour operator pay for the damages. The tour operator's general liability insurance policy covers the cost of the damages, up to the policy limit.

Example 3: Bodily Injury

A tour operator takes a group of tourists on a hiking trip. One of the tourists falls and breaks their leg. The tourist sues the tour operator for negligence, claiming that they failed to provide adequate safety equipment or warn them of the dangers of hiking. The tour operator's general liability insurance policy covers the cost of the lawsuit, including legal fees and any damages awarded to the injured tourist.

Frequently Asked Questions

Tour operators often have questions about general liability insurance coverage. Here are some frequently asked questions that may help clarify the basics.

1. How much general liability insurance do tour operators need?

The amount of general liability insurance needed by tour operators may vary depending on the size of the operation and the types of tours offered. Tour operators should consult with BimaKavach experts to determine the appropriate amount of coverage for their specific needs.

2. Are there any exclusions to general liability insurance coverage for tour operators?

General liability insurance for tour operators may have exclusions for certain types of activities or events. Tour operators should carefully review their policy to understand any exclusions that may apply to their operations.

3. How can tour operators reduce their risk of liability claims?

Tour operators can reduce their risk of liability claims by implementing safety procedures and protocols, providing proper training to tour guides and staff, and regularly inspecting and maintaining tour vehicles and equipment. Additionally, tour operators should ensure that all participants sign waivers and release forms before participating in any tours or activities.

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Tour Operators Insurance

Bespoke insurance tour operators

  • We hold ABTA partner plus
  • Specialist cover solutions to suit your business
  • UK-based support 

Call us on 01932 334 140 or get a quote online .

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One of the UK's leading independent insurance brokers

Overall service rating 4.6 / 5

Based on 4292 customer reviews

Why choose tour operators insurance with Towergate?

Expert tour and travel operator brokers.

One of the UK’s largest placing brokers of tour and travel agents, combined liability insurance packages

Competitive tour operate quotes

Preferred status amongst the majority of the market ensures your quote is competitive

Policies to fit your requirements

Ability to ensure the tour operators insurance policy fits your business and complies with your package travel regulation requirements

Pay for tour operators insurance by Direct Debit

You can split your payments into instalments

About tour operators insurance

What does public liability insurance cover, public/products liability insurance for tour operators.

We can offer policies for either full liability cover, or office combined insurance specifically designed for the needs of the UK travel trade. This covers you against claims such as slips, falls, food poisoning and personal injuries while your clients are in the care of your suppliers, such as accommodation providers and/or transportation services.

Professional indemnity insurance operators

Professional indemnity is included as standard in our tour operators’ insurance policies and covers you against misinterpretation and incorrect information in brochures and advertising material.

A recommended tour operator insurance partner

We are a preferred tour operator insurance partner for some of the industry's major names. This includes being an ABTA Partner Plus recommended by the ABTA board; business partners of the Coach Tourism Association; and the only tour operator insurance broker with a preferred business relationship with IAGTO.

How do claims work?

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 01932 334 140 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.

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Ready to get covered?

  • Fill in our quick form or call us
  • Purchase your policy
  • Relax - You're covered!

Tour operators insurance FAQs

Why do i need tour operators insurance.

As a tour operator you are responsible for yourself, your business, your clients and the general public, and should something happen to someone during your trip you could be held responsible as it was organised by you.

New regulations mean that it is more important than ever to ensure you and your business are protected from claims. As of 1 July 2018, rules protecting package holidays organised by tour operators extend to cover customers who book other forms of combined travel, such as, flight plus hotel, or hotel plus car rental put together as a deal on a website. These types of bookings are viewed as a package and protected as such. These regulations mean that traders will be made explicitly liable for booking errors in relation to packages, organisers are required to assist travellers in difficulty, as well as a number of other new regulations.

What happens if there is a crisis during a trip?

In a crisis situation, such as a death or kidnapping, when you need immediate expert help, the policy offers 24-hour support and can arrange for attendance in resort by lawyers, expert consultants and adjusters. We are also able to offer crisis PR support and have engaged a specialist travel PR firm who will assist in providing a clear and accurate picture of the situation whilst ensuring that negative coverage is kept to a minimum and a good reputation is maintained.

Why should I get my tour operators insurance from Towergate?

Towergate are in a Government steering group for tour operators insurance and are therefore aware of the latest regulations and public information so we can help tailor your policies to ensure you are covered. Our preferred status means we can help you access attractive rates.

What assistance will you provide in the instance of a claim?

Each claimant will receive a dedicated claims handler to assist them throughout their claim. To meet the demands for claims management we operate to rigorous service levels and our department in Byfleet is part of the wider Towergate claims team, nominated for four awards in 2016. As part of this larger team we can increase our handling capacity at short notice during surge events, such as the volcanic ash cloud in 2011.

  • We aim to assess all new claims within 24 hours
  • Once a decision is made on a claim we make payment within five working days
  • We have an emergency assistance company available to assist with medical emergencies and repatriation requirements

See our range of cover for trade

Financial failure, travel agents, travel bonds, business indemnity, business interruption, business protection, directors and officers liability, employee benefits, limited company, trade insurance articles and guides, financial failure and travel insolvency insurance - eu directive.

Discover our new financial failure and travel insolvency insurance scheme in order to meet the requirements of the July 2018 EC Package Travel Directive.

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Get the best business insurance. Our checklist will help you understand what makes the best business insurance and what you can do to be best protected.

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First Underwriting Ltd

Tour Operators’ Liability

For over 20 years our underwriters have been providing Tour Operators’ Liability insurance and we are proud to be one of the UK’s leading underwriters of Tour Operators’ & Travel Agents’ Insurance.

Tour Operators Insurance

About Tour Operators' Liability

The first underwriting bespoke insurance solutions for tour operators and travel agents includes:, public/products liability, professional indemnity, employers liability.

  • Crisis management

Our extensive experience of the insurance industry – combined with our established reputation and professional negotiation skills – ensures that you will get the best deal for your tour operator or travel agent by coming direct to us.

We continually strive to be innovative and offer tailor-made insurance solutions for tour operators’ and travel agents’ within the travel industry. Our policies are selected to suit the needs of your clients and are underwritten by our specialist team. As well as handling the cover, we also provide insurance protection for DMCs, bed-banks (principal or agent), coach operators and those companies that encompass many of these trading elements.

We are vastly experienced in providing bespoke insurance schemes for the travel industry, our team constantly strive to be innovative in order to offer the best solution for your clients.

Working closely with brokers, our underwriters have a proven track record of producing new products within a short time period whilst ensuring they are fit for purpose, easy to understand, competitively priced and profitable.

Public Liability Bonds

Worldwide cover for personal injury and death with limits of indemnity up to £10m. Liability arising from The Package Travel and Linked Travel Arrangements 2018, including accidental damage to property, legal defence costs and indemnity to principals.

Professional indemnity

Worldwide jurisdiction and limits of indemnity up to £5m. Breach of contract, misrepresentation or the mis-booking of any travel services can lead to substantial claims being made against your Tour Operator or Travel Agent.

Crisis Management

Crisis Management

Our Crisis Management Insurance provides a professional and comprehensive service that will give your tour operators and travel agents peace of mind in the event of an emergency. Up to £250,000 limit of indemnity.

Employers Liability

Meeting the requirements imposed by Employer's Liability Compulsory Insurance Regulations 1998. We can provide cover with a limit of indemnity up to £10m.

Why Choose Us?

  • We provide our broker partners with direct  access to decision makers  – so you can get an answer quickly
  • We only focus on  specialist and niche sectors  – so we really know our stuff
  • We are  agile  and can adapt to your changing needs – there’s no red tape here
  • We are committed to  helping our broker partners  succeed – after all, what’s good for your business is good for our business
  • We  enjoy speaking to brokers  about the products that we love, and we’re always ready to take your call
  • We know it’s important to look after your customers in the event of a  claim  – so we provide a bespoke claims service for each individual product.

Our Financial Strength

First Underwriting were established in 2018 as a highly specialised and niche underwriting business. Our UK parent company is Kingfisher UK Holdings Limited, who are a UK division of  NSM Insurance Group . NSM Insurance Group are the leading specialist insurance provider in the USA, with over 1m clients and over $1bn in premiums.

We have a long-term agreement and partnership with our underwriting partners Accredited Insurance Europe Limited (AIEL).

AIEL are wholly owned by Randall & Quilter Investment Holdings Ltd. (RQIH); a company domiciled in Bermuda who are listed on the AIM Stock Exchange in London.

A Rated Insurers

AIEL’s credentials:

  • AIEL are rated as A- with a “stable” outlook by A M Best
  • AEIL trade through a UK branch which has been approved by the Prudential Regulatory Authority.
  • RQIH had cash and investments of $1,716 million at 30 June 2021
  • Their underwriting programme is supported by A-rated insurance, provided by some of the largest and most secure insurers and reinsurers in the world
  • All policies underwritten by AEIL are backed by the UK Financial Services Compensation Scheme

Other Products

We have an extensive range of specialist insurance products which are available to our broker partners. First Underwriting continually enhance and develop our product range, in partnership with brokers, to ensure that they are relevant and meet the needs of brokers’ customers. All of our products are underpinned by sustainable pricing coupled with excellent service from experienced underwriters and a first class claims service.

tour operators insurance policy

Privacy Overview

  • Tour Operators Insurance
  • Business Insurance
  • Travel Risk Professional Insurance

For flexible tour operator insurance, call 0203 705 3014

Or email us, looking for tour operator insurance.

Need a tour operator insurance quote?  Let the insurance specialists at Jensten Insurance Brokers compare our markets to find you the cover you need.  Our team can help you with all forms of tour operator cover.  Whether you’re a tour operator or need insurance for a tour company, get your tour operator insurance quote by calling  0203 705 3014  or start your tour operator liability insurance quote today.

For comprehensive tour operator insurance, call 0203 705 3014

What is tour operator insurance.

Tour operator insurance, or tour operator liability insurance as it is also known, is a specialist form of cover designed to meet the needs of tour operators. A typical policy offers travel companies a package of protection that can include public liability insurance , employers’ liability , product liability insurance , and professional indemnity insurance .

tour operators insurance policy

What Does Tour Operator Insurance Cover?

Tour operator insurance can offer a range of protections.  The exact makeup will depend on the policy you take out, but a typical one will include:

  • Public liability insurance – in case a member of the public is injured or their property damaged because of your work
  • Professional indemnity insurance – this protects you and your business against misinterpretation and incorrect information in brochures and advertising material should it lead to legal action from clients
  • Employers’ liability insurance – if you have any employees, then this is a legal requirement
  •   Directors’ and officers’ insurance – protects tour company executives from a range of legal actions should their business cost clients money or their advice cause them loss or harm
  • Cyber insurance – protects against things such as data loss, ransomware, and the accidental infection of a third-party’s IT system
  • Business contents – everything from computers to stocks of brochures and regional guidebooks

Who Needs Tour Operator Insurance ?

Tour operator insurance through Jensten Insurance Brokers is a flexible form of cover that can offer financial protection to the following:

  • Tour operators – including mass market, specialist, and incoming tour operator
  • Travel agents
  • Independent tour operators – including those working in the UK and abroad

Tour guide

How Much Does Tour Operator Insurance Cost?

The cost of your travel operator insurance policy will depend on factors such as:

  • The size of your business
  • The cost of the tours you offer
  • Where you travel to and how you get there
  • The type of clients you are dealing with – teenagers, pensioners, and high-net-worth individuals can present special risks
  • Whether you have any employees
  • Your claims history

For some personalised tour operator insurance help, please get in touch with the Jensten Insurance Brokers team today.  They’ll be able to give you all the advice you need and provide you with a tour operator insurance quote .

 tour operator insurance faq.

This is one of the more complex insurance cover areas, so to help you get the protection you need, here is our tour operator insurance frequently asked questions.  We hope they will help, but if you’d like some independent advice, please call us on 0203 705 3014 , and the team will be happy to help

No, but if you have any employees having employers’ liability insurance is a legal requirement

If anything were to happen to your clients or a member of the public while you’re on tour, your business could be held liable. In July 2018, the rules protecting holidays organised by tour operators were extended to cover customers who booked other forms of combined travel, such as flight plus hotel or hotel plus car rental, as a deal on a website.  These bookings are viewed as a package and are protected by law, so you’re liable for booking errors concerning packages, and as the organiser, you are required to assist travellers in difficulty

That depends on things like the size of your business, where you travel to, whether you have any employees, and how you travel

Getting a quote is easy.  Call Jensten Insurance Brokers on 0115 930 3030, and the team will be happy to arrange a tour operator insurance quote for you

Speak To Our Insurance Specialists About Tour Operator Insurance

If you’d like some tour operator insurance help or a tour operator liability insurance quote , contact the Jensten Insurance Brokers team today.  Our team of experienced specialists can give you all the help you need and can compare our markets to find you the cover you require.  Call  0203 705 3014  or start your tour operator liability insurance quote today.


Service comes first at Jensten Insurance Brokers, and as the following Feefo testimonials show, when it comes to tour operator insurance, we’re the team you can trust with your business.

Feefo reviews 5 gold stars

Exactly what I required without any of the faff and unwanted stuff.  Very, very competitive and a very good price.

Ideal cover for my situation with a reputable company.

Mr. Woodford

Best price by far, documents sent promptly.

Mr. Schofield

It’s such an easy uncomplicated way to insure with these guys and gals and there always happy on the phone.

Mr. Richardson

Again, can’t fault them.  Kyle and the team help us.

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We are completely independent and trade with integrity – which means we always act in your best interest to place your business with an insurer that’s right for you.

We work with a team of experts from medical solicitors, qualified health and safety clinical specialists, accountants and Patient Consultation Technology companies to bring together the best services to robustly protect your organisation from every angle.

We take the time to fully understand the DNA of how your organisation operates by visiting you in person to fully review all the varying exposures within your business and provide guidance, risk management advice and look at any gaps or exposures in cover you may have and implement an insurance solution designed to meet your needs.

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Lloyd’s is proposing to transfer certain EEA insurance policies to Lloyd’s Brussels. The proposed transfer will not change terms and conditions of any policy, except that Lloyd’s Brussels will become the insurer and Data Controller in respect of the transferred policies.

Further information about the proposal (including whether it could affect your pre-transfer position), which policies are transferring, your rights and what you need to do can be found at  www.lloyds.com/brexittransfer

tour operators insurance policy

Small Business Trends

What is business travel insurance.

business travel insurance

Unexpected issues can arise on business trips. If you or your employees regularly travel for meetings, special events, or other business-related tasks, travel insurance may be a worthwhile investment. Read on for a guide about what this type of insurance covers and how it benefits businesses.

What Exactly is Business Travel Insurance?

Business travel insurance is one of the most important types of business insurance for frequent travelers. There are numerous plan types available, so coverage varies. However, it generally covers unexpected issues that arise during trips.

How Does Travel Insurance for Businesses Work?

Corporate travelers often incur unexpected expenses like medical care, evacuation, or lost or damaged belongings. Travel insurance covers many of these costs to keep expenses predictable for businesses. Typically business travel insurance can be purchased when booking a trip or a few weeks before leaving. However, some providers offer annual policies for those who travel frequently.

Why Business Travelers Should Take Out Travel Insurance

Many business travelers incur unexpected costs during trips. Here are some ways travel business insurance benefits users:

  • Reduce financial losses: Even just one serious issue that arises during a trip may lead to major expenses for a business. Insurance may reduce the overall costs for a company by avoiding the need to cover things like medical evacuations or lost equipment.
  • Keep costs predictable: Though travel insurance for business does increase the cost of each trip, it is paid upfront and at a rate that is easy to budget for. This makes planning business expenses easier throughout the year, rather than waiting for unexpected travel issues to arise.
  • Maintain flexibility: Many business travel insurance plans include cancellation coverage. This may allow your business to reschedule trips if something else comes up that is more beneficial.
  • Improve travel safety: Many plan details also cover medical care or evacuation. This can improve the health and safety of your team while traveling.
  • Provide peace of mind: Even if nothing serious does arise, knowing that you have coverage provided can reduce stress and make business travelers more comfortable.

What is Covered by Small Business Travel Insurance?

Insurance for business travelers can vary by plan and provider. However, there are several main categories that are often included.

Trip Cancellation

Trip cancellations that are made within the allotted time period and for a covered reason may be refunded with this type of coverage. For example, if the event you were traveling for gets canceled, you shouldn’t have to worry about covering the fare.

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Medical care.

Medical expenses can really add up, especially during travel. If you or a team member requires emergency medical care or emergency medical evacuation during a trip, this type of coverage should kick in, especially in areas that aren’t covered by traditional medical insurance.


Disruptions like flight cancellations or lost luggage can require extra hotel stays or purchases. Your insurance plan may cover these additional costs, as long as they result from uncontrollable issues like canceled flights.

Business Equipment

If you’re traveling with expensive business equipment, loss or damage may be covered by business traveler’s insurance. For example, if the samples you’re bringing to a trade show are lost by the airline, travel insurance may pay to replace them.

what is business travel insurance

If business travelers need to be evacuated due to an extreme weather event, terror attack, or another uncontrollable issue, many plans cover getting to a safe location.

Read More: how much does business insurance cost

What is Not Covered by a Business Travel Insurance Plan?

Plans vary, but here are common expenses that are generally not included in business traveler’s insurance:

Pre-existing Medical conditions

If a traveler has a known medical condition before the trip, most insurance policies will not cover any complications or medical treatments arising from that condition while traveling.

Known Disasters or Pandemics

If there’s a disaster or pandemic that was known or forecasted before booking the trip, the insurance might not provide coverage. For instance, if a hurricane or viral outbreak was predicted before making travel arrangements, the policy might exclude related cancellations or disruptions.

Missed Flights Due to Personal Errors

what is business travel insurance

If you or your team member misses a flight because of personal mistakes like misreading the flight schedule or arriving late at the airport, the insurance typically will not cover the costs of rebooking or accommodations.

Flights Purchased with Loyalty Points

In most instances, if you’ve booked your travel using frequent flyer miles or loyalty points, the insurance might not reimburse the full monetary value of the ticket. They might, however, offer to reinstate the miles or points.

How Much Does Business Travel Insurance Cost?

The cost of business travel insurance plans varies based on the cost and location of each trip, but many fall around 5 percent of the total trip cost. Certain destinations where medical care or evacuation cost extra may come with added costs, and businesses traveling with expensive equipment may also pay more for policies.

How to Choose the Best Business Trip Travel Insurance

what is business travel insurance

The best business travel insurance varies based on your company’s needs and budget. However, here’s a guide to help you get the most relevant coverage.

  • Consider the type of travel: Domestic and international travel come with different concerns. For example, you may be more concerned about medical coverage for international trips if your medical insurance doesn’t cover care overseas.
  • Add up the number of business trips: If you take multiple trips each year, consider annual travel insurance to avoid paying separately for each trip.
  • Weigh your biggest concerns: If you’re on a tight budget, you may have to choose between coverage for flight delays or lost equipment. Consider what’s most likely to occur or what would cost your company more.
  • Look at coverage limits: Policies have maximum limits on what they’ll reimburse for each category. If you travel with expensive equipment, make sure your policy will actually pay the full amount if it is lost or damaged.
  • Look for 24-hour assistance services: If your provider has an administrative office that is always available to answer questions, you may be more likely to get the coverage you need quickly.

How to Get Travel Insurance for Your Business

what is business travel insurance

If you’re ready to get insurance coverage for your next business trip, here’s how:

  • Book your trip: Most travel insurance is booked for a specific trip. And the cost is calculated based on the arrangements. If you’re looking for annual travel insurance, skip this step.
  • Find a provider: Your business insurer may offer travel insurance, so check with them first. Other major travel insurance providers include Allianz Travel Insurance products, Generali Global Assistance, Nationwide, and The Hartford.
  • Consider coverage options: These providers may offer different types of plans for various expenses like emergency evacuation or trip interruption, so consider your biggest concerns when selecting a plan.
  • Compare quotes: You may also compare providers or plans based on your budget. Tools like TravelInsurance.com make it easy to compare rates.

The Benefits of Business Travel Insurance for Employee Morale

  • Boosting Employee Confidence : Business travel insurance can significantly enhance employee morale and confidence. Knowing they are covered in case of emergencies, employees are likely to be more at ease and focused during their business trips.
  • Supporting Employee Well-being : Travel insurance that covers medical emergencies, evacuations, or disruptions, shows employees that their well-being is a priority for the company. This can lead to increased loyalty and job satisfaction.
  • Encouraging Willingness to Travel : Employees who might be hesitant to travel, especially internationally, may feel more comfortable knowing they have comprehensive insurance coverage. This willingness can open more opportunities for business expansion and networking.
  • Stress Reduction : Travel, especially for business purposes, can be stressful. Insurance that covers unexpected situations like flight cancellations, lost luggage, or medical emergencies can significantly reduce this stress, allowing employees to focus on their work objectives.

Aligning Business Travel Insurance with Company Travel Policies

  • Integrating Insurance with Travel Policies : For maximum effectiveness, business travel insurance should be an integral part of the company’s overall travel policy. This ensures uniformity in coverage for all employees and adherence to the company’s risk management strategies.
  • Customization Based on Travel Patterns : Businesses should customize their travel insurance based on the frequency, nature, and destination of employee travel. For instance, companies with frequent international travel may prioritize policies with extensive medical and evacuation coverage.
  • Policy Awareness and Training : Ensuring that employees are aware of the travel insurance policies and understand how to use them is crucial. Regular training sessions can be conducted to inform employees about the procedure to claim insurance and whom to contact in case of emergencies.
  • Review and Update Policies Regularly : Travel risks and business needs can change over time. Regularly reviewing and updating the travel insurance policy to align with current risks and travel trends is essential for continued protection and relevance.

The Impact of Business Travel Insurance on Company Finances

  • Cost-Benefit Analysis : While business travel insurance comes with a cost, it’s important to conduct a thorough cost-benefit analysis. Compare the potential financial risks of uninsured travel incidents against the insurance premiums to determine if the investment is justified.
  • Financial Protection in Emergencies : Insurance can safeguard the company’s finances against significant unexpected expenses during business travel, such as medical emergencies or legal issues.
  • Budget Planning and Forecasting : Including travel insurance in the annual budgeting process can aid in better financial forecasting and planning. It provides a clearer picture of the total cost of business travel over a year.
  • Long-term Financial Stability : Investing in comprehensive travel insurance can contribute to the long-term financial stability of the company by avoiding sudden financial setbacks due to travel-related incidents.

How Business Travel Insurance Enhances Corporate Responsibility

  • Demonstrating Duty of Care : Providing business travel insurance is a tangible demonstration of a company’s duty of care towards its employees. It shows a commitment to safeguarding their well-being while they represent the company.
  • Aligning with Corporate Ethics and Values : Companies that prioritize the safety and security of their traveling employees through comprehensive travel insurance align with high standards of corporate ethics and values.
  • Building a Responsible Corporate Image : Companies known for taking good care of their employees, especially in situations like business travel, tend to have a positive corporate image. This can be beneficial for brand reputation and employee attraction and retention.
  • Fostering a Culture of Safety and Well-being : By integrating business travel insurance into the company’s policies, businesses foster a culture that values safety and well-being. This culture can extend beyond travel to other aspects of the business, contributing to a healthier and more productive work environment.

Does Travel Insurance Cover Going out of Business?

If an airline, accommodation, or tour company goes out of business after you’ve booked with them, the cost may be covered by travel insurance. However, the business must be a covered supplier through your insurance company.

When Should you Buy Business Travel Insurance?

Purchase business travel insurance as soon as possible after booking a trip. This ensures that changes or cancellations are covered — you cannot get reimbursed if you purchase travel insurance after these changes are made. In most cases, buying insurance at least two weeks before a trip is sufficient.

Read More: best small business insurance companies

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    As a tour operators insurance company, our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs.

  16. Which Tour Operator Insurance Is Right for You?

    Key Coverage Options for Tour Operators. 1. Liability Insurance. Think of general liability insurance as the bedrock of your business protection. It shields you from potential lawsuits or claims made by clients in the event of accidents during a tour. Whether it's bodily injury or property damage, this coverage is your financial safety net ...

  17. Advantages Of Using Travel Insurance Specialists

    A comprehensive travel insurance policy packages together different types of coverage that compensate you for problems that can aris. ... car rental companies and tour operators.

  18. Tour Operator Insurance, Liability Insurance for Travel Agents

    Tour Operator Insurance, Liability Insurance for Travel Agents Travel Agents & Tour Operators Insurance Insurance solutions for tour operators and travel agents. Start your journey with us today. Call us on 0800 062 2028 Connect with an expert Travel agents & tour operators' liability insurance

  19. General Liability Insurance for Tour Operators

    For tour operators, general liability insurance can cover a wide range of risks, such as slip and fall accidents, property damage caused by tour participants, and injuries sustained during activities or excursions. It can also provide coverage for legal expenses and settlements in the event of a lawsuit.

  20. Tour Operators Insurance

    Relax - You're covered! Get a Quote Tour operators insurance FAQs Why do I need tour operators insurance? What happens if there is a crisis during a trip? Why should I get my tour operators insurance from Towergate? What assistance will you provide in the instance of a claim? See our range of cover for trade

  21. Tour Operators' Liability • First Underwriting Ltd

    We continually strive to be innovative and offer tailor-made insurance solutions for tour operators' and travel agents' within the travel industry. Our policies are selected to suit the needs of your clients and are underwritten by our specialist team. As well as handling the cover, we also provide insurance protection for DMCs, bed-banks ...

  22. Tour Operator Insurance

    Tour operator insurance, or tour operator liability insurance as it is also known, is a specialist form of cover designed to meet the needs of tour operators. A typical policy offers travel companies a package of protection that can include public liability insurance , employers' liability , product liability insurance , and professional ...

  23. PDF Tour Operators and Travel Agents Combined Liability Insurance POLICY

    Touchstone Underwriting Tour Operators Liability Policy | 1 Underwritten by Touchstone Underwriting Tour Operators and Travel Agents Combined Liability Insurance Policy THIS POLICY (AND THE SCHEDULE WHICH FORMS AN INTEGRAL PART OF THE POLICY) IS A LEGAL CONTRACT. IT NEEDS TO BE EXAMINED THOROUGHLY TO ENSURE IT MEETS THE POLICYHOLDER'S ...

  24. What is Business Travel Insurance?

    Why Business Travelers Should Take Out Travel Insurance. Many business travelers incur unexpected costs during trips. Here are some ways travel business insurance benefits users:. Reduce financial losses: Even just one serious issue that arises during a trip may lead to major expenses for a business. Insurance may reduce the overall costs for a company by avoiding the need to cover things like ...