Tour Guide Insurance: Cost & Quotes From $25/mo

Table of contents

As a tour guide, you ensure your customers have a memorable and safe experience. It’s your job to make the time of tourists worthwhile so that they make the most of their money paid to the travel agency

The package assembled by tour operators are costly, you should expect that clients will sue if you perform poorly. That’s why tour guide insurance is essential to protect your business. In this article, we’ll explore the different insurance options for tour guides and their costs.

General Liability Insurance for Tour Guides

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $300,000/$1,000,000 $300,000 $100,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No No Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0


General liability insurance is a policy that provides coverage for third-party bodily injury, property damage, and personal injury claims. This type of tour guide liability insurance will also help if you damage your landlord’s property or commit copyright infringement. 


Coverage Limits of General Liability Insurance for Tour Guides

Most policies cover up to $1 million in damages per occurrence, with a $2 million aggregate limit.


Add-Ons to General Liability Insurance for Tour Guides

  • Equipment coverage–If you use cameras, audio equipment, or other tools during your tours, you can add coverage for them in case they get damaged or stolen

  • Commercial auto coverage–If you use a vehicle for your tours, you can add coverage in case of accidents or damage

Is General Liability Insurance Mandatory?

This tour guide liability insurance is not mandatory in all locations but is highly recommended. Without liability insurance, you may be personally liable for any damages or legal fees that arise from accidents during your tours. Liability insurance can give you peace of mind and protect your business from potential financial losses.


Professional Liability Insurance for Tour Guides 

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No


Professional liability insurance, also known as errors and omissions insurance, is another type of insurance coverage that can benefit tour guides. This insurance protects against claims of negligence or mistakes the tour guide makes while providing their professional services. Professional liability insurance for tour guides can help in situations such as:

  • Misinformation–If a tour guide provides inaccurate information about a location or historical site and a guest is injured or incurs damages, the client may sue to receive compensation

  • Negligence–If a tour guide fails to follow safety protocols or provide proper instructions, resulting in injury or damage to a guest, the guest may sue for negligence

  • Breach of contract–If a tour guide fails to deliver the promised tour experience or is canceled without proper notice, guests may sue for breach of contract

Coverage Limits of Professional Liability Insurance for Tour Guides

Depending on the policy and the insurer, professional liability insurance policies for tour guides typically offer coverage limits ranging from $250,000 to $1 million. 


Add-Ons to Professional Liability Insurance for Tour Guides 

  • Umbrella insurance–This add-on provides additional liability coverage above and beyond the limits of the tour guide’s existing insurance policies.

Do I Need Professional Liability Insurance if I Already Have General Liability Insurance?

While general liability insurance can provide some protection in case of accidents or property damage, it may not cover claims of negligence or mistakes made by the tour guide. Professional liability insurance specifically covers these types of claims, so it may be worth considering in addition to general liability insurance.


Public Liability Insurance for Tour Guides

Public liability insurance is an important coverage option for tour guides who work with members of the public. This insurance can protect against claims of property damage or bodily injury that occur during a tour. Public liability insurance for tour guides can help in situations such as:

  • If a tour guide accidentally damages someone else’s property or causes bodily injury to a guest or third party, the affected party may sue for damages

  • If a tour guide causes damage to a location or venue during a tour, the venue may sue for damages

  • If a guest slips, trips, or falls during a tour and suffers an injury, they may sue for damages

Coverage Limits of Public Liability Insurance for Tour Guides

Tour guide public liability insurance offer coverage limits ranging from $1 million to $5 million.


Do I Need Public Liability Insurance if I Only Offer Walking Tours?

Yes, even if you only offer walking tours, accidents can still happen, resulting in property damage or bodily injury to a guest or third party. Public liability insurance can protect in case of such incidents.

Compare Cheap Tour Guide Insurance Quotes Online

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Commercial Property Insurance for Tour Guides

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


Commercial property insurance is an important type of insurance for tour guides operating their business physically. This insurance for tour guides can help in situations such as:

  • Theft or loss of equipment–Tour guides often rely on specialized equipment such as cameras, audio equipment, and GPS devices. If this equipment is lost or stolen, commercial property insurance can help cover the cost of replacing it

  • Natural disasters–Natural disasters such as floods, fires, and earthquakes can cause significant damage to a tour guide’s equipment and property. Commercial property insurance can help cover the cost of repairing or replacing damaged property

  • Vandalism–Unfortunately, vandalism can occur, and a tour guide’s property and equipment can be targets. In such cases, commercial property insurance can help cover the costs associated with repairing or replacing damaged property

Coverage Limits of  Commercial Property Insurance for Tour Guides

Commercial property insurance for tour guides typically offer coverage limits ranging from $500,000 to $1 million.


Add-Ons to Commercial Property Insurance for Tour Guides

  • Equipment coverage–This add-on covers your tour equipment, including cameras, audio systems, GPS devices, or any specialized gear you use. It protects against theft, loss, or damage to your equipment

  • Goods in transit coverage–If you transport equipment or other goods during your tours, this add-on protects them from damage or theft

Business Owner’s Policy for Tour Guides

CoverWallet Thimble (Best) NEXT  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $2,000,000 $2,000,000 $300,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $500,000 $260,000 $25,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


A business owner’s policy (BOP) is an insurance coverage designed for small businesses. A BOP combines two key coverages–general liability insurance and property insurance–into a single policy. A BOP can help protect your tour guide business in situations such as:

  • Property damage–If your tour guide business accidentally damages someone else’s property, your BOP can help cover repairs or replacement costs

  • Bodily injury–If someone is injured during one of your tours, your BOP can help cover the costs of medical expenses and any legal fees if you are sued

  • Business interruption–If your business is forced to shut down temporarily due to a covered event, your BOP can help cover the loss of income during that time

Coverage Limits of Business Owner’s Policy for Tour Guides 

A BOP for tour guides typically includes general liability coverage with limits ranging from $1 million to $5 million and property insurance with coverage limits based on the value of your business assets.


Add-Ons to Business Owner’s Policy for Tour Guides

  • Environmental liability insurance–If your tours involve outdoor activities or visits to environmentally sensitive areas, this coverage can protect you against claims related to pollution or damage to natural resources

  • Product liability Insurance–If you offer any products as part of your tours, this coverage can protect you against claims related to injuries or damages caused by these products

Tools and Equipment Insurance for Tour Guides

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


As a tour guide, your tools and equipment are essential to a successful tour experience. Whether leading a walking tour or driving a bus, you rely on your equipment to ensure a safe and enjoyable tour for your guests. However, accidents can happen and your tools and equipment can become damaged or stolen. Tools and equipment insurance can help in situations such as:

  • Theft–Tools and equipment insurance can cover the items if the equipment is stolen during a tour

  • Accidental damage–If your equipment is accidentally damaged during a tour, such as dropping your camera or microphone, tools and equipment insurance can cover the repairs or replacement

  • Natural disasters–If your equipment is damaged or lost due to a natural disaster, such as a flood or fire

Coverage Limits of Tools and Equipment Insurance for Tour Guides

Tools and equipment insurance policies typically offer coverage limits ranging from $5,000 to $50,000


Add-Ons to Tools and Equipment Insurance for Tour Guides

  • Business interruption coverage–If your tour guide business experiences a loss of income due to a covered event, such as theft or damage to your equipment, business interruption coverage can provide compensation for lost income during the period of interruption

Commercial Auto Insurance for Tour Guides

As a tour guide, you may use a vehicle to transport guests during a tour. Commercial auto insurance can cover the vehicle used for business purposes, protecting you against financial loss in accidents or damages. Commercial auto insurance can help in the following situations:

  • If you or your employee is involved in an accident while driving a vehicle during a tour, commercial auto insurance can cover damages and injuries caused to other parties

  • Commercial auto insurance can cover repair or replacement costs if your vehicle used for tours is damaged due to an accident, theft, or other covered incidents

  • If the tour guide rents a vehicle for business purposes, commercial auto insurance can provide coverage for accidents and liability claims while driving the rental vehicle

Components of Commercial Auto Insurance for Tour Guides

The components of commercial auto insurance for tour guides include:

  • Auto liability coverage–This covers damages and injuries caused to others in an accident where you or your employee is at fault

  • Collision coverage–Covers damages to your vehicle caused by a collision with another vehicle or object

  • Comprehensive coverage–This covers damages to your vehicle caused by theft, fire, or natural disasters

  • Medical payments coverage–This covers medical expenses for you and your passengers in case of injuries sustained in an accident

Coverage Limits of Commercial Auto Insurance for Tour Guides

Commercial auto insurance policies typically offer coverage limits ranging from $25,000 to $1 million.


Add-Ons to Commercial Auto Insurance for Tour Guides

Commercial auto insurance policies may also offer additional coverage options, such as:

  • Uninsured/underinsured motorist coverage–This coverage protects in case you or your passengers are injured in an accident caused by an uninsured or underinsured driver

  • Hired and non-owned auto liability–If you rent or borrow a vehicle for business purposes, or if an employee uses their personal vehicle for business purposes, this coverage can protect in case of accidents

Will My Personal Auto Insurance Cover Me if I Use My Personal Vehicle for Business Purposes During Tours?

Normally, personal auto insurance policies do not cover vehicles used for business purposes. If you use your personal vehicle for your tour guide business, consider getting commercial auto insurance to ensure you are adequately covered.


A tour guide leading a group on a raft in a river, ensuring their safety and covered by insurance.


Workers Compensation Insurance for Tour Guides

Workers’ compensation insurance is a type of insurance that provides benefits to employees who are injured or become ill due to their work. Workers’ compensation insurance can help in situations such as:

  • Strains or sprains from lifting heavy objects

  • Repetitive motion injuries

  • Illnesses caused by exposure to hazardous materials or substances

  • Motor vehicle accidents while on the job

  • Physical assaults or attacks from tour guests or third parties

Coverage Limits of Workers Compensation Insurance for Tour Guides

The coverage limits for workers’ compensation insurance  may vary depending on the state and the insurer. Generally, this insurance covers medical expenses, lost wages, and rehabilitation costs.


Add-Ons to Workers Compensation Insurance for Tour Guides

Workers’ compensation insurance policies may also offer additional coverage options, such as:

  • Employer’s liability insurance–This coverage can protect if an employee sues the employer for injuries or illnesses sustained while on the job

  • Occupational accident insurance–This coverage can provide benefits for work-related injuries or illnesses not covered under workers’ compensation insurance

Travel Insurance for Tour Guides

Tavel insurance for tour guides typically covers unexpected events that may occur during travel, such as trip cancellations, medical emergencies, lost or stolen luggage, and other travel-related mishaps. This type of insurance is important for you if you frequently travel with groups of people to different locations.


Coverage Limits of Travel Insurance for Tour Guides

Travel insurance policies for tour guides offers up to $10,000 per person and $20,000 per trip in the form of trip cancellation or trip interruption coverage


Can Travel Insurance for Tour Guides Be Purchased per Tour, or Is It an Annual Policy?

Travel insurance for tour guides can typically be purchased on a per-hour basis or an annual policy, depending on the insurer and the needs of the tour guide. It’s important to check with the insurance provider to see what options are available and what coverage is included in each policy.


Do I Need Walking Tour Guide Insurance If You Offer Walking Tours?

Walking tour guide insurance considers walking risks. As a walking tour guide, you may face congested streets which result in property damage or unpredictable weather, and uneven sidewalks which result in body injuries to third parties. With this insurance, you can rest easy if someone is hurt or property is damaged on the tour.

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Tour Guide Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $34 $408 $0-$500
Professional liability insurance $39 $468 $500-$1,000
Commercial property insurance $50 $600 $1,000-$2,000
Business owner’s policy $80 $960 $1,500
Commercial auto insurance $55 $660 $500-$1,000
Tools and equipment insurance $42 $504 $500-$1,000
Workers compensation insurance $88 $1,056 $2,000-$5,000
Travel insurance $45 $540 $1,000-$2,000


The average tour guide insurance cost is $34 per month or $408 per year for a $1 million general liability insurance. Some factors that can impact premiums are:

  • Type of insurance coverage–Different types of insurance coverage, such as general liability, commercial property, and workers’ compensation, have different costs associated with them

  • Level of coverage–The higher the coverage limit, the more expensive the insurance policy

  • Business location–The location of the business can impact the cost of insurance due to varying state regulations and risks associated with the area

  • Business size–The size of the business can impact the insurance cost, as larger businesses may require more coverage and have higher risks

  • Industry-specific risks–Tour guide businesses that offer high-risk activities, such as adventure tours or extreme sports, may have higher insurance costs due to the increased likelihood of accidents

In connection, here’s a table showing the cost of a $1 million general liability insurance from companies you should consider working with:

Cost per Month Cost per Year Best for
NEXT $15 $180 Best overall; Fastest general liability insurance for tour guides
CoverWallet $19 $228 Comparing tour guide insurance quotes online
The Hartford $22 $264 Workers compensation insurance for tour guides
Tivly $26 $312 Comparing tour guide insurance quotes over the phone
Hiscox $28 $336 Tour guide insurance with automatic renewal
Thimble $30 $360 On-demand coverage for tour guides

Compare Cheap Tour Guide Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Tour Guide Insurance Companies

Here are some of the best tour guide 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 Guide Insurance 

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for tour guides

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

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

Cons

  • Some customers have reported difficulty with the claims process.

NEXT offers a variety of insurance options for tour guides. You can buy insurance policies for your business either separately or as part of customized bundles designed for specific industries. 

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

Average cost: $15 per month 

Our rating: 10/10


CoverWallet Tour Guide Insurance

Pros

  • Quick and easy-to-use platform

  • Multiple insurance options

  • Great customer service

Cons

  • Difficulty with the underwriting process

CoverWallet is an internet-based insurance intermediary that enables small business proprietors to receive quotes from multiple insurance companies simultaneously. However, CoverWallet does not function as a direct supplier of business insurance.

Best for: Comparing tour guide insurance quotes online 

Average cost: $19 per month 

Our rating: 10/10


The Hartford Tour Guide Insurance

Pros

  • Extensive experience and expertise in providing insurance coverage for small businesses

  • Personalized customer service and support from dedicated agents

  • Robust coverage options that include general liability, commercial auto, workers’ compensation, and property insurance

Cons

  • Limited add-ons to general liability insurance

For more than 211 years, The Hartford  have been providing individuals and enterprises with the necessary aid and security to pursue their distinctive aspirations, seize opportunities and overcome unforeseen obstacles.

Best for: Workers compensation insurance for tour guides

Average cost: $22 per month 

Our rating: 10/10


Tivly Tour Guide Insurance

Pros

  • Helps to find the most cost-effective insurance policies

  • Offers professional advice and guidance in selecting the appropriate coverage

  • Assists with the insurance claims process

  • Provides personalized customer service

  • Offers the convenience of managing all insurance policies in one place

  • May negotiate better insurance rates on behalf of their clients

Cons

  • You need to call to get a quote

Tivly simplifies purchasing commercial insurance for businesses by assisting small business proprietors and operators in obtaining quotes from preferred insurance companies. The company was founded in Norman, Oklahoma, in 2009. Call now to compare quotes over the phone. 

Best for: Comparing tour guide insurance quotes over the phone

Average cost: $26 per month

Our rating: 8/10


Hiscox Tour Guide Insurance

Pros

  • Highly rated by AM Best and the BBB.

  • They have coverage available in 49 states 

  • Competitive pricing and discounts for bundling multiple policies

Cons

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

Hiscox have over 100 years experience in insurance, protecting businesses of all sizes. The company was founded in 1901 in Bermuda and has since expanded to operate in several countries, including the UK, USA, Europe, and Asia. They offer commercial insurance policies that include public liability insurance and professional indemnity insurance.

Best for: Tour guide insurance with automatic renewal

Average cost: $28 per month

Our rating: 8/10


Thimble Tour Guide Insurance

Pros

  • On-demand coverage options that allow for coverage to be purchased only for the duration of a specific tour or activity

  • Has a high customer satisfaction rating.

  • Provides a mobile app for managing insurance policies and making claims

  • Offers 24/7 customer service and support

Cons

  • You can’t reach customer service by calling 

Thimble is a unique insurance provider offering on-demand tour guides coverage. You can purchase coverage by the hour, day, or month, making it a great option for those who only need insurance for specific events or tours.

Best for: On-demand coverage for tour guides

Average cost: $30 per month

Our rating: 8/10

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