Insuranks
Insuranks

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

Table of contents
1. General Liability Insurance for Tour Operators1.1. What Are the Coverage Limits for General Liability Insurance? 1.2. What Add-Ons Should I Take as a Tour Operator for General Liability Insurance?1.3. Is General Liability Insurance Required by Law?2. Professional Liability Insurance for Tour Operators2.1. What Are the Typical Professional Liability Coverage Limits?2.2. What Add-Ons Should I Get for Professional Liability for My Tour Operator Business?3. Public Liability Insurance for Tour Operators3.1. What Are the Public Liability Coverage Limits?4. Commercial Property Insurance for Tour Operators4.1. What Add-Ons Are Recommended for Commercial Property Insurance?4.2. What is a Typical Coverage Limit for Commercial Property Insurance?5. Business Owner’s Policy for Tour Operators5.1. What Add-Ons Are Good to Have for a Business Owner’s Policy?5.2. What is the Coverage Range for Business Owner’s Policy?6. Tools and Equipment Insurance for Tour Operators6.1. What Are the Coverage Limits I Can Expect With Tools and Equipment Insurance?6.2. Do I Need Any Add-Ons for Tools and Equipment Insurance?6.3. Am I Covered for Negligence in Maintaining My Tools?7. Commercial Auto Insurance for Tour Operators7.1. What Are the Coverage Limits for Commercial Auto Insurance?8. Workers’ Compensation Insurance for Tour Operators8.1. Is Workers’ Compensation Legally Required?8.2. Are Independent Contract Workers Included in Workers’ Compensation?9. Financial Failure Insurance for Tour Operators10. Tour Operator Insolvency Insurance11. Travel Insurance for Tour Operators12. Tour Operators Insurance Cost13. Best Tour Operator Insurance Companies13.1. NEXT Tour Operator Insurance 13.1.1. Pros13.1.2. Cons13.2. The Hartford Tour Operator Insurance 13.2.1. Pros13.2.2. Cons13.3. CoverWallet Tour Operator Insurance 13.3.1. Pros13.3.2. Cons13.4. Tivly Tour Operator Insurance 13.4.1. Pros13.4.2. Cons13.5. Thimble Tour Operator Insurance 13.5.1. Pros13.5.2. Cons13.6. Hiscox Tour Operator Insurance 13.6.1. Pros13.6.2. Cons13.7. AON Tour Operator Insurance 13.7.1. Pros13.7.2. Cons

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


CoverWallet NEXT (Best)ThimbleHiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
Deductible$0$0$0$0$0


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


CoverWallet NEXTThimble (Best)HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo
HIPAA coverage included?NoNoNoNoNo
Sexual misconduct coverage included?NoNoNoNoCan be included
License defense coverage included?NoNoNoNoCan be included
Deductible $500$500$500$50/$10,000$500


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


CoverWalletNEXT (Best)ThimbleHiscoxThe 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 signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keys Excluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded


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


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.