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Why do travel agents need insurance?
Your clients are looking to relax and recharge, which means a low tolerance for hassles. Travel agent insurance can cover expenses related to a lawsuit from a cancelled reservation, an injury at your office, a data breach that exposes client information, and other costly incidents.
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With Insureon, travel agents and tour operators can get insurance coverage options the same day they apply for quotes.
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What types of business insurance do travel agents need?
These insurance policies cover the most common risks for travel agents.
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for travel agents to buy general liability coverage and commercial property insurance together.
BEST FOR
- Bodily injuries at your office
- Accidents that damage customer property
- Stolen or damaged business property
General liability insurance
A general liability policy covers basic third-party risks, such as a client who trips on a broken step at your travel agency. Bundle it with commercial property insurance for savings in a BOP.
BEST FOR
- Slip-and-fall accidents
- Customer property damage
- Libel and other advertising injuries
Errors and omissions insurance
E&O insurance covers legal defense costs if a travel agent is sued for unsatisfactory work. It's also referred to as professional liability insurance or professional indemnity insurance.
BEST FOR
- Hotel and flight cancellations
- Professional negligence
- Errors in an itinerary
Workers’ compensation insurance
Most states require workers' comp for travel agencies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal expenses from employee injuries
Commercial auto insurance
Commercial auto insurance covers financial losses when a travel agent's vehicle is involved in an accident. Most states require this coverage for vehicles registered to a business.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Cyber insurance
This policy helps independent travel agents and travel agencies financially survive data breaches and cyberattacks. It's strongly recommended for any small business that stores personal info.
BEST FOR
- Data breach investigations
- Client notification expenses
- Fraud monitoring services
Looking for different coverage? See more policies.
How much does insurance cost for travel agents?
A travel advisor who works independently will pay less for insurance than a larger agency.
Factors that affect travel agent insurance costs during underwriting include:
- Professional services you offer
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits, deductibles, and exclusions
How do I get travel agent insurance?
It's easy to get travel agent business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- Pay for your premium and download a certificate.
Insureon's licensed insurance agents work with top-rated U.S. insurance companies to find the right insurance coverage for your travel industry businesses, whether you work independently or hire employees.
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FAQs about business insurance for travel agents
Take a look at answers to frequently asked questions (FAQs) about travel agent liability insurance and more.
Do travel agents need professional liability insurance?
Yes, professional liability insurance—also called professional indemnity insurance and errors and omissions (E&O) insurance—is one of the most important policies for travel agents. It protects your business if a client claims you made a mistake, gave incorrect advice, or didn’t deliver services as expected.
Travel agents manage bookings, itineraries, and travel protection and requirements, and even small errors can lead to costly claims, such as incorrect reservations or missing important travel information. Professional indemnity insurance helps cover legal fees, settlements, and other related costs.
Many clients, vendors, and host agencies may also require travel agents to carry this coverage. Without it, you may have to pay legal expenses and damages out of pocket, which could be financially harmful for your business.
Do I need travel agency insurance if I work from home?
Yes, travel agents who work from home still face many of the same risks as those working in an office. Your biggest exposure is professional negligence, which can result in costly client claims.
Professional liability coverage can help handle legal fees, settlements, and other expenses if a client claims your services caused them financial loss. These risks exist regardless of where you work, since they’re tied to the services you provide, not your physical location.
Depending on your setup, you may also want other coverage, such as general liability insurance or business personal property coverage to protect your equipment. Having insurance helps protect your finances and ensures your home-based travel business can recover from unexpected claims.
Do travel agencies need insurance if they lead group tours?
Yes, travel agencies that lead group tours should have liability insurance to protect against accidents or injuries that may occur during the trip. If a traveler gets hurt during a guided activity, excursion, or organized event, your agency could be held financially responsible.
General liability coverage is especially important when coordinating group activities and transportation where there is a higher risk of accidents and you could be blamed for bodily injuries or property damage.
Additionally, it is also important to look into an E&O policy, which can protect your agency if a client claims your planning or instructions led to a financial loss or unsafe situation. Having the right coverage helps protect your business and provides peace of mind when organizing and leading group travel experiences.
Would I need extra coverage for travel bloggers or influencer work?
Yes, if you work with travel bloggers or influencers—such as organizing trips, coordinating sponsored travel, or leading hosted experiences—you may need additional insurance coverage.
Even if the blogger, influencer, or brand has their own insurance, your travel business could still be named in a lawsuit if someone is injured or something goes wrong during the trip.
Having your own coverage ensures your business is protected, even when working with partners or clients who have their own.