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Travel Agents

Travel agent insurance protects a travel agency from lawsuits or financial claims from running their daily operations.

Understanding Business Insurance for Travel Agents

Travel agents create travel plans for their clients and assist them in choosing vacation spots and finalizing entertainment plans. In addition to booking transportation and providing lists of hotels and attractions, travel agencies also offer insights like tipping advice, recommendations on food and beverages, or information about the local people and their culture. Travel agents may face claims caused by errors and omissions. For example, if a client was not advised that a trip's cost increases after a specific date, they may blame the agent for not telling them and expect the agent to pay the price difference. Sometimes, genuine errors can occur as well.

In 2021, the market size of the US travel agency sector was approximately 34.64 billion US dollars . Insurance companies can help travel agent businesses grow by managing their risk so that these agencies can focus on their operations.

Business Risks

Travels agents have clients looking to unwind and don't want mishaps to spoil their fun. Their holiday mood causes a zero-threshold for taking a ‘no’ for an answer. If there is a lapse on the travel agent's end, the client will expect things to be made right. Because of an agent's error, the return flight date on the itinerary of a large group is a day later than the date on the airline ticket. As a result, the group misses their flight and must book the return tickets again, incurring additional charges. Hence, the travelers file claims against the travel agent and agency.

There are legal defense costs and settlement expenses related to liability lawsuits, a customer injury at your office, a data breach that exposes client information or professional negligence; these are costly incidents that insurance companies can help you cover.

• Example 1: Travel health insurance provided by a travel agent never gets issued, leaving an ill traveler stuck with the medical bills and medical transport back home.
• Example 2: A travel agent’s scheduling error caused a group of clients to miss their international flight and other connecting flights, causing mental anguish and extra expenses incurred by the stranded travelers.

Recommended Policies

It is essential to understand your business's potential for claims, and purchase the relevant policies:

• General liability insurance
• Property Insurance
• Professional Liability

Workers’ Compensation Insurance

• Cyber insurance

General Liability Insurance

It protects a business against claims for bodily injury and property damage liability from your business operations. The policy pays for legal defense costs and court fees for covered claims. These are reasons that make general liability insurance an essential policy for businesses. It will not cover losses resulting from your professional services as a travel agent. It may also protect against personal and advertising injury, including any harm to another caused by libel, slander, or advertising. However, in most cases, professional service businesses have these claims covered by the professional liability policy.

Example 1: Bodily injury – While the travel agent is explaining the travel itinerary to the client, the client's child bumps a computer monitor, and it falls on his head, causing injuries. The general liability policy would respond.

Example 2: Property Damage – An employee of the travel agency accidentally spills hot coffee on the keyboard of a client’s expensive laptop. The client claims reimbursement for the laptop and the restoration cost of the critical data in it. The agency's general liability insurance will respond to this property damage claim.

Property Insurance-Business Interruption

When unforeseen events like wildfires or hurricanes destroy a business's building, disrupting business operations, the business interruption with extra expense coverage comes into play. The business interruption coverage will replace the revenue stream while the building is rebuilt or the travel agent finds a new location to operate from. Replacement of net operating income allows a business to meet ongoing financial responsibilities.

Example: A travel agency’s storefront is destroyed during a typhoon. It causes the travel agency to close down temporarily. The business interruption and extra expense coverage help the business survive by paying for repairs, loss of income, and temporary or permanent relocation. Without this coverage on a property policy, the agency may never get back on its feet after such a disaster.

Professional Liability Insurance

Travel agents do more than just book airline tickets. They organize trips, make hotel bookings, book excursions to tourist attractions, make dinner reservations, and more. The travel agent can make mistakes, such as incorrect information given here or an employee's poor communication there. That's where professional liability insurance comes in.

Example: A travel agent’s scheduling error caused many clients to miss their international cruise, and no refund was available.

This policy covers employees' medical expenses and a percentage of their lost income if they are unable to return to work because of the accident. Workers’ compensation also provides financial benefits for an employee’s dependents if an on-the-job injury causes death.

Example: An employee close to retirement has a heart attack and dies at a travel agent's office while performing his duties. The workers' compensation policy will pay the statutory benefits required in that state.

Cyber Insurance

A travel agent managing digital data for his clients’ destinations, debit or credit card details, and hotel reservations has cyber exposures. If the client's private data gets comprised via a breach, the business can expect customer liability claims to which this policy would respond.

Example: An employee took his company laptop home and forgot it on the train; it was never recovered. The laptop contained clients' private and payment information on the hard drive. The company had to notify its clients that their personal and banking information was at risk. Though this policy pays for credit monitoring for affected clients, they still filed a lawsuit for damages due to the business’s negligence in protecting their personal information. The legal expenses for client notification, credit monitoring, and court-awarded settlement added up to $400,000.

Comprehensive Insurance Costs

To decide on the right set of insurance to cover a bicycle shop, one must look at a mix of the business's revenue, the number of people it employs, its location, the number of outlets it has, and its claims history. What the store's policies will cost will be a calculation based on these factors.

Who Benefits?

A well-functioning travel agency is ultimately in the best interest of the public, the business establishment, the employees running the agency, and the customers who visit the premises to make purchases. Therefore, a good travel agency insurance program benefits all the stakeholders of the store.

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Travel Agency Insurance

A travel agency needs an insurance policy that includes adequate protection against possible lawsuits due to professional errors, commercial property damage or theft, and much more.

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.

Travel agencies are primarily engaged in acting as agents in selling travel, tour, and accommodation services to the general public and other businesses. Travel agents help their clients find deals, perfect locations, reservations, car rentals, airline tickets, and full-scale travel packages for family vacations, business travel, and conventions. As such, travel agents and travel agencies have various unique risks that must be protected by the right kind of travel agency insurance.

Fortunately, a local independent insurance agent can help you get set up with all the necessary insurance for a travel agency. They'll get you matched to the right coverage fast. Up first, though, here's a closer look at travel agency insurance coverage and why it's important.

What Is Travel Agency Insurance?

Basically, travel agency insurance is just a specific form of business insurance customized to meet the needs of this industry. Insurance for a travel agency considers the unique risks that come along with the trade, including possible lawsuits, theft of company property, and more. Without this coverage, your travel agency could be left in a poor financial position after just one major incident.

Why Do You Need Travel Agency Insurance? 

Insurance for a travel agency is critical because it can provide reimbursement after a hefty loss due to a number of possible disasters. Owners of travel agencies have to consider the impact the following risks could have on their business: 

• Third-party injuries on the premises, such as slips and falls
• Commercial property damage or loss due to hail, fire, smoke, theft, or vandalism 
• Employee injuries
• Professional negligence resulting in a lawsuit
• Damage to a client’s property

An independent insurance agent can help you find a comprehensive policy from a travel insurance agency near you.

What Does Travel Agency Insurance Cover?

A complete travel agency insurance package most often includes several forms of protection for your business. Together with your independent insurance agent, you'll likely choose between some or all of the following types of coverage for your travel agency:

• Commercial general liability insurance: This covers possible lawsuit expenses if your business gets sued by a third party for claims of personal property damage or bodily injury caused by your travel agency.
• Commercial property insurance: This covers incidents of damage, destruction, or loss of company property, like equipment, inventory, buildings, etc., due to theft, vandalism, fire damage, lightning, and more.
• Cyber liability insurance:  This provides coverage for expenses related to data breaches or cyber-attacks that expose any sensitive or private data, records, or information your business stores, such as personal information about customers.
• Commercial umbrella insurance:  This provides excess liability protection that extends the limits on your existing policies in case of a major lawsuit. Your liability coverage can be extended to a limit of $1 million or greater.
• Workers’ compensation insurance:  This pays for lost income and medical expenses for employees who get injured or ill due to their job duties or workplace.
• Computers and media coverage: Also called electronic data processing insurance, this pays for lost data and related lost income if your computers or network are damaged by theft, vandalism, viruses, or malware. It may also pay for loss of data or software and physical damage to computers or hardware.

An independent insurance agent can help you select the right types of protection for your unique travel agency.

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Why Travel Agencies Need Professional Liability Insurance 

It’s a simple fact that mistakes can happen, no matter how careful or professional you or your business are. If you make an error while planning a client’s vacation or a business trip, it may cause emotional or financial harm to them, and you could be sued as a result. 

That's what makes travel agency liability insurance critical. Having the right professional liability insurance , also known as errors and omissions insurance, can help you financially recover after third-party claims of errors, omissions, or oversights in the professional services your travel agency provides. This coverage protects you, your employees, and your firm if you are sued for professional negligence.

For travel agencies, professional liability insurance covers claims related to: 

• Work mistakes such as scheduling errors for customer trips
• Undelivered services
• Professional negligence

Even if a claim against your travel agency is unfounded, you still have to defend yourself if you get sued, and without the proper coverage, your business's assets could be at risk. A professional liability policy can pay for your legal defense, including attorney fees, court expenses, and any settlements or judgments you must pay. 

How Much Does Travel Agency Insurance Cost? 

The cost of travel agency insurance can depend on several factors, including the size of your business and the types of policies you need to cover all of your unique risks. Other factors, including your business's annual revenue, location, etc., can also impact the cost of your policy. A local independent insurance agent can help you find the most affordable travel agency insurance near you.

The Benefits of Working with an Independent Insurance Agent

An independent insurance agent can work with you to determine the types and amounts of coverage you need to protect your travel agency from a variety of possible costly problems. Your independent insurance agent can get quotes from multiple travel insurance agencies so you can evaluate your options and make the best choice. Ultimately, they'll present you with only the quotes that represent policies offering the best blend of coverage and cost.

Travel Agents Insurance: WHY You Need It

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Business Insurance for Travel Agents 

Whether your business is a full-service travel agency or you are an independent travel agent or tour operator, you are going to need insurance to cover your commercial risks. Let’s be honest—disasters and accidents happen every day to anyone, no matter how careful they are. You want to be protected. So what coverage do you need for your travel agent business? 

Why Travel Agents Need Professional Liability Insurance

Professional liability insurance—also known as errors and omissions insurance, professional indemnity insurance, or E&O insurance—covers professional errors you may make or are accused of. This insurance policy includes coverage for things like:

• Inaccurate advice
• Misrepresentation
• Professional errors and mistakes

Even if you don't actually make a mistake, it doesn't mean an unhappy client can't sue you. Professional liability insurance protects you from any lawsuits initiated by a customer. Your insurance company will provide you with a lawyer, cover legal fees, and pay any necessary settlements if you're sued.

Why Do You Need E&O Insurance?

Tour operators, travel agents, independent contractors, and anyone who offers services in the travel industry can and will make mistakes. Here are some common mistakes we see that can be a covered claim:

• Example #1 : You book flights for your clients but the return flight is for the wrong day. They're forced to book a different flight and claim you have the legal liability to refund them.
• Example #2: You accidentally book the wrong cruise line for a client, costing them thousands of dollars in non-refundable expenses. Your client sues you for their monetary loss. Because they can prove you made a mistake in your professional services, you're liable for the lost money. But because you have errors and omissions coverage, your insurance company will cover your defense costs and the settlement.

Travel agent errors can be costly. Even if the alleged errors aren't intentional acts and you otherwise provided excellent service, a single claim can wipe your savings. We can help you find the right insurance company for your small business.

Consider a Business Owners Policy

A business owner's policy (BOP) is a flexible kind of insurance that is tailored to the needs of travel agents or travel agencies. Insurance companies typically offer a BOP that includes general liability insurance, commercial property insurance, and business interruption insurance.

General Liability Insurance

Why would your business need general liability coverage?

Let's say a woman comes to your travel agency and books a 14-day Cunard trip to St. Petersburg and the Baltic for four, for a grand total of $43,196. You are overjoyed—and so is the woman. As she pushes her chair back and stands up to go, she trips and falls. She lies on the ground, unable to move, her sobs muffled by the carpet. You quickly call 911 and the ambulance arrives shortly after—the EMTs carefully put her on a backboard.

This simple accident could cost you thousands of dollars—far more than she spent on her cruise. Luckily, you purchased general liability insurance which will cover her medical payments, ambulance, and hospital costs. This coverage will also pay legal fees for the bodily injury and personal injury if she chooses to sue you and your business. 

General liability also includes coverage for personal and advertising injury if you're accused of libel or slander.

Commercial Property Insurance

The policy covers physical business assets such as your office building from covered perils such as a fire, natural disaster, vandalism, or theft. Your insurance company will help you pay to repair any property damage or replace destroyed property.

Business Interruption Insurance

If a natural disaster strikes or an electrical surge wipes out your building's furnace or air conditioning and you’re forced to temporarily close— Business Interruption Insurance  comes in handy. It helps provide coverage for employee payroll and profit you would’ve otherwise earned. 

Other Insurance Options for Travel Agents

A business owner's policy is great coverage for most travel agents. What other insurance coverage should you consider to protect your business?

Workers’ Compensation

Workers' compensation is required by law in all states but Texas, though the state holds the employer responsible for job-related injuries. Workers' compensation pays for medications, medical treatment, and lost wages if an employee becomes injured or ill due to a job-related exposure.

If the injury results in the employee's death, most insurance providers will pay standard death benefits to the employee’s family. If the employee is no longer able to work in their current position, workers' comp insurance will pay for retraining for a new career. It will also pay for your legal defense if the employee claims you or the company was at fault for their bodily injury.

Commercial Auto Insurance

If you have a company vehicle, you may want to consider commercial auto insurance. It will protect you or your company if the accident occurred while it was being used for work purposes. This will also include coverage for rental vehicles. 

Cyber Liability Insurance

Travel agents handle sensitive customer information—name, address, passport information, payment information, and more. If your website is hacked, cyber liability insurance will notify customers, cover the cost of credit monitoring, and cover legal fees and fines. 

How Much Does Insurance Cost?

Insurance for travel agents can be affordable. An errors and omissions policy can cost as little as $150 annually and the price will rise from there depending on your particular business. Some factors that impact the cost include:

• How long you've been in business
• Whether or not you have a history of claims
• The number of employees you hire
• The level of protection you desire

The type of insurance you purchase and the amount of protection you need will vary. Our best advice includes talking with a professional agent to help you determine what you need.

Get a Free Quote for Travel Agent Insurance

Our goal at Tivly is to help medium and small travel agent businesses manage risk by finding travel insurance quotes at a reasonable price. To get a free quote, complete the form at the top of the page or give us a call at 877-907-5267 .

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Table of Contents

What is business travel insurance?

Why should business travelers get a business travel insurance policy, does travel insurance cover business trips, what is business travel accident insurance, do credit cards offer business travel insurance, business travel insurance, recapped.

Imagine the following scenarios. You’re meeting potential clients in their city in the morning, but your checked back, including your suit, didn’t make it. You’re giving a presentation, but some equipment has been stolen out of the hotel conference room. You got food poisoning from a restaurant where you had a business lunch and now require medical attention.

When going on the road for business, the last thing you want is to worry about these types of situations.

Business travel insurance provides coverage for the trips you take as part of your business or for a company that employs you. Knowing that some things don’t always go as planned during travel, you might find yourself benefitting from a business travel insurance policy.

Just like personal trip insurance , business travel insurance covers the unexpected during a business trip. A business travel insurance policy can help get reimbursements for travel expenses caused by trip delay and interruption , baggage delay, business equipment theft, emergency medical care, emergency medical evacuation and collision damage insurance for a rental car.

Depending on how often you travel, it's possible to get an annual insurance plan that will cover multiple trips or insure select travel on a trip-by-trip basis. An annual travel insurance plan is more cost-effective, but it might have lower limits than a single-trip policy.

The short answer is because you can never predict anything. The long answer is that it’s good for the following:

Reducing out-of-pocket expenses: One thing gone wrong, and you’re on the hook for unforeseen travel expenses. For example, medical evacuation can cost tens of thousands of dollars, so it’s important to keep those potential financial losses at bay when possible.

Increasing existing coverage: If you have a personal medical insurance plan, it’s important to note that most private insurance providers don’t provide medical coverage abroad. A credit card with travel protections can be a good start, but these benefits typically offer lower coverage limits.

Providing peace of mind: Having insurance can take some of the anxiety out of traveling. Even if the business trip is going according to plan, you'll know that you have safety nets in place should anything go awry.

» Learn more: How to find the best travel insurance

It depends. Some corporations offer travel insurance plans for their employees on the road. You should double-check with the human resources manager of your company as to whether business trips are covered.

It gets tricky if you’re an independent contractor or a freelancer since you don’t have a corporation behind you. As a sole proprietor, make sure to consult with your insurance provider, but be aware that a personal travel insurance policy might not cover business travel.

Instead, we recommend looking into business travel insurance that will cover your personal trips as well.

For example, the annual AllTrips Executive insurance plan from Allianz covers all trips for the year — personal and business — for a one-time fee. This becomes especially handy when you decide to mix business with pleasure and extend a work trip by adding on a few vacation days.

This policy covers trip emergency medical coverage for up to $50,000 and emergency medical transportation for up to $250,000. Travel delay is covered up to $1,600 and baggage loss or delay is covered up to $1,000 each.

An important feature offered by the AllTrips Executive plan is business equipment coverage. If it’s lost, stolen or delayed by the airline, equipment rental or replacement will be covered up to $1,000 each.

AIG Travel Guard , IMG Global and Zurich all offer business travel insurance, too.

Business travel accident insurance covers you in the event of the unthinkable — death or dismemberment. If it sounds like life insurance, it’s because it provides similar coverage but for when you’re traveling on a common carrier, such as an aircraft, a train, a bus or a cruise ship.

If you or someone in your family holds a life insurance policy for you, business travel accident insurance is going to pay out on top of it.

Some travel rewards credit cards offer travel coverage , but it isn’t always on par with a dedicated business travel insurance plan.

For example, the Ink Business Preferred® Credit Card and the United℠ Business Card offer primary auto rental collision damage waiver on cars rented for business purposes. To receive coverage up to the cash value of the car, you must decline the rental company’s own collision damage insurance and pay for the rental with one of these credit cards.

Note that trip cancellation and trip interruption are covered up to $5,000 with the Ink Business Preferred® Credit Card , but trip delay maxes out at $500. Although the United℠ Business Card comes with the same trip delay coverage limit, trip cancellation and trip interruption top out at up to $1,500 per ticket. Baggage delay is limited to $100 per day under both cards’ coverage.

The Business Platinum Card® from American Express offers the same secondary coverage for trip interruptions and trip cancellations: up to $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. For trip delay, the card covers up to $500 per covered trip up to two times per 12 consecutive month period. Terms apply.

Although some insurance coverage offered by your travel rewards credit card is good to have, as you can see above, the coverage limits are typically lower than if you were to buy an annual policy or a single-trip business travel insurance policy.

Credit cards also offer common carrier travel accident insurance and cover costs in case of accidental death and dismemberment. In this case, the first two of the aforementioned cards include coverage for up to $500,000, which is higher than what some annual or single-trip business travel insurance policies usually cover.

» Learn more: The best travel credit cards right now

Business travel accident insurance covers costs accrued in the course of business travel related to medical emergencies, accidental death and dismemberment and emergency evacuations. Specific coverage will vary by insurer.

Given that business travel is typically undertaken with specific business goals in mind and requires companies to take on overhead, travel insurance is likely worth the fraction of trip expenses that it costs to ensure that a company doesn't lose both cash and opportunity at the same time should things not go as planned.

Business travel insurance costs will vary based on the destination, duration of the trip, age of the traveler and the amount of money spent on the trip, among other factors. Some insurers offer annual plans, while others provide coverage on a trip-by-trip basis.

While specific coverage will vary from insurer to insurer, a business travel accident policy typically covers expenses related to medical incidents that occur in the course of the covered business travel.

If you have a personal travel insurance policy, check the terms to see how much applies to business travel. If none, consider purchasing an annual insurance plan for frequent business trips or a single-trip policy for occasional business travel and check with your company to see if the cost of the travel insurance is something you can expense.

Remember that some credit cards offer travel insurance for your business, but note the low payout limits if you choose not to purchase additional coverage.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

• Business Insurance

Travel Agency Business Insurance

Last Updated: May 31, 2024, 7:06 am by TRUiC Team

Getting business insurance for your travel agency is essential.

Travel agencies need to be protected against claims involving things that could reasonably occur and cause them significant financial damage, such as employment or contract law-related disputes and professional negligence. 

For example, an employee happens to get injured while on the job and requires medical leave, or a client claims an agent caused them unnecessary financial loss from a vacation.

We’ll help you find the most personalized and affordable coverage for your unique business.

Recommended: Next Insurance is dedicated to matching small businesses with the right policy at the best price.

Best Insurance for a Travel Agency

General liability insurance is — generally speaking — one of the most important insurance policies for travel agencies. 

Some of the risks general liability insurance covers are:

• Bodily injury
• Property damage
• Medical payments
• Legal defense and judgment
• Personal and advertising injury

Having said that, it is important to remember that not all travel agencies will be fully covered by a general liability policy.

This means that, depending on your agency's unique risks, it may be a good idea to consider purchasing additional coverage, such as 

• Commercial auto
• Workers’ compensation
• Business income

You will also need to decide what coverage provider you will work with; there are two different types available for small business owners: 

• Traditional brick-and-mortar insurers (e.g., The Hartford, CNA, etc.). 
• Online insurers (e.g., Next Insurance, Tivly, etc.). 

We recommend going with an online insurer because they are generally significantly more affordable and time-efficient due to the lower overhead involved.

Let's Find the Coverage You Need

The best insurers design exactly the coverage you need at the most affordable price.

Cost of General Liability Insurance

The average travel agency in America spends between $350-$700 per year for $1 million in general liability coverage.

Compare the average cost of general liability insurance for a travel agency to other professional industries using the graph below.

Several factors will determine the price of your policy. These include your:

• Number of employees
• Per-occurrence limit
• General aggregate limit

You may be able to acquire general liability insurance at a discounted rate by purchasing it as part of a business owner’s policy (BOP) rather than as a standalone policy.

A BOP is a more comprehensive solution that includes multiple forms of coverage, such as business interruption and property insurance.

Find the Best Rate

Discover the best coverage at the lowest rate in our low-cost business insurance review .

Common Situations That General Liability Insurance May Cover for a Travel Agency

Example 1: An employee in your agency often tells customers horror stories about trips gone wrong that were scheduled through another local travel agency. He doesn’t use the agency’s name specifically, but word gets around to the other business, which sues your agency for slander. In a case like this one, general liability insurance would likely cover either a settlement or a court-ordered damage estimate owed to the other agency.

Example 2: Backing out of your parking spot after a long day, you fail to check your rear-view mirror and T-bone another car as it passes behind you. The other car’s driver-side door is crushed. The accident occurs on your business’ property, which means that general liability insurance would probably cover some amount of damage to the other driver’s car, as well as any medical payments for which a court found you liable.

Example 3: As you go over itinerary details with a customer in your office, her young child unplugs a computer monitor and pulls it off a desk and onto his head, causing injuries that require medical attention. If found liable, you could probably count on general liability insurance to cover medical expenses or any settlement reached.

Other Types of Coverage Travel Agencies Need

While general liability is the most important type of insurance to have, there are several other forms of coverage you should be aware of. Below are some of the most common types of coverage :

Business Interruption Insurance

In the event that your storefront is destroyed or severely damaged, usually through forces like fire or tornadoes, business interruption insurance can help your travel agency get back on its feet. This policy covers estimated losses in revenue during a temporary period of commercial inactivity. Additionally, if your business requires a temporary relocation, this policy may cover the expenses accrued from the move. Business interruption insurance can keep your travel agency alive and kicking as it recovers from a major disaster.

Professional Liability Insurance

Travel agents don’t simply book flights and cruises. They can organize and book lodging, tourist activities, and more. A travel agent is not immune to error though. Scheduling errors, bad advice, or poor communication can result in negative customer experience.

While many trips are intended to be relaxing vacations, a travel agent can be found liable in the event that their advice or trip management results in damages to the customer. Keep your agency and your employees covered with professional liability insurance, which will cover workers who accidentally ruin business travelers’ trips or cause injury through poor advice.

Workers' Compensation Insurance

A growing company’s needs will include more agents to handle an increase in customers. Once you employ part-time or full-time workers, it is legally required to carry workers’ compensation insurance. These policies typically include disability and death benefits in the event that an employee is injured or killed at work.

Data Breach Insurance

Much of the modern travel agent’s work includes digital data entry, including customer itineraries, destinations, hotels, and debit or credit card info. In the event that your devices or network are breached, your business could be found liable and be required to compensate for customer losses of any kind. Hackers and online scammers continue finding cleverer methods of digital theft, and data breach insurance can protect your company from damaging legal action.

Additional Steps To Protect Your Business

Although it’s easy (and essential) to invest in business insurance, it shouldn’t be your only defense.

Here are several things you can do to better protect your travel agency:

• Use legally robust contracts and other business documents. (We offer free templates for some of the most common legal forms .)
• Set up an LLC or corporation to protect your personal assets. (Visit our step-by-step guides to learn how to form an LLC or corporation in your state.)
• Stay up to date with business licensing .
• Maintain your corporate veil .

Travel Agency Business Insurance FAQ

Can i buy business insurance online for my travel agency.

Yes, absolutely. You will need to first get a quote from an online business insurance provider like Next Insurance . Next allows you to then purchase a policy immediately and your coverage will be active within 48 hours.

What is included in a business owner’s policy?

A typical business owner’s policy includes general liability , business interruption, and commercial property insurance . However, BOPs are often customizable, so your agent may recommend adding professional liability , commercial auto , or other types of coverage to your package depending on your company’s needs.

What is the difference between business insurance and general liability insurance?

" Business insurance " is a generic term used to describe many different types of coverage a business may need. General liability insurance , on the other hand, is a specific type of coverage that business owners need to protect their assets.

Do I need insurance before I start a travel agency?

Yes, you do. 

Since you will not be able to accurately predict when your agency will need business insurance , we generally recommend acquiring it before you begin interacting with your clients. 

All in all, this can end up saving you thousands of dollars in the long term.

Will insurance protect my travel agency from everything?

Not necessarily. Certain exceptions may be written directly into your travel agency insurance policy , and some perils may be entirely uninsurable.

Do I need business insurance if I already have an LLC?

Yes, an LLC is meant to create a legal barrier between your business and your personal assets and credit. If you haven’t formed an LLC yet, use our Form an LLC guide to get started.

An LLC doesn’t protect your business assets from lawsuits and liability– that’s where business insurance comes in. Business insurance helps protect your business from liability and risk.

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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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• 6 Things No One Will Tell You About Being a Travel Agent

Written by: KHM Staff on September 12, 2024

 We happen to think that being a travel agent is one of the most rewarding paths you can take! However, it’s as much a lifestyle as it is a job. Clients can be demanding, and in such a rapidly-changing industry, it’s important for you, as an agent, to be adaptable as well!

As a host travel agency , we want the agents that partner with us to have an honest, clear picture of what to expect. Before launching your own travel business, read over these six things you might not have heard about being a travel agent :

1. The job is pretty much 24/7.

As an independent travel agent, you can set your own hours. Many KHM Travel Group agents work on their businesses part-time to supplement their income, and then gradually build up to full time. Of course, many of them have other jobs. While you aren’t researching or booking travel 24/7, when clients are traveling there’s always the potential for the 2 AM emergency call or email . Being responsive is part of having stellar customer service.

2. You will also have to be your own salesperson – especially in the beginning.

Travel agents get paid on commission, so you only earn if you sell. While this may terrify some prospective agents, being a salesperson doesn’t necessarily mean making cold calls and throwing your business card at every new acquaintance. Rely on your strengths, whether that be your networking skills , your established connections in the community or your social media savvy, to promote yourself.

3. Education is essential.

There’s no official degree or test you have to pass to legally be able to sell travel. Having a basic knowledge of geography and a desire to learn about the world are definitely helpful to start off, but most KHM Travel Agents have no previous experience as travel professionals. That being said, new travel agents must be willing to invest in their education if they are serious about growing their businesses. Knowledge truly is power for travel agents.

4. Learning how to sell travel is like learning a new language.

Or rather, multiple new languages. KHM Travel Agents work with suppliers directly to book their travel, and becoming familiar with each supplier’s products, booking engines, and policies is one of the first things a new agent should focus on. Between airport codes, fare categories and other travel agent lingo, there’s a lot to learn. Watch our How to Talk Like a Travel Agent video for some tips!

5. You need insurance to protect yourself and your business.

Travel agents are liable for mistakes they make when booking travel for their clients. Say you book the incorrect flight time for your client, and then end up missing an important event or appointment. If they decide to take you to court, the expenses could get costly. Errors and Omission Insurance is a must for every travel agent, which is why our   $2 million professional E & O policy is included in all of our agents’ memberships. Our Compliance and Resolution team is a great resource for our agents too!

6. Once you start selling travel, your own vacations will never be the same!

As a travel agent, you hopefully love to travel! Once you start taking trips as an agent, whether they be FAMs or your personal vacations, you’ll find it almost impossible to completely remove your travel agent hat . You’ll always be thinking about how you could sell an experience or product to clients, or what first-hand advice to pass along to them.

Are you curious about the other benefits of being a travel agent?

Request our free Travel Agent Information Guide to find out why it’s one of the fastest-growing professions and how KHM Travel Group can help you get started from home.

We are also available by phone at 888-611-1220 if you’d like to chat with a member of our team.

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Aaa acquires the jones & doldo insurance agency of watertown.

Sep. 9—WATERTOWN — AAA Western and Central New York announced Monday that it has acquired The Jones and Doldo Insurance Agency and will consolidate it into its Watertown Travel and Insurance Center at its branch at 19472 Route 11.

The Jones & Doldo Agency was founded in 1963 and passed down in 1977 to John Doldo III, who owned the business until the consolidation. Jones & Doldo was a founding member of the Spectrum Empire insurance cluster which represents 38 other insurance agencies throughout New York state.

"We're excited about this investment in the Watertown community," AAA Western and Central New York President and CEO Tony Spada said in a statement. "We continually look to acquire insurance agencies as part of our strategic plan, and we are thrilled that we were able to create jobs and expand our Watertown location while also furthering our commitment to members and policyholders."

All employees from Jones & Doldo are now servicing their clients from AAA's Watertown location. The company said the strategic acquisition enhances AAA Insurance's portfolio, bringing valuable commercial expertise to customers and underscores AAA Insurance's commitment to expanding its service offerings and delivering comprehensive insurance solutions to businesses of all sizes.

James Miller, senior vice president of sales and operations at AAA Western and Central New York, said in the company's statement that by integrating The Jones & Doldo Agency's specialized knowledge and experience in commercial insurance, specifically in Watertown, AAA Insurance is poised to provide even more tailored and robust coverage options to AAA customers in the region.

"We're providing clients of both AAA Insurance and The Jones & Doldo Agency with a seamless transition and uninterrupted service with continued access to the exceptional coverage and support they have come to rely on," Miller said. "This acquisition reaffirms our dedication to protecting what matters most to our customers, now with expanded services across the region and a suite of products designed to meet the evolving needs of individuals and businesses."

Jones & Doldo's client base was a mix of property and casualty (P&C) and commercial insurance with most of its customers in a 50-mile radius of Watertown, according to AAA.

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These agents were specifically targeting vulnerable job seekers, especially youths, with the promise of lucrative overseas jobs.

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Trans-Siberian Railway Prices

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Home » Prices and Trans-Siberian Tickets » Trans-Siberian Railway Prices

Ticket prices for the Trans-Siberian Railway also depend on the current ruble exchange rate.

Is the Trans-Siberian Railway expensive?

Before starting on your Trans-Siberian Railway adventure you naturally want to know what the entire trip will cost. Although this sounds like a simple question, it is pretty difficult to answer. The Trans-Siberian Railway price of travel depends on the following factors:

• Which travel class do I want to use? The price for a first class ticket is about three times the price of a 3rd class ticket
• Am I willing to buy the tickets myself and assume responsibility for the organisation of the trip?
• How many stopovers do I want to make? The more breaks, the higher the total price.
• What sort of accommodation do I want? Will it be a luxury hotel or will a hostel dormitory be sufficient?
• What tours and excursions would I like to go on?
• What is the current exchange rate for rubles?

Basically, everything from a luxury to a budget holiday is available. If you buy yourself a 3rd Class nonstop ticket at the counter, a few hundred Euros will cover the price. All you will experience is a week on the Trans-Siberian train and will see nothing of the cities on the way. There is, however, any amount of room for upward expansion. Everyone makes different choices about which aspects they are willing to spend money on. I personally prefer to save money on accommodation and railcar class, visit as many cities and do as many trips as possible. To enable better classification of your travel expenses I have contrasted two typical traveler types. In the third column you can calculate the total cost of your own journey on the Trans-Siberian Railway. Please keep in mind that these are only rough estimations and not exact prices.

The all-in costs seem fairly high at first. However, they cover everything and it is quite a long journey taking four weeks. Many people forget to consider that when looking at the list. We should also deduct the running costs for food and leisure at home. I think most visitors to this page will classify themselves somewhere between the two categories, that is around the € 2,000 – € 2,500 range. When comparing these prices with other travel packages, you get the impression that it is hardly worthwhile travelling individually on the Trans-Siberian Railway. Please keep in mind that most packages last no more than 14 days and you are herded like cattle through the most beautiful locations.

If you spend less time on the Trans-Siberian Railway you will, of course, pay less. I chose this particular travel length because I prefer not to do things by halves. If you fulfill your dream of travelling on the Trans-Siberian Railway, enjoy it and don’t rush things. But it’s up to you, of course. Try playing around with the form a bit to find the appropriate price for your trip.

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