Insurance Isn't Optional — For You or Your Clients
A single accident on a tour can cost hundreds of thousands of dollars if you're not properly insured. And clients without travel insurance create enormous liability and stress for operators when things go wrong.
Insurance You Need as an Operator
1. Public Liability Insurance
Covers claims from third parties (clients, bystanders) for injury or property damage. Essential for every operator.
- Coverage: $1-5 million minimum
- Cost: $1,000-5,000/year depending on activities and volume
2. Professional Indemnity Insurance
Covers claims arising from professional advice or service errors — e.g., incorrect visa information, missed bookings, wrong directions.
3. Vehicle Insurance
If you own vehicles: comprehensive coverage, passenger liability, and third-party coverage.
4. Equipment Insurance
For adventure operators: covers loss, damage, or theft of tour equipment.
Client Travel Insurance
At minimum, strongly recommend all clients purchase:
- Trip cancellation/interruption coverage
- Medical expenses and emergency evacuation
- Baggage loss/delay
- Personal liability
Making Insurance Part of Your Process
- Add an insurance requirement to your terms and conditions
- Ask for proof of insurance before departure
- Recommend specific insurance providers you've vetted
- Consider offering group travel insurance as an add-on (you can mark this up 10-20%)