Protection for travel businesses against tourist claims
Helps protect the financial interests of a tour operator or travel agency if an unintentional professional error by the company or its employees causes a tourist a documented loss.
The policy can cover an obligation to compensate a tourist for a documented loss caused by an unintentional professional error when the policy conditions are met.
Protection applies to the company’s financial interests connected with liability when arranging and selling travel.
A person who purchased the tour and suffered a documented loss may be entitled to compensation.
Cover relates to a professional error made without intent by the company or its employees.
The amount is assessed from supporting documents, subject to the sum insured and the policy terms.
Terms and price are calculated individually
Every claim is assessed based on its circumstances, supporting evidence and the individual policy terms.
The claim relates to forming, promoting or selling a tourism product, or to another travel-arrangement activity included in the policy.
An unintentional professional error by the company or its employee caused the tourist a documented loss.
The event occurred during the insurance period and is supported by the relevant court judgment and other evidence.
Cover applies to a tour operator’s or travel agency’s obligation to compensate a tourist for a documented loss caused by an unintentional professional error by the company or its employees, subject to the policy terms.
The amount of the insurance payout is determined by the established loss, the sum insured, the deductible and the other policy terms.
The company forms, promotes or sells a tourism product as part of the activity specified in the policy.
An unintentional act or omission by the company or its employee causes loss to the tourist.
The tourist seeks compensation for damage and provides documents supporting the cause and amount of the loss.
The insurer reviews the circumstances, the court judgment and other evidence before deciding whether the event is insured.
The sum insured, deductible, period, territory, list of travel services and process for documenting the loss are set out in the individual insurance documents.
liability for loss caused to a tourist by an unintentional professional error of the company or its employees
forming, promoting and selling a tourism product by a tour operator, and promoting and selling it by a travel agent
activity expressly included in the policy and carried out lawfully during the insurance period
circumstances and the amount of loss supported by a court judgment and other evidence related to the event
The exact scope of cover is defined by the policy and insurance contract.
circumstances known before cover began, intentional, fraudulent or criminal acts, and work while intoxicated
non-pecuniary damage, fines, penalties, charges and other sanctions
activity without evidence of the right to conduct it, while that right is suspended, or without current mandatory documents
loss to the company’s own property or data, intellectual-property and competition disputes, defamation, force majeure, disasters and government instructions
Check the full list of exclusions in the individual policy terms.
To assess the professional risk, our specialist will clarify the company’s role, travel activity volume, destinations and requested sum insured.
Registration details, experience and role in the travel sector: tour operator, travel agent or another travel-arrangement business.
The tour operator’s licence or the travel agent’s notification and other required documents, together with any current mandatory certificates.
Formation, promotion and sale of tourism products, additional services and the specifics of agreements with tourists.
Number of tours sold, travel geography, tourist profile, partners and sales channels.
The requested sum insured, deductible, policy period, territory and other protection parameters.
Information about previous claims, court disputes and circumstances that may affect the risk.
Submit a request and provide the basic information about your travel activity. We will clarify the rest together.
Complete the form on this page. A specialist will contact you and clarify your needs.
We will need details about the company, services, destinations, tour volume, requested sum insured and claims history.
We will determine the sum insured, deductible, period, territory, price and the process for arranging cover.
The product is designed for tour operators, travel agencies and other businesses that form, promote or sell tourism products or arrange travel. The specific activities are listed in the policy.
Under the wording reviewed, a tour operator forms, promotes and sells a tourism product. A travel agent promotes and sells a tourism product formed by the operator. The policy records the company’s actual role.
It protects the company’s financial interests connected with its obligation to compensate a tourist for a documented loss caused by an unintentional professional error of the company or its employees.
Under the wording reviewed, the beneficiary is the individual who purchased the tour and is entitled to compensation for the loss caused.
It is an event that actually occurred during the insurance period, is provided for by the policy and is supported by the relevant court judgment and other evidence, giving rise to the insurer’s obligation to pay.
It is an act or omission in the insured professional activity, made without intent by the company or its employee and causing loss to a tourist. The circumstances and causal link are supported by documents.
For a tour operator, this may include forming, promoting and selling a tourism product. For a travel agent, it may include promoting and selling it, together with any other travel-arrangement activity expressly listed in the policy.
The standard exclusions include circumstances known before cover began, intentional and fraudulent acts, non-pecuniary damage, fines, activity without evidence of the right to conduct it, loss to the company’s own property, intellectual-property disputes and defamation.
No. The standard wording reviewed excludes claims connected with force majeure, natural disasters, accidents or catastrophes, and mandatory instructions from competent authorities.
The price is calculated individually based on the company’s role and experience, types of services, volume and geography of tours, tourist profile, requested sum insured, deductible, period, territory and claims history.
We will need the company’s details, documents confirming the right to conduct the relevant travel activity, information about services, tour volume and destinations, the requested sum insured and deductible, and claims history.
Notify the insurer by phone or another available method within 48 hours. Send written notice and the documents within five banking days. Do not admit liability, accept obligations or make payments without the insurer’s written consent.
The standard wording lists the insurance contract, the injured party’s claim, corporate documents, court judgments, evidence of expenses incurred to reduce the loss, and other materials concerning the cause and amount of damage. The insurer may request originals and additional documents.
After the event is recognized as insured, an insurance act stating the amount is prepared. Payment is made within fifteen banking days after the act is signed. The policyholder or beneficiary must provide bank details within fifteen days after the event is recognized.
Tell us about your travel activity, and a specialist will help prepare individual terms.
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