insurance for tour guides uk

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Tour guide insurance, your business is everything. we'll help keep it secure..

Tour Guide Liability Insurance

Tour Guide insurance will often be required by your clients. Liability insurance not only gives you peace of mind but will also give your customers theirs.

By not having insurance for Tour Guide, in the event of a loss or injury that is in connection with your business you may be liability to pay huge sums of legals fees and compensation.

We understand that every business is unique. That's why if you are unable to find what you are looking for online, or just want to talk your options through, we have an in-house UK based team that specialise in insurance for Tour Guide.

Instant access to your documents

Up to £10 million public liability, over 15 years experience, we work with some of the worlds leading insurers, so you know you are getting the best cover around..

What people are saying

Peter stevens.

Exactly what I required for my business at a very competitive price.

Jayne Drinkwater

Prompt response. Good understanding of requirements. Excellent service.

Luke Sheppard

Great service helpful and a quick response to taking out public liability insurance.

Reviews are provided by Feefo, a third party ratings and review service.

Liability Insurance - Exactly what I required for my business at a very competitive price.

Frequently asked questions

Can i get instant cover for my business.

Cover is effective immediately from the date selected, subject to accurate information being supplied during the quote.

How long are your quotes valid for?

Quotes are valid for 30 days. After this time a new rate will apply but you will not need to re-enter your details.

How can I be sure you site is secure?

Our sites are protected by SSL encryption. This applies when you go in to one of our quotes systems where confidential personal data is stored.

When will I be charged for my policy?

Payments made by by credit or debit card are charged when you submit your details. Payments made by direct debit will be in accordance with your direct debit mandate.

If you still need help head over and View our FAQ page

Get Tour Guide Insurance.

Have you already got a quote with us? No worries, just enter your reference number and email address to recall your quote.

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• Public Liability Insurance
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Towergate together with our parent company The Ardonagh Group are deeply saddened to hear of the death of Her Majesty the Queen. She is remembered by our colleagues and worldwide as a beacon of duty, wisdom and service.

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Tour Operators Insurance

Bespoke insurance tour operators

• We hold ABTA partner plus
• Specialist cover solutions to suit your business
• UK-based support

Call us on 01932 334 140  or get a quote online

One of the UK's leading independent insurance brokers

Overall service rating 4.6 / 5

Based on 4341 customer reviews

Why choose tour operators insurance with Towergate?

Expert tour and travel operator brokers.

One of the UK’s largest placing brokers of tour and travel agents, combined liability insurance packages

Competitive tour operate quotes

Preferred status amongst the majority of the market ensures your quote is competitive

Policies to fit your requirements

Ability to ensure the tour operators insurance policy fits your business and complies with your package travel regulation requirements

Pay for tour operators insurance by Direct Debit

You can split your payments into instalments

About tour operators insurance

What does public liability insurance cover, public/products liability insurance for tour operators.

We can offer policies for either full liability cover, or office combined insurance specifically designed for the needs of the UK travel trade. This covers you against claims such as slips, falls, food poisoning and personal injuries while your clients are in the care of your suppliers, such as accommodation providers and/or transportation services.

Professional indemnity insurance operators

Professional indemnity is included as standard in our tour operators’ insurance policies and covers you against misinterpretation and incorrect information in brochures and advertising material.

A recommended tour operator insurance partner

We are a preferred tour operator insurance partner for some of the industry's major names. This includes being an ABTA Partner Plus recommended by the ABTA board; business partners of the Coach Tourism Association; and the only tour operator insurance broker with a preferred business relationship with IAGTO.

How do claims work?

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

• Find your insurance documents and make sure you have all your information at hand, including your policy number.
• Call the claims team on 01932 334 140 and explain exactly what happened.
• Provide photos if requested to help us understand what happened as quickly as we can.

Ready to get covered?

• Fill in our quick form or call us
• Purchase your policy
• Relax - You're covered!

Tour operators insurance FAQs

Why do i need tour operators insurance.

As a tour operator you are responsible for yourself, your business, your clients and the general public, and should something happen to someone during your trip you could be held responsible as it was organised by you.

New regulations mean that it is more important than ever to ensure you and your business are protected from claims. As of 1 July 2018, rules protecting package holidays organised by tour operators extend to cover customers who book other forms of combined travel, such as, flight plus hotel, or hotel plus car rental put together as a deal on a website. These types of bookings are viewed as a package and protected as such. These regulations mean that traders will be made explicitly liable for booking errors in relation to packages, organisers are required to assist travellers in difficulty, as well as a number of other new regulations.

What happens if there is a crisis during a trip?

In a crisis situation, such as a death or kidnapping, when you need immediate expert help, the policy offers 24-hour support and can arrange for attendance in resort by lawyers, expert consultants and adjusters. We are also able to offer crisis PR support and have engaged a specialist travel PR firm who will assist in providing a clear and accurate picture of the situation whilst ensuring that negative coverage is kept to a minimum and a good reputation is maintained.

Why should I get my tour operators insurance from Towergate?

Towergate are in a Government steering group for tour operators insurance and are therefore aware of the latest regulations and public information so we can help tailor your policies to ensure you are covered. Our preferred status means we can help you access attractive rates.

What assistance will you provide in the instance of a claim?

Each claimant will receive a dedicated claims handler to assist them throughout their claim. To meet the demands for claims management we operate to rigorous service levels and our department in Byfleet is part of the wider Towergate claims team, nominated for four awards in 2016. As part of this larger team we can increase our handling capacity at short notice during surge events, such as the volcanic ash cloud in 2011.

• We aim to assess all new claims within 24 hours
• Once a decision is made on a claim we make payment within five working days
• We have an emergency assistance company available to assist with medical emergencies and repatriation requirements

See our range of cover for trade

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Tour Guides and Guiding Insurance

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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.

Related Products

More products.

• Kidnap and Ransom Insurance
• Risk Management
• Employee Benefits Consulting
• Financial Wellbeing
• Reward Consulting

Start your journey with Gallagher. Connect with an expert.

Tour Operators Liability Insurance

For over 20 years our underwriters have been providing Tour Operators Liability insurance and we are proud to be one of the UK’s leading underwriters of Tour Operators & Travel Agents Insurance.

About Tour Operators Liability Insurance

The first underwriting bespoke insurance solutions for tour operators and travel agents includes:, public/products liability, professional indemnity, employers liability.

• Crisis management

First Underwriting provide tailored Tour Operators Liability insurance for ‘Organisers’ of travel arrangements, or for the ‘Principal’ of accommodation supply who assumes the same responsibility under contract. The Package Travel and Linking Travel Arrangements Regulations 2018 make the Organiser liable for the performance of the travel services making up the package.

This can include:

• Tour Operators of any size, including start-ups
• Travel Agents
• Event Organisers
• Coach Operators
• Other Travel Businesses seeking contingent cover for supplier services

In addition, we will consider DMCs, experience companies, and guardianship companies with this type of risk.

We continually strive to be innovative and offer tailor-made insurance solutions for tour operators and travel agents. Our policies are are underwritten by our specialist team who are experts in providing bespoke insurance schemes for the travel industry.

Worldwide cover for personal injury and death with limits of indemnity up to £10m. Liability arising from The Package Travel and Linked Travel Arrangements 2018, including accidental damage to property, legal defence costs and indemnity to principals.

Worldwide jurisdiction and limits of indemnity up to £5m. Breach of contract, misrepresentation or the mis-booking of any travel services can lead to substantial claims being made against your Tour Operator or Travel Agent.

Crisis Management

Our Crisis Management Insurance provides a professional and comprehensive service that will give your tour operators and travel agents peace of mind in the event of an emergency. Up to £250,000 limit of indemnity.

Meeting the requirements imposed by Employer's Liability Compulsory Insurance Regulations 1998. We can provide cover with a limit of indemnity up to £10m.

Why Choose Us?

• We provide our broker partners with direct  access to decision makers  – so you can get an answer quickly
• We only focus on  specialist and niche sectors  – so we really know our stuff
• We are  agile  and can adapt to your changing needs – there’s no red tape here
• We are committed to  helping our broker partners  succeed – after all, what’s good for your business is good for our business
• We  enjoy speaking to brokers  about the products that we love, and we’re always ready to take your call
• We know it’s important to look after your customers in the event of a  claim  – so we provide a bespoke claims service for each individual product.

Our Financial Strength

First Underwriting were established in 2018 as a highly specialised and niche underwriting business. Our UK parent company is NSM UK Holdings , who are a UK division of NSM Insurance Group . NSM Insurance Group are the leading specialist insurance provider in the USA, with over 1m clients and over $1bn in premiums.

We have a long-term agreement and partnership with our underwriting partners Accredited Insurance Europe Limited (AIEL).

AIEL are wholly owned by Randall & Quilter Investment Holdings Ltd. (RQIH); a company domiciled in Bermuda who are listed on the AIM Stock Exchange in London.

A Rated Insurers

AIEL’s credentials:

• AIEL are rated as A- with a “stable” outlook by A M Best
• AEIL trade through a UK branch which has been approved by the Prudential Regulatory Authority.
• RQIH had cash and investments of $1,716 million at 30 June 2021
• Their underwriting programme is supported by A-rated insurance, provided by some of the largest and most secure insurers and reinsurers in the world
• All policies underwritten by AEIL are backed by the UK Financial Services Compensation Scheme

Other Products

We have an extensive range of specialist insurance products which are available to our broker partners. First Underwriting continually enhance and develop our product range, in partnership with brokers, to ensure that they are relevant and meet the needs of brokers’ customers. All of our products are underpinned by sustainable pricing coupled with excellent service from experienced underwriters and a first class claims service.

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Tour Insurance

Online tour insurance quotes from peacock insurance.

At Peacock Insurance Services we specialise in tour and tours insurance as well as tour guide insurance.

More regularly referred to as tour operators insurance or tour operator insurance we have developed the knowledge that enables us to search over 40 tour insurance companies in minutes to deliver you the lowest rate on the market for tour insurance.

Why not put it to the test and see how much we can save you?

If you need to talk to one of our experts directly please  Call  02476 437 600

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SEE WHAT OTHER TYPES OF EVENT INSURANCES WE OFFER

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Travel Risk Professionals Insurance

A team of insurance experts dedicated to the travel industry..

Travel Agents and Tour Operators Insurance experts

Travel Risk Professionals (TRP) is a specialist division of Jensten Insurance Brokers, focusing on the needs of tour operators and travel agents in the UK and worldwide travel industry.

We provide a wide range of Travel Agent , Guide & Tour Operator Insurance from Professional Liability through to 24/7 Crisis Response.

• Our team boasts a wealth of experience and is headed up by Alan Pattison – a renowned travel industry insurance expert.
• We have our own in-house liability scheme backed by leading underwriters.
• We have built strong relationships with a large number of quality industry professionals from lawyers through to crisis responders.
• Active speakers on the travel industry lecture circuit. We regularly provide educational lectures across the country.

Travel Risk Professionals Insurance by business type

Business Travel Insurance

Tour Guide Insurance

Tour Operators Insurance

Travel Agent Insurance

Why use jensten, a specialist team dedicated to our travel industry clients, we are the trusted broker for 1,000+ clients, flexibility, tailored insurance to the needs of your business, talk to the experts.

Our team of UK-based insurance experts are here to help, Monday – Friday, 9am – 5pm.

• Call our team

Contact us on our website whenever suits you

Call our insurance experts during office hours (calls are charged at a local rate)

Find answers to common insurance questions

What our clients say...

Highly recommended, service is always excellent.

Easy to arrange. Friendly and competent staff. Good value.

Super efficient. Highly recommend.

The best rate combined with responsive service. Very good.

Rated 4.7/5 based on 781 reviews on

Who are travel risk professionals.

Travel Risk Professionals (TRP) is a specialist division of Jensten Insurance Brokers.

Alan Pattison, who leads the team, is a renowned Travel Industry Insurance expert with over 25 years of experience in the sector; he and his team have been servicing the needs of thousands of operators and agents, from national brands to sole traders.

Alan is dedicated to making sure that TRP is more than a transactional insurance broker, it is a partnership that not only supports the tour operator and travel agent, but it is also there to provide a valuable service to their consumers.

Our solutions are threefold:

• Tailored Insurance – through our modular based liability product we can design the insurance programme to suit your business.
• Crisis Response Service – when your clients find themselves in the wrong place, at the wrong time, our insurance services kick into action to help and support them.
• Education and Training – As an insurance partner, we believe our role is to educate our clients and the wider industry on the risks and emerging risks they face.

We provide our clients with a unique insurance and service offering that sees us working with small start-ups through to nationally recognised brands.

Need Travel Risk Professionals Insurance?

Find out what covers businesses like yours, articles and insights, introducing jensten insurance brokers private clients team, 8 reasons for the increase in motor trade premiums, the growth of electric vehicles in the uk and their impact on the motor trade, watch: build your resilience to risk, by travel risk professionals, keep up to date with jensten insurance brokers. subscribe to our newsletter and follow us on social media., subscribe to our newsletter, together we achieve more, useful links.

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Registered Address: Beaufort House, 15 St. Botolph Street, London, EC3A 7BB. Registered in England No: 08284692

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Our team are here to help you Monday to Friday, 9am - 5pm

Tel. 01905 21681

Tour Operators Liability Insurance

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Why do I need Tour Operators Liability insurance?

Tour Operators and travel agents are responsible for ‘proper performance of the contract’, this means they can be held liable if aspects of the trip or holiday don’t go to plan, which can include the actions or inactions of subcontractors & suppliers.

Tour operator’s liability insurance, or travel agent insurance , is designed to defend tour operators if they are accused of failing to supply what the customer was expecting, or if something goes wrong on the trip for which the traveller holds you responsible. There are a number of benefits to having tour operators liability insurance, including: 

Protection against Liability

Travel agencies handle various aspects of travel arrangements, including booking flights, accommodations, and activities. If something goes wrong during the trip, such as flight cancellations, lost luggage, food poisening, double booing, or accidents, the agency could be held liable. Travel agency insurance provides protection against lawsuits and claims for negligence, errors, or omissions in their services.

Client Confidence

Having Tour Operators Liability insurance demonstrates professionalism and gives clients confidence in the travel agency’s ability to handle any unforeseen issues. Clients are more likely to trust and choose a travel agency that is insured, knowing that their interests and investments are protected.

Compliance with Regulations  

In many jurisdictions, travel agencies are required to have insurance coverage to operate legally. Tour operators and travel agents in the UK must comply with the Package Travel Regulations, and having the necessary insurance policies ensures compliance with regulatory requirements and avoids potential penalties or legal consequences. 

What does travel agent insurance cover?

A good tour operators   liability insurance policy will combine professional indemnity with public liability , so claims for errors and financial losses can be covered as well as claims for injury, illness or damage. So whether you mis-book accommodation or a customer is injured on an excursion, your policy will be there to assist you.

Package Travel Regulations will advise you if you also need to protect your client’s money with insurance, a bond or a dedicated bank account and if you are arranging flights you should also obtain an ATOL bond.

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6 Types of Insurance Every Tour Operator Needs

If you're in the business of providing tours, then you need to have insurance. It's that simple. But not all insurance is created equal, and there are a few specific types that are essential for tour operators.

In this blog post, we'll discuss the six most important types of insurance, and we'll explain why each one is important. So if you're looking to start a tour company or you're just curious about what type of insurance you should be carrying, read on!

What kind of insurance do tour operators need?

Thinking about starting a tour business? Well, you may have heard that insurance is essential, but what type of policy do you need? Let us unravel the mystery for you.

Every tour operator business has unique needs that should be taken into account when selecting an insurance policy. But there are some general types of coverage you'll want to make sure you have.

Deciding which one, however, is up to you and your provider. To help you, ask yourself:

What possible risks may arise and how can I best prepare to protect against them?

Anticipate potential risks that could emerge to be prepared for any possible outcomes. For example:

• Who covers the risk of property damage, liability, or other risks associated with taking people on tours?
• What if a customer breaks his leg on your zipline tours or gets food poisoning from your restaurant tour? Who will cover the emergency medical costs?
• What happens if one of your tour guides gets injured while leading the tour or gets COVID-19?

Knowing the answers to these questions is crucial for making sure your tour business is properly covered.

Furthermore, each country may have unique requirements depending on the tour activities you offer. So be sure to research your options and make an informed decision about the kind of coverage that best suits your needs, even small businesses.

Now that you know why insurance is important to protect your business, let's take a look at what type of policies you should consider.

6 Types of Insurance for Tour Operators

1. general/business liability insurance   .

Without a doubt, tour businesses must acquire this type of insurance for their protection. It covers legal costs if someone sues your business for personal injury, bodily injury, property damage, slander and libel, copyright infringement, and more.

For example, your tour driver could get into an accident that damages property or injures someone. If that happens, then general liability insurance will help cover the costs associated with the damages.

Without this one, you're putting your business in a precarious position.

2. Professional liability insurance 

Also known as Errors and Omissions (E&O) liability insurance, this type of policy protects you against the risk of being sued for negligence.

For instance, if a customer on your tour gets food poisoning from a restaurant you recommended, then your business can be held liable for not providing accurate information. This will help cover the costs like medical bills of any legal action.

3. Commercial property insurance  

It doesn't matter where your business is located, property insurance should be considered a must-have. This third party property policy will help protect your physical assets from risks such as fire, theft, floods, and other natural disasters.

For example, if you operate by the beach, then you should probably invest in property insurance with coastal coverage.

4. Auto/transportation insurance  

If your tour operator business involves transportation (for example, a bus tour), then you must have auto insurance. This will cover any expenses related to the vehicle in case of an accident of your employees and clients.

For instance, your paddle-boarding tours require a truck to transport the equipment. If the driver gets into an accident while on tour, then this will help cover the damages.

Also, when you have this type of insurance, any employee may drive. This will allow you to rest assured that your staff is covered in case of an emergency.

5. Cyber liability insurance 

This type of liability insurance protects businesses from cyber attacks and other digital risks.

For example, if a hacker steals confidential customer data from your website or an employee accidentally sends sensitive payment information to the wrong person, then this will help cover the costs associated with recovering the data and restoring your reputation.

6. Business interruption insurance 

This policy will help secure your business from any unforeseen circumstances that could lead to a risk of financial loss.

For example, if your tour company is forced to temporarily close due to the COVID-19 pandemic, then this insurance will help cover the expenses incurred while your business is closed.

Tour businesses with a business interruption policy were able to recoup their customer refunds due to pandemic-related closures and cancellations thanks to the protection provided by their companies.

Additional best practices for protecting your business 

In addition to the six types of insurance discussed above, there are other steps you can take to protect your business.

• Make sure all employees have the proper training and certifications.
• Keep up with safety regulations, such as regular vehicle maintenance checks or pest control services.
• Understand the laws and regulations that apply to your industry.
• Create a crisis response plan and review it regularly.
• Stay ahead of the competition by monitoring their activities and trends in the industry.

Having a cancellation policy is also a must-have. This should even be readily available on your website so customers know what to expect in case they need to cancel their tour. Your terms should be clear and concise, leaving no room for misinterpretation.

Finally, ensure you have emergency medical plans in place. For instance, if your tours are based in places where hurricanes or tropical storms are common, have a plan in place to evacuate quickly and safely.

Frequently Asked Questions

How much does tour operator insurance cost.

The cost of insurance will vary depending on the type and amount of coverage needed. Generally, the more coverage you have, the higher your premium will be to protect your business.

How much is liability insurance for tour operator?

Liability insurance typically ranges from hundreds to thousands of dollars, depending on the type and amount of coverage needed.

Do tour guides and travel agents need insurance?

Yes, most travel agents and tour guides should have the appropriate insurance to protect themselves and their customers from liabilities and financial losses. Insurance can also provide peace of mind for both the tour guide and their customers.

Final Takeaways

Having the right insurance is an essential part of running a successful tour business.

With this comprehensive guide, you should now have a better understanding of the different types of insurance tour businesses need and how they can protect their business from liabilities and financial losses.

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Effective Strategies to Minimize No-Shows on Your Tour or Activity Business

Let's explore six essential tactics to minimize no-shows and cancellations on your tour and activity business.

Let's discuss the six most important types of insurance for tour operators, and we'll explain why each one is important.

5 types of tour guide insurance all tour operator businesses need

By Rezdy — 10 Nov 2018

costs   legal   operations   tour operator

5 types of tour operator insurance and what to consider

Updated November 2021 – As a tour operator, you will be dealing with risks on a daily basis. On top of the typical risks that businesses face, you also face additional risks unique to the tour industry. Protecting your business with specific tour operator insurance will ensure you cover all your bases.

For example, what happens if you have to cancel your tours due to weather or insufficient numbers? or when a customer gets hurt while participating in your tour? These situations may vary in their rarity but the financial damages from these risks are always significant. Luckily, there are many types of insurance plans available to protect tour operators against risks.

With Bob’s Hypothetical Kayaking Tours as an example, we will cover the 5 most important insurance plans your tour needs.

1. Asset & revenue insurance

While the specifics will vary depending on the nature of your tour or activity, you’ll need to consider all areas. This refers to things like:

• Breakdown and damage of business assets (for example fires , burglary, general property, equipment breakdown). All Australian businesses have to ensure company vehicles for third-party injury liability. Your equipment and property investments are at great risk if you don’t insure them. TIP: Make sure to check your own federal or state laws to see what is legally required!
• Business interruption (any interruption to the business which stops the business from making money). This includes interruption through a key person’s illness or bad weather.

If Bob’s Kayaking office was to catch fire and nearly everything was destroyed, Bob would lose money on bookings that would have to be canceled, rent that still needed to be paid, wages that are still payable to his staff, and all of the other regular expenses. A claim on asset & revenue insurance will pay for the expenses of the business while they are unable to operate due to an insurable loss.

2. Public liability insurance

Let’s say Bob can’t catch a break and one of his tour participants loses their phone, laptop, jewelry, and glasses while having the time of their life on his exhilarating kayaking experiences. Public liability insurance will free Bob from any responsibility of paying back the stolen/lost items. Tip: Learn how to write a liability release form here!

While public liability insurance is a very costly form of tour operator insurance (the standard cover is $10M), most agents will refuse to resell your tour unless your tour has one. Remember that if you work with a third-party contractor, you need to make sure that they have public liability insurance in place as well.

3. Workers compensation insurance

Bob can’t manage his kayak operation all by himself! He needs accountants to manage his numbers, tour leaders to run the tours, and maintenance staff to take care of the kayaks. Many tours, such as Bob’s, involve a lot of physical activity on a daily basis. Even employees who work in Bob’s Kayaking office can trip on a cord and hurt themselves.

By having workers compensation insurance in place, you’re protecting your business against costly compensation claims as a result of a workplace accident or illness. Workers compensation has to be taken out for all employees of a Pty Ltd company, including company directors and business owners.

However, business owners aren’t covered by workers compensation if they are a sole trader or a partnership. In this case, you can opt for income protection in the case of accidents and illnesses so you don’t lose revenue while you recover.

4. Commercial Crime Insurance 

As much as Bob values all his staff and employees, sometimes there’s going to be a bad egg. This may be shocking, but theft and misdeed by employees are actually more common than you may think it is. A report published by Embroker states that a shocking 75% of employees admit to stealing at least once from their employers. It is for this reason that Bob should have commercial crime insurance in place as one of his tour operator insurances .

In the event of theft or misdeeds actioned by one of Bob’s staff, commercial crime insurance will cover any losses. This can include missing assets or money misspent on non-work-related purchases

5. Errors and Omissions Insurance

Running a kayak business is very demanding and Bob deals with a variety of customers every day. Making mistakes is inevitable, however, certain hiccups can result in severe damages and ruin Bob’s business reputation. Not only that, but the time spent on recovering and fixing a mistake is time-consuming. 

Errors & Omission Insurance (EOI) will protect Bob’s business from claims that may arise due to mistakes or failure to meet certain criteria of a signed contract. With an E&O Insurance in place, Bob will be covered for any financial losses from the result of errors and omissions. E&O Insurance also covers Bob from any settlement or additional costs related to the mistakes that may arise.

In most cases, EOI is often one of the required forms of business insurance many organizations will need to have in place. This tour operator insurance cost is highly recommended to protect your tour operator business from inevitable human errors.

Where to look for Tourism Insurance

With the 5 types of tour operator insurance covered above, it’s important to do your research prior to signing up with an insurance company. Without the right level of cover, you may be out of pocket after a claim. So it’s critical that you choose the correct tour operator insurance plan and an insurance company that fits well with your tour operator business. 

You can begin your search by:

• Getting quotes from those specializing in tourism insurance
• Asking others in the industry for recommendations
• Contacting your local tourism organization and ask them for recommendations

Once you’ve gathered this information, pick your top three companies from the list and compare their offerings. It’s important to find a policy that’s right for your business, so make sure to do proper research and shop around instead of jumping signing up with the first tour operator insurance company you see.

If you enjoyed this article – 3 types of insurance all tour operators need – then follow the Rezdy blog . There are a lot of marketing tools and resources designed with businesses like yours in mind.

Curious to see if Rezdy is right for you? Start a FREE 21-day trial or request a demo from our friendly team today.

Tour Operator Liability

Stuart Burt 01923 298 428 [email protected]

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Tour Guide Insurance

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Why do I need Tour Guide Insurance?

As a professional tour operator, you’re tasked with knowing the ins and outs of your blank. We say “blank,” because you could be a tour company guiding people through a city’s downtown, elating taste buds on a wine tour, or growling and roaring with lions on a children’s jungle safari tour at a zoo. Knowing everything about your blank means being able to wax poetic about all the best facets of your blank. But it also means knowing all the worst parts about it too.

“Insurance” is our blank. We know the ins and outs of this industry and why tour guides absolutely need to protect themselves with general liability insurance and professional liability insurance .

Imagine, poor weather in the forecast threatens to cancel the tour. Without a cloud in the sky, and knowing how excited guests are for your tour, you decide to ignore the warning and continue without canceling. Near the end of the tour, a flash of rain douses the entire group. In an attempt to get to cover, two of your tour members collide and an ambulance needs to be called. Both parties conspire to hold you responsible for the medical bills and for negligence on continuing the tour despite the forecast.

It’s the simple factors, often outside of your control and done with the very best of intentions that can escalate to needing insurance. Our Tour Guide General Liability and Professional Liability Insurance was made with the worst-case scenario in mind.

Ensure you have Thimble’s Tour Guide Insurance and keep your business on the route to success.

Quick thinking insurance for small businesses.

What does Tour Guide Insurance cover?

Unforeseen circumstances or an accident shouldn’t spell the end of your business. Thimble’s Tour Guide Insurance is designed to protect tour guides from situations like the below:

Third-party, non-employee bodily injury

At the final stop on the wine tour, a particularly lively guest leans too far back in their chair. Unable to catch themself, they fall backward and catch the corner of the table directly behind them. The paramedic in the ambulance suspects it might be more than a concussion. The guest then expects you to cover any costs that arise from this.

Third-party property damage

Part of your city tour involves renting electric scooters. Though you’re an expert on two wheels, you’ve never dealt with a bee flying into your eye. Losing control, you steer right into a car, leaving a sizable dent. Unfortunately, this wasn’t “just a car;” it was a brand new Rolls Royce. The owner expects to be paid in full.

Defense costs

A family has booked your tour months in advance. They’re flying across the coast for a vacation and this tour has been the only thing their son has talked about. When an unexpected thunderstorm rolls through your city, you’re forced to cancel. The son is devastated, and the parents are especially litigious. Despite having no control of the weather, you need a lawyer, because they’re suing you for a breach of contract.

Errors & omissions

You’ve advertised a new tour for a while, with multiple tour guests waiting patiently for the expedition. Once you set out with your group, one of your clients decides that the excursion doesn’t live up to expectations. They then sue you for false advertising.

How much does Tour Guide Insurance cost?

Our Tour Guide Insurance policy rate reflects the risk factors that are related to your niche. Wine tour guides and museum tour guides, for example, need personalized coverages, and neither party wants to pay for anything they don’t need. That’s why we customize your policy rate to the location you work in, the size of your crew (if you have one), and the coverage limit required.

Thimble’s Tour Guide Insurance is on when you’re working and off when you’re not. Plus, you can add as many Additional Insureds as you’d like for free. That’s game-changing flexibility. That’s insurance done right. Get your free Tour Guide Insurance quote now.

Tour Guide Insurance FAQs

How quickly can I get a Certificate of Insurance?

Quicker than you can say “And if you’ll look to your left.” When you need Tour Guide Insurance, you can get a free insurance quote, and then purchase that policy all within 60 seconds. The COI (Certificate of Insurance) will be sent to your inbox immediately.

Did your friend ask you to cover for them while they’re on vacation? While you’ve never worked for their company before, you decide to accept the job. The manager in charge asks for your Certificate of Insurance. Thanks to Thimble, you can hop on the app and show them your COI within seconds.

With Thimble, you can schedule your coverage up to six months in advance, and if your friend’s plans end up changing, you can cancel your policy penalty-free up to an hour before the coverage was expected to begin. That’s fast and flexible insurance.

If any changes need to be made, consider them done. Add and modify your Additional Insureds at a moment’s notice, right through the Thimble app.

What are the Tour Guide Insurance policy limits?

There are two Tour Guide Insurance policy limits offered by Thimble: $1 million and $2 million. You can choose the one that protects your tour guide business best, depending on the risk factors you’re facing.

Are workplace injuries of my staff covered?

No. General Liability Insurance for tour guides only provides coverage when the injury happens to a third party. If you want to have three extra tour guides working for you, you may want to consider workers’ compensation coverage . In many states, you can only operate legally with workers’ comp in place.

Does Thimble’s Tour Guide Insurance cover damage to my equipment?

Also no. Thimble’s Tour Guide Insurance only provides this protection for third party damage. If you’ve purchased your own Segway to help maximize your efficiency, you may want to consider a commercial property policy to insure your gear.

How do I get Tour Guide Insurance with Thimble?

Getting Tour Guide Insurance has never been easier, thanks to Thimble. All you need is one minute and the Thimble app. Offer some details about your tour guide business, your ZIP code, and the length of your desired coverage (hourly, daily, or monthly), and we’ll send you a quote instantly. From there, click to purchase and you’ll receive your Certificate of Insurance instantly.

Quick-thinking insurance for fast-moving businesses.

Fewer questions. More options. Buy a policy online, in the app, or over the phone in minutes. Get to work before the other guys even call you back.

Any size. Every stage. Get coverage by the job, month, or year. Choose how you pay, then upgrade when business really takes off.

Total Control. Seamless edits. Modify, pause, or cancel instantly, whether work slows down or hiring picks up.

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Whether you send your travellers volunteering, to do conservation work or to embark on the adventure of a lifetime, our gap year and work abroad travel insurance solutions are built around the needs of travel agencies.

We have worked with Endsleigh for many years and have always been impressed with their level of service and attention to detail. We are confident that with Endsleigh’s support, our students are travelling safely and with full protection.

We have been working with Endsleigh since our company’s formation 20 years ago. We always receive a professional and efficient service. We feel that our needs and the needs of our customers are always very well listened and responded to. It is unusual in this day and age to deal with a larger company and still enjoy the personal touch! 

Harrow House International College has had a long and very successful relationship with Endsleigh Insurance Services for several years. We have always found Endsleigh to offer excellent value for money for the comprehensive cover they provide and hassle-free when dealing with them to make claims. We look forward to continuing ourgood relationship with Endsleigh in the future.

At John Leggott College we have been insuring our International Students with Endsleigh for many years. Endsleigh has always provided us with an excellent service and when we have had any students submit a claim they have resolved the claim in a swift manner. We look forward to working with Endsleigh in the years to come.

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6 Types of Insurance You Need as a Tour Operator

We get it, insurance can be about as exciting as watching paint dry. But there’s nothing more sobering than realizing the consequences of being caught without it when misfortune strikes.

Every business faces its share of risks, but as a tour operator, you have some unique challenges to tackle. Running your business without proper insurance is akin to using a museum as a cat shelter – it might seem harmless until disaster strikes. And trust me, cats can break things. I know from experience.

Picture this: You have to cancel a tour due to a flat tire or inclement weather. If you run large tours, this could be a logistical nightmare. That’s why you need insurance. Here are six types of insurance every tour operator should consider:

1. General Public Liability Insurance: Think of this insurance as your safety net against damage to third-party property and bodily injury. Imagine if your tour vehicle crashes into someone’s property or, worse, injures a pedestrian. In today’s world of inflation, houses and medical bills are among the most costly expenses. This type of insurance is non-negotiable and is one of the first things that travel agents look for when partnering with tour operators.

2. Workers Compensation Insurance: Running a tours and activities business is no walk in the park. You likely have a team or, if you’re a one-person show, you’re putting in some serious hours. But what happens if one of your team members gets injured on the job? Accidents can happen to anyone – a trip over a cord could lead to costly compensation claims. Without insurance, you could find yourself in a financial predicament.

3. Commercial Crime Insurance: We trust our employees, but let’s face the facts – statistically, some employees pilfer from their employers. Imagine waking up one day to discover that an employee has been embezzling thousands from your business. For many tour operators, this could make or break their livelihood. Commercial crime insurance comes to the rescue, covering financial losses resulting from an employee’s theft or other misdeeds.

4. Cyber Liability Insurance: In the age of online bookings, you need to stay vigilant against a nefarious group known as ‘hackers.’ These individuals exploit online system vulnerabilities to steal client information, including payment details. While using a secure booking system like Rezdy helps, accidents can still happen. Cyber liability insurance steps in to help manage and mitigate the costs associated with data breaches.

5. Commercial Property Insurance: No matter where your business operates, there’s always a risk of property damage. Whether you’re situated by the beach with the threat of floods or in the city with fire or theft concerns, you must protect your assets. It’s unfortunate, but accidents do occur, and commercial property insurance ensures you’re prepared to handle unexpected costs.

6. Business Interruption Insurance: The scenarios mentioned above could force you to temporarily shut down your business, resulting in lost revenue. You’ve worked hard to build your business, and you don’t want to revisit the unemployment days. Business interruption insurance safeguards you against these financial losses.

In the unpredictable world of tour operations, insurance isn’t just a safety net; it’s your business’s lifeline. We’ve seen recently how those affected by wildfires and or flooding have been forced to cancel trips or refund clients. While insurance might not be the most thrilling topic, it’s undoubtedly one of the most vital aspects of running a successful tour operation. Don’t wait for misfortune to strike, make sure you protect your business today.

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Which Tour Operator Insurance Is Right for You?

Create the ideal insurance plan for your tour or activity business with this essential guide on all things insurance – from liability and property damage to all of the steps you need to take to create the optimate insurance plan for your operation

by Janelle Visser | 4 December 2023

Every tour operator and guide who’s been at it for a while has their fair share of horror stories. Guests getting injured or sick or worse on tour. Bus breakdowns, accidents or near-misses. In the course of my tour guide career I have already met almost all four horsemen of the apocalypse: (wild) Fire, Flood (and hurricane and blizzard), and of course Pestilence (running a multi-day tour in mid-March 2020 with the coronavirus closing everything behind us). At least I’m still alive: despite many questionable choices in the name of adventure, Death hasn’t caught up with me yet.

Embarking on the journey of running a tour, activity, or attractions company in the travel industry is an exhilarating one, offering unique experiences to travelers. However, the thrill comes hand in hand with a set of risks and uncertainties that can potentially jeopardize the smooth operation of your business. Your safety net — or parachute — in this adventure is none other than a well-crafted tour operator insurance plan.

In this guide, we will navigate through the many considerations of finding the right tour operator business insurance, and understanding the key coverage options essential for the protection of large and small businesses such as tour companies, activity suppliers, visitor attractions and other operators in the in-destination experiences sector. 

Don’t wait until the worst case scenario happens or the four horsemen of the apocalypse are bearing down on you and you’re finding cover to realize you have a dreaded gap in your coverage: prepare now to ensure you have the right insurance coverage in place!

In this article:

• Why Tour Operators Need Specialized Insurance 
• Liability Insurance
• Property Damage Coverage
• Business Interruption Insurance
• Commercial Auto Insurance
• Worker’s Compensation
• Errors and Omissions Insurance
• Commercial Crime Insurance
• Reputation of the Insurance Provider
• Assessment of Business Risks
• Budget and Premium Costs
• Policy Exclusions and Limitations

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Why tour operators need specialized insurance.

Let’s start by unraveling the significance of insurance in the context of the travel industry. Insurance plays a pivotal role in providing a safety net against unforeseen events that could lead to substantial financial losses. 

For tour operators, the risks are unique and multifaceted, ranging from accidents and bodily injuries during tours to cancellations, weather-related incidents, property damage, even cyber liability. Managing these risks necessitates a specialized approach to insurance to ensure you have the right coverage when you need it. 

Distinct from regular travel insurance, which primarily focuses on the needs of the traveler, or general business insurance, which tends to use a one-size-fits-all approach, the right insurance for tour operators should be tailored to address the specific challenges, needs and circumstances faced by those designing and delivering a myriad of unique, immersive and Instagram-worthy experiences.

Key Coverage Options for Tour Operators

1. liability insurance .

Think of general liability insurance as the bedrock of your business protection. It shields you from potential lawsuits or claims made by clients in the event of accidents during a tour. Whether it’s bodily injury or property damage, this coverage is your financial safety net, ensuring you can navigate legal complexities and potential settlements without jeopardizing your business.

Imagine a scenario where a guest sustains an injury during one of your adventures. Tour operator liability insurance steps in, shouldering the financial burden of legal proceedings and potential compensation. General liability insurance is the security blanket that allows your business to weather unforeseen storms and continue thriving.

2. Property Damage Coverage

Property damage coverage comes into play when unexpected events like natural disasters, theft, or vandalism impact the property owned or rented by your tour company. This isn’t just about protecting physical assets; it extends to ensuring the uninterrupted flow of your business operations in the face of property-related incidents.

Picture a scenario where your tour office faces damage from a fire, rendering it temporarily unusable. Property damage coverage becomes your financial ally, mitigating the repercussions and allowing your business to recover and continue operations without facing severe financial setbacks.

3. Business Interruption Insurance

In the ever-changing landscape of the travel industry, business interruption insurance stands as a flexible shield. It provides financial support when your business is temporarily unable to operate due to unforeseen circumstances like pandemics, natural disasters, or political unrest.

Consider the impact of a sudden government-imposed lockdown due to a pandemic. A lot of small businesses in particular struggled a great deal under these restrictions. Managing your insurance program can be a considerable challenge under these circumstances, and business interruption insurance becomes your financial lifeline when cancellation rates go through the roof, covering ongoing expenses and lost income during the closure. It’s the buffer that ensures your business remains financially stable and ready to resume operations when conditions improve.

4. Commercial Auto Insurance

If your tours involve the use of vehicles, such as buses, vans or jeeps, commercial auto insurance is non-negotiable. It goes beyond personal auto insurance, offering protection specific to the commercial use of vehicles within your business operations.

Envision a scenario where one of your tour vehicles is involved in an accident during a guided tour. Without adequate commercial auto insurance, the financial ramifications could be immense. This coverage ensures that your vehicles, drivers, and clients are protected, allowing your business to continue delivering exceptional experiences without unnecessary disruptions.

5. Worker’s Compensation

Your team’s well-being should be paramount. Workers compensation is crucial, especially for roles like tour guides who are exposed to a variety of potential risks during tours. This coverage provides financial support for employees in the event of injuries or illnesses directly related to their work.

Imagine a situation where a tour guide sustains an injury while leading a group through challenging terrain. Workers compensation ensures that medical expenses and lost wages are covered, allowing the injured employee to focus on recovery without facing financial strain. This not only safeguards your employees but also contributes to the overall well-being of your business.

6. Errors and Omissions Insurance

In addition to general liability insurance, errors and omissions insurance, often known as professional liability insurance, is your shield against claims arising from alleged negligence, omissions or mistakes. This professional liability coverage is particularly relevant in scenarios involving misinformation about tour details, incorrect bookings, or oversights in service provision.

Consider a scenario where a guest claims they received incorrect information about the accessibility features during a guided tour, and is unable to join or complete the tour. Without errors and omissions insurance, the financial burden of legal defense and potential settlements could be substantial. This coverage ensures your business is safeguarded against claims related to professional liability, such as unintentional errors and omissions in your tour descriptions and guest communications, allowing you to focus on delivering exceptional experiences with confidence.

7: Commercial Crime Insurance

It’s hard to think that someone inside your organization would ever do anything dishonest.  However, you may find it shocking just how often this happens. There are many conditions that can lead to an incident but anytime an employee has access to bookkeeping, bank accounts, credit cards, etc., there is potential for a damaging incident to your business. In addition to general liability and professional liability insurance, this coverage protects against fraud, theft, or other criminal acts that could potentially cripple the financial stability of your business.

Picture a scenario where an employee engages in fraudulent activities, embezzling funds from your tour company. Commercial crime insurance becomes the shield that guards your business against financial losses resulting from such criminal acts. By understanding and addressing potential risks associated with commercial crimes, you can fortify the resilience of your business against external — and internal — threats.

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Factors to Consider When Choosing Insurance Coverage

First of all, you do not need to become an expert in all things insurance. There are two key components to choosing your insurance coverage: your insurance advisor, agent or broker, and the insurance carrier or underwriter. For operators of tours, activities and attractions, finding a reliable insurance advisor to work with, ideally one who is familiar with the nuances of the travel industry, is an important first step.

This advisor should help you navigate through the following steps of assessing the risks your business faces, finding the best policy tailored to your business for the best price, and ensuring there aren’t exclusions and limitations in the policy that leave you uncovered in the event of a claim.

1. Reputation of the Insurance Provider

Choosing a reputable and well-regarded insurance advisor is crucial for the success of your insurance program. The reliability of your insurance agent can impact the efficiency of claims processing, the clarity of policy terms, and the overall experience of managing your insurance program.

Research potential partners thoroughly, checking reviews, ratings, and past claim experiences. Ask how many clients they work with that have similar operations as you. Reach out to other businesses in the tours, activities and attractions sector for recommendations and insights on who they have worked with. A reputable insurance provider not only offers financial protection but also provides peace of mind, knowing that your business is in capable hands when it comes to risk management.

2. Assessment of Business Risks

Your insurance advisor should help you understand the specific risks your business faces, and ensure your policy is tailored to provide effective insurance coverage based on the unique challenges inherent to your business. This assessment takes into account factors such as geographical location, types of tours offered, and the scale of operations — small businesses may have different needs than larger ones. 

For instance, if your tours involve water or aerial activities, the risk profile will differ significantly from a company specializing in historical walking tours. By understanding and analyzing these risks, your insurance agent should guide you to make informed decisions about the types and levels of coverage needed to safeguard your business effectively.

3. Budget and Premium Costs

How much does tour operator insurance cost? This can vary depending on your specific needs and requirements. While comprehensive coverage is crucial, it’s equally important to balance coverage needs with budget constraints. No one wants to pay any more money for insurance than they must. Your insurance agent should help you to evaluate insurance quotes carefully, considering both coverage and premium costs. Recognize that under-insuring could leave your business vulnerable, while over-insuring may strain your budget unnecessarily.

Explore different tour insurance coverage options and discuss your budgetary constraints with your insurance agent to find a balance that meets your financial capabilities without compromising the effectiveness of your coverage. Remember, the goal is to ensure adequate protection for your business without unnecessary financial strain.

4. Policy Exclusions and Limitations

One of the reasons it’s so important to work with an insurance agent familiar with tourism operator insurance is so they can ensure your policy covers what you need it to. The last time you want to find out your parachute has holes in it is when the plane is going down! A thorough understanding of what is not covered under your policy is as important as understanding what is covered. Policies often come with exclusions and limitations that may impact the effectiveness of your coverage. 

For instance, some policies may have exclusions related to specific types of activities or events, or to specific locations. If you add a new tour type that involves a mountain biking component, does your current operator insurance cover that? If you’re a U.S.-based tour company operating primarily in Florida, does your policy include tours to Puerto Rico or the U.S. Virgin Islands? 

For this reason, it’s imperative that your advisor understands your business, knows the insurance market and has relationships with the limited number of carriers that will underwrite your unique business, and you can trust to make sure is able to design and provide an adequate parachute. You should be able to fully trust that your insurance advisor is acting in your best interest and making sure you are getting appropriate coverage at a fair price.

Navigating the complexities of insurance for tour operators is paramount for the sustained success of your business. From professional liability to business interruption, from bodily injury to cyber liability, there are so many factors to consider. But proper, flexible, customized insurance can be notoriously difficult for tour and activity operators to find. 

For a while now, Arival has been working behind the scenes on a way to help operators in our industry struggling with insurance challenges. Recently, we launched Arival ProShield for U.S. operators, a comprehensive insurance product specifically tailored for tour, activity, and attractions businesses, offered in partnership with Granite Insurance. Learn more about this insurance product, available exclusively to Arival Insider Pro Access members, here .

As you embark on this journey of finding and choosing the right insurance coverage, consider the key takeaways: partner with a reliable insurance provider, understand your risks, and choose comprehensive coverage that’s tailored for your specific needs. 

Or in other words, whatever you do and whoever you do it with, remember: always use protection .

Photo credits: Pexels / Quang Nguyen Vinh, Pixabay, Mati Mango, Tim Mossholder, Arthouse Studio, Vika Glitter, Vlad Deep, APG Graphics, Greg Rosenke.

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Liability Insurance for Guided Tour Companies

Protecting guided tour companies on land, sea or air.

New York City has always been a center of attraction — last year was no exception. In 2017, the City welcomed a record 62.8 million visitors in 2017, an increase of 2.3 million tourists over 2016. Of those, 49.7 million were domestic and 13.1 million were international visitors . That’s great news for the Big Apple, and equally good news for guided tour companies that show these visitors a good time. Take the famous Circle Line Sightseeing Cruise around Manhattan Island, or the hop-on, hop-off, open-air bus tours, or walking tours — not to mention the new guided bike and Segway tours. 

Of course, Washington, DC, Chicago, Las Vegas, and other major cities have their fair share of guided tours — whether by land, water or helicopter. After all, there’s a lot to see in this great country of ours. What do these guided tours have in common? The potential for great profits — and risk. 

Guided Tour Risks

What are some of the most common risks associated with guided tours?

Baggage loss can be an inconvenience at best and dangerous at worst if your clients are carrying important information or medication in their luggage. Transportation malfunctions are also a risk to consider.

Consider the helicopter crash that killed four people on a Grand Canyon helicopter tour. In one case in 2018, five British tourists died during a helicopter tour after the pilot lost control of the aircraft thanks to a violent gust of wind. Or the city sightseeing, the open-air tour bus that careened out of control in San Francisco a few years ago and injured four. 

You may also run into unexpected health issues or — depending on your location and the destination of your tour — a lack of proper accommodation, leaving you out in the cold. Finally, there is always the risk of stolen personal items. While no one will care about a t-shirt or a pair of shoes, if their money or passport goes missing, it can be a massive problem. 

How to Decrease Guided Tour Risks

What can you do to decrease these risks on your guided tours?

Make sure you provide information about the area you’re traveling to in advance. We all love the idea of booking a trip or a tour on a whim, but it is essential that your clients know what they’re getting into before they pay for their tour. On your end, you also need to understand your travelers’ specific needs before they join the tour. You don’t need to be invasive with your questions but you do need to know anything that could potentially put them at risk during the tour. 

Encourage your travelers to take health measures before they arrive. This could be as simple as taking Dramamine if they’re prone to motion sickness or as complex as necessary vaccinations before they arrive if they’re traveling from a different country.

Finally, you’ll need to obtain guided tour insurance to protect both you and your clients in the event of an incident.

If you’re offering guided tours, you should always be prepared for the unexpected. One of the best ways to do that is to obtain guided tour insurance. Danger is inherent in every tour, but it doesn’t have to put a damper on your business. Learn more about guided tour insurance options from XINSURANCE for your business and what insurance tour operators need. 

XINSURANCE is powered by Evolution Insurance Brokers , an insurance brokerage. XINSURANCE provides customized specialty insurance solutions for ever-changing risks and liability issues, including property and casualty insurance — and Tour Operator Liability Insurance for Guided Tour Companies. We’ll even defend you in the event you are named in an incident, claim or lawsuit.

XINSURANCE provides an all-in-one approach that allows business owners to have broader coverage, up to $20 million limits with higher limits available through reinsurance partners, flexible underwriting, risk management expertise, extraordinary claims results, and a partnership approach.

With XINSURANCE, guided tour companies can rest assured they’ll be around to welcome millions of more visitors to their great city. Contact XINSURANCE today to see how we can help you protect your business as well as your clients moving forward.

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You can start the quote process by filling out the form at the top of this page . Once you are finished, we will have an underwriter contact you about the quote request and discuss your insurance needs. Get started today!

Last updated on March 10, 2021.

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.

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5 Commonly Asked Questions about Tour Operator Liability Insurance

1. Why is Tour Operator Liability Insurance Required?

Tour operators wishing to work with cruise lines are required by the cruise lines to have insurance, also called Excursion Insurance. This is a different type of insurance than the local insurance your business may need to comply with local insurance requirements, and is needed if you wish to contract your tours with, or be listed as a “recommend excursion” by cruise lines to their passengers.

Cruise lines will only accept tour operators demonstrating insurance coverage in the following areas: contingent general liability; vehicle general liability (when applicable); motorized and nonmotorized watercraft coverage (when applicable). Furthermore, this coverage must include  World-Wide Jurisdiction in order to protect passengers from any country, and the insurance provider needs to have received  A.M Best Rating of A- or better .

2. What Is the Difference between Tour Operator Liability Insurance and Excursion Insurance?

Tour Operator Liability Insurance, and Excursion Insurance are two terms describing the same type of insurance coverage and may be used interchangeably. There is no functional difference between Tour Operator Insurance and Excursion Insurance.

3. What Is Global Jurisdiction and Why Does It Matter?

Global Jurisdiction , or Worldwide Jurisdiction provides insurance coverage for personal injury and property damage liability claims filed from anywhere in the world.

Passengers of cruises come from a multitude of different countries throughout the world, each with different and complex liability laws. Cruise lines do not expect to be responsible for any injuries, property damage, or loss experienced by passengers while they are on a tour or excursion in port. Instead, this liability may fall to the tour operator.

Costs associated with a passenger injury that occurs during an in-port excursion can quickly become astronomical, and can include local medical expenses, food and lodging for the spouse or family members of the injured party, airlifting the injured person to a different hospital, and other transportation costs if a passenger is unable to return to the cruise.

In addition to global jurisdiction coverage being a prerequisite to a tour operator’s contracting with a cruise line, the minimum liability coverage required for the tour operator’s local laws may not provide adequate coverage for the costs associated with an injured passenger, who may file a claim upon returning home. A dependable insurance company will try to settle that claim out of court to avoid legal fees.  

4. What Does Tour Operator Liability Insurance Cover?

There are  three basic areas of coverage :

Contingent General Liability

Contingent General Liability, also called  Third Party or Public Liability , covers bodily injury and property damage to tourists in your care, custody and control while participating in an excursion tour. This insurance is mandatory for mitigating exposure for any tour operator dealing directly with the public. This includes every service from ziplines or river rafting tours, cultural walking tours or museum tours to vehicle and watercraft rentals.

Contingent Auto Liability

This coverage is excess auto liability coverage over and above your local compulsory automobile insurance and includes coverage for owned, hired and non-owned vehicles.

Contingent Watercraft Liability

Similar to the Contingent Auto Liability, this covers owned, hired and non-owned watercraft having a motor that carries passengers for hire.

Auto and watercraft liability protects the policyholder in the event of damage to the vehicle or injury, loss, and property damage suffered by tour participants if there is an accident, and associated medical expenses.

Insurance policies are usually customized to cover potential accidents based on the types of vehicles and watercraft as well as their function.

5. Is Excursion Insurance Expensive?

No, the cost of insurance is easily offset by  the increase in revenue derived from an increase in tour visitors.

Cruise lines are only willing to promote or contract with tour operators who meet their standards for minimum liability coverage, and cruise line passengers are unlikely to research on-shore activities not promoted by the cruise line. Thus, complying with cruise lines insurance policies is the best way to ensure your tour is promoted to passengers.

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Tour operator insurance: 5 considerations to protect your business

When starting a new tour business, one of the most vital steps is protecting your assets. To do so, you will need liability insurance.

While liability insurance is essential, as a new tour operator you may be wondering what you need coverage for and how much it will cost.

In this post, we’ll dive into the ins and outs of liability insurance as well as what you should consider.

Disclaimer – Before we dive in, this post is designed to be a general primer into liability insurance for tour operators. For specific details and questions about different policies, we recommend reaching out to your insurance agent or lawyer.

• What is tour operator insurance?

What types of insurance do I need for my tour business?

How much does liability insurance cost, the 6 most popular types of liability insurance, how to vet tour operator insurance providers, additional best practices for protecting your business, what is tour operator insurance .

Tour operator insurance is a specialized type of insurance designed to protect tour operators as well as travel agents that organize and sell travel packages. It typically covers risks associated with travel planning and execution, such as trip cancellations, delays, supplier failures, and liability issues. This insurance is important because it protects tour operators from significant financial losses and legal liabilities that can arise from unforeseen events or accidents during the tours they organize, ensuring business continuity and customer trust.

If you are thinking about starting or have recently launched a tour business, you may be wondering what to insure and if have enough insurance to cover all of your assets. Let’s get the nitty gritty insurance details out of the way so can focus on the joy of sharing an adventure you love with your guests.

Every business has a unique set of liabilities, so deciding which liability insurance you need comes down to asking yourself this:

What could possibly go wrong and how can I mitigate damage?

While brainstorming “worst-case scenarios” isn’t fun, isn’t it better to have a plan in place if something does go awry?

Here are some examples of potential questions to think through:

• Who will replace the kayak that fell off your rig while transporting the fleet?
• Who covers the emergency medical costs if a customer breaks his leg on your zipline tour and later files a lawsuit to recoup the money he is out from medical bills?
• What happens if one of your tour guides gets COVID-19 after being exposed on a tour?

Deciding what type of coverage you require when you first launch your business will allow you to focus more time on providing a great guest experience.

Keep in mind that most policies are for an entire year, even if your business is seasonal. This is a benefit since your equipment will be covered in the event of loss or damage during the off-season.

In addition, your state may have specific insurance required for your type of tour. For example, Washington state requires workers’ compensation through the Department of Labor and Industries. Additionally, they require minimum coverage for business vehicles of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $10,000 property damage liability per accident.

The importance of carrying adequate liability insurance

Between 2007-2013, the canoeing industry suffered more fatalities than kayaking, rafting, and paddleboarding combined. Canoeing may seem like a safe enough activity, but this statistic proves that accidents do happen — and why emergency medical coverage is essential.

While a fatality is definitely the worst-case scenario, even a minor customer injury could lead to a personal injury settlement that is not only costly but time-consuming . One case could take years to settle.

Starting and maintaining a business is expensive enough. If you have a fleet of 20 canoes and they are stolen or catch fire, you are looking at a minimum of $5,000 to replace them. Liability insurance helps you eliminate that financial risk.

Your local insurance agency might be able to provide a basic policy that covers all your needs through one plan or with add-on riders. Still, tour businesses might need to have an additional policy through an agency that specializes in tour operations such as Excursion Insurance , CNA International , or XInsurance .

In addition, you should consider how much your assets (equipment and/or property) are worth. It is often better to consider a higher coverage amount that your business can grow into over being underinsured and potentially on the hook in the event something goes wrong.

The level of danger inherent in your business is also a factor. Adventurous activities will require comprehensive policies that cover emergency care and so on. For example, a kayak rental business or walking tour will have lower premiums than a scuba diving business or an axe-throwing venue.

Pro Tip: The average annual plan cost for $1 million in coverage for a tour operator is $350-$700.

There’s a wide variety of liability insurance types offering different levels of coverage depending on the businesses they protect.

Ask your insurance agent to customize your insurance policy or policy package to your specific needs.

1. General/business liability insurance

General/business liability is imperative.

This covers legal fees for customer injury and property loss.

The kayak that fell off your rig? This covers the replacement cost.

This insurance will also cover legal fees to sue for less likely events such as copyright infringement or slander from a competitor.

Perhaps most interesting right now, as many small businesses navigate uncertain times due to the pandemic, is that general/business liability insurance includes legal and relocation fees if your business is wrongfully evicted from a rented building or property.

Here are a few things to consider when looking for the best liability insurance provider:

• Adequate coverage: Ensure that the insurance policy provides sufficient coverage for the risks and liabilities specific to your tour or attraction operations. Assess the nature of your business activities, the number of participants, and the associated risks to determine the appropriate coverage limits.
• Comprehensive policy: Look for a comprehensive insurance policy that covers a wide range of risks, including bodily injury, property damage, personal injury, and advertising injury.
• Certificate of insurance: Request and keep updated certificates of insurance from any subcontractors or vendors you work with. This verifies that they have adequate liability coverage, protecting both parties in case of any incidents or accidents.

2. Auto liability insurance

If you provide transportation for your customers, auto liability will cover both owned and rented vehicles beyond the scope of personal auto policies.

Whether you are transporting paddleboarders to your favorite cove at sunrise in Florida or sunset in California, auto liability covers what you are accustomed to with your personal auto policy, only with higher weight restrictions and limits of liability.

When your business vehicles are insured, any employee may drive. This will allow you to take multiple vehicles (i.e. more customers) on each excursion or have one employee shuttle customers while the other remains on location.

Consider the following before choosing an auto liability insurance policy:

• Commercial auto policy: Look for a commercial auto insurance policy specifically designed for business vehicles. This type of policy provides coverage for accidents, injuries, property damage, and other liabilities that may arise from the use of vehicles in your tour and attraction operations.
• Hired and non-owned auto Coverage: If your business involves renting or using vehicles that you do not own, consider adding hired and non-owned auto coverage to your policy. This coverage extends liability protection to vehicles you rent or borrow for business purposes.
• Driver qualifications: Establish clear driver qualification standards. Ensure that your drivers meet the requirements for your auto liability insurance. This may include age restrictions, valid driver’s licenses, clean driving records, and any specific training or certification requirements.

3. Watercraft liability insurance

Whether the watercraft has a motor or not, this insurance is mandatory in most states for watercraft operators, so ensure it is covered in your general/business liability policy or an add-on rider.

This will cover emergency medical costs for customer injury specific to the watercraft as well as the loss of or damage to personal belongings.

Here are a few considerations to keep in mind as you research watercraft liability insurance:

• Vessel types: First, you’ll need to determine the types of vessels your company will use. Then, verify that your insurance policy covers that specific type of vessel, which can range from motorized boats, sailboats, personal watercraft, or paddle craft.
• Passenger capacity: Assess the passenger capacity of each boat and confirm that the insurance covers the maximum number of passengers allowed on board. Compliance with safety regulations regarding passenger limits is crucial to mitigate risks and ensure proper coverage.
• Waterway restrictions: Understand any restrictions imposed by the insurance provider regarding the waterways in which you can operate. Some policies may have navigational limits or exclusions for certain high-risk areas.

4. Professional liability insurance

Here is another one that you’ll want to add if it is not included in your general/business liability policy.

This is for the mistakes you didn’t mean to make or changes you couldn’t help but make.

Nicknamed the “errors and omissions policy,” professional liability covers the accidents made through typos or data left out of a tour description. It covers legal fees for cases of misrepresentation (the artisan lunch promised is fried Spam sandwiches) or violation of good faith (a loyalty program was shut down or not allowed to be used as promised).

Keep this in mind as you’re choosing your professional liability insurance:

• Retroactive date: Pay attention to the retroactive date mentioned in the policy. This is the date from which the policy coverage starts and typically excludes claims arising from incidents that occurred before that date. Ensure that the retroactive date aligns with your business’s start date or the date you first purchased the insurance.
• Claims-made policy: Professional liability insurance is typically written on a claims-made basis. This means that coverage is triggered by claims made and reported during the policy period. Understand the reporting requirements and ensure that you report any potential claims or incidents to your insurance provider in a timely manner.
• Professional associations: Consider joining professional associations relevant to the travel and tourism industry. Some associations offer access to group insurance plans or negotiated rates for professional liability coverage.

5. Employer liability insurance

Many states require businesses to apply for workers’ compensation through the Department of Labor . If your state does not provide this service at the government level, adding employer liability will protect your business during lawsuits launched by employees as well as pay for employee medical care, disability, and even funeral in the case of a death on the job.

Here’s what to consider when researching employer liability insurance:

• Workers’ compensation laws: Each jurisdiction may have specific rules regarding workers’ compensation coverage limits, eligibility criteria, claim filing procedures, and benefit entitlements. Complying with these laws is crucial to protect both your employees and your business.
• Employee classification: Properly classify your employees based on their job roles and associated risks. Different job categories may have different insurance requirements and premium rates.
• Return-to-work programs: Establish return-to-work programs that facilitate the smooth transition of injured employees back to work after recovering from a workplace injury or illness.

6. Business interruption liability

Seattle, Houston, and Austin shut down due to snow for a week? Impossible.

But then, in February 2021, it happened and interrupted thousands of travel plans.

For tour operators with business interruption insurance, customer refunds due to business closures and trip cancellations were taken care of by their insurance companies.

A natural disaster is an extreme example, but unforeseen events happen all the time.

A rained-out performance or a lightning storm forecast during a water event is more common. While bad weather won’t cause weeks of cancellations, it is money lost.

Here are some practical tips and considerations to keep in mind when it comes to business interruption liability insurance:

• Assessing risks and vulnerabilities: Take the time to assess the potential risks and vulnerabilities that could interrupt your business operations. Consider factors such as natural disasters, fires, power outages, supply chain disruptions, or unforeseen circumstances that could affect your ability to serve customers.
• Waiting period: Keep in mind that most policies have a waiting period before coverage kicks in, so plan accordingly to manage your finances during that time.
• Business continuity planning: Develop a comprehensive business continuity plan that outlines steps to be taken during and after a disruption. Having a well-thought-out plan in place can expedite the recovery process and potentially reduce the duration of business interruption.

Use the following tips to ensure you’re partnering with the right insurance providers:

• Reputation matters: Do your homework and dig into the reputation of potential insurance providers. Look for reviews, testimonials, and feedback from other tour and attraction operators. Don’t settle for a company that leaves a trail of disappointed customers in its wake. You deserve an insurance provider that’s got your back.
• Tailored to your industry: Seek providers that specialize in serving the unique needs of tour and attraction operators. They understand the ins and outs of your industry, the risks you face, and the coverage you require.
• Transparency is key: Nobody likes being kept in the dark, especially when it comes to insurance. Look for providers that are transparent and clear in their communication. You want an insurance partner who explains the terms, conditions, and coverage in a way that makes sense to you. No jargon, no confusion — just straightforward and honest communication.
• Customizable coverage: Your business is unique, so your insurance coverage should be too. Avoid providers that offer rigid, off-the-shelf policies. Instead, opt for those that offer customizable coverage to meet your specific needs. Whether it’s liability, property, or equipment coverage, you should have the freedom to tailor your policy to fit your business like a glove.
• Responsive customer service: In times of crisis, you need a responsive insurance provider who doesn’t leave you hanging. Look for companies that prioritize customer service and have a reputation for being there when you need them the most.
• Easy claims process: The last thing you need when filing a claim is a complicated and frustrating process. Look for insurance providers that have a streamlined and efficient claims process. You deserve an easy-to-navigate system that minimizes paperwork, reduces headaches, and gets you back on your feet as quickly as possible.
• Competitive pricing: We can’t forget about the bottom line. While pricing shouldn’t be the sole deciding factor, it does play a role. Seek out insurance providers that offer competitive pricing without compromising on coverage and service.
• Recommendations and referrals: Don’t be afraid to tap into your network and ask for recommendations. Reach out to fellow tour and attraction operators, industry associations, or trusted colleagues for their input. Personal referrals can provide valuable insights and help you find hidden gems in the insurance provider landscape.

Liability waivers are a simple way to further protect your business. Our post on Liability Waiver Best Practices gives a clear path to how you can use digital waivers to simultaneously protect your business as well as ways you can use this information in your marketing.

In addition, you should also have a cancellation policy, which should be available on your website and in your digital waiver. You should clearly state your terms for how and when guests can cancel a booking as well as your refund policy.

Finally, what emergency medical plans do you have in place? While keeping your first aid kits stocked is probably first on your list, other items to keep near – such as emergency blankets, survival tents, etc. – will depend on your type of tour and customer demographic. For example, if your business is based in Florida, you might want to have an evacuation plan in place for how to board up and secure your venue in case you have to evacuate due to a hurricane.

In sum, taking everything into account, liability insurance is as important of an investment as your equipment. Shopping around for an insurance company that is the perfect fit for your business is as important as shopping around for a vehicle and kayaks.

Writer Carla Vianna

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Jun 20 - 23, 2024

Got Back Tour - 2024

Estadio Centenario, Montevideo

1 October 2024

Estadio Centenario 11400 Montevideo Departamento de Montevideo Uruguay

River Plate Stadium, Buenos Aires

5 October 2024

River Plate Stadium Av. Pres. Figueroa Alcorta 7597 C1428 Cdad. Autónoma de Buenos Aires Argentina

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11 October 2024

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14 December 2024

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Tour Information

Paul will bring his acclaimed 'Got Back' tour to South America and Europe later this year! Fulfilling his promise to 'get back', Paul will return to Uruguay, Argentina, Chile, Brazil, Peru and Mexico, then head to France, Spain and the UK. His first show of 2024 will take place on 1st October in Montevideo. PRE-SALE AND GENERAL SALE TIMINGS ARE STAGGERED BY SHOW Tuesday 1st October - Estadio Centenario, Montevideo, URUGUAY ⁠PaulMcCartney.com pre-sale: Monday 10 June 2PM UYT / 6PM BST ⁠General sale: Monday 17 June 12.01PM UYT / 4.O1PM BST ⁠ ⁠Saturday 5th October - River Plate Stadium, Bueno Aires, ARGENTINA Sunday 6th October - River Plate Stadium, Bueno Aires, ARGENTINA ⁠⁠PaulMcCartney.com pre-sale: Tuesday 11 June 10AM ART / 2PM BST ⁠⁠General sale: Wednesday 12 June 12pm ART / 4PM BST ⁠ ⁠Friday 11th October - Estadio Monumental, Santiago, CHILE ⁠⁠⁠PaulMcCartney.com pre-sale: Monday 17 June 11AM CLT / 4PM BST ⁠⁠General sale: Friday 21 June 11.01AM CLT / 4.01PM BST Tuesday 15th October - Allianz Parque, Sao Paulo, BRAZIL ⁠⁠⁠PaulMcCartney.com pre-sale: Tuesday 25th June 10AM BRT / 2PM BST ⁠⁠General sale: Wednesday 26th June 12PM BRT / 4PM BST Saturday 19th October - Estádio da Ressacada, Florianópolis, BRAZIL ⁠⁠⁠PaulMcCartney.com pre-sale: Tuesday 25th June 10AM BRT / 2PM BST ⁠⁠General sale: Wednesday 26th June 12PM BRT / 4PM BST ⁠ ⁠Wednesday 23rd October - Mario Alberto Kempes, Córdoba, ARGENTINA ⁠⁠⁠PaulMcCartney.com pre-sale: Tuesday 11 June 10AM ART / 2PM BST ⁠⁠General sale: Wednesday 12 June 12pm ART / 4PM BST ⁠ ⁠Sunday 27th October - Estadio Nacional, Lima, PERU ⁠⁠⁠PaulMcCartney.com pre-sale: Friday 14 June 10AM PET / 4PM BST ⁠⁠General sale: Sunday 16 June 10AM PET / 4PM BST Friday 8th November - Estadio BBVA, Monterrey, MEXICO ⁠⁠⁠PaulMcCartney.com pre-sale: Monday 24 June 9AM CST / 4PM BST ⁠⁠General sale: Friday 28 June 1PM CST / 8PM BST Tuesday 12th November - Estadio GNP Seguros, Mexico City, MEXICO ⁠⁠⁠PaulMcCartney.com pre-sale: Monday 24 June 9AM CST / 4PM BST ⁠⁠General sale: Friday 28 June 1PM CST / 8PM BST Wednesday 4th December - La Defense Arena, Paris, FRANCE ⁠Thursday 5th December - La Defense Arena, Paris, FRANCE ⁠PaulMcCartney.com pre-sale: Tuesday 18 June 10am CET ⁠General sale: Friday 21 June 10am CET ⁠ ⁠Monday 9th December - WiZink Center, Madrid, SPAIN ⁠Tuesday 10th December - WiZink Center, Madrid, SPAIN ⁠⁠PaulMcCartney.com pre-sale: Tuesday 18 June 10am CET ⁠General sale: Friday 21 June 10am CET ⁠ ⁠Saturday 14th December - Co-op Live, Manchester, UK ⁠Sunday 15th December - Co-op Live, Manchester, UK ⁠⁠PaulMcCartney.com pre-sale: Wednesday 19 June 10am BST ⁠General sale: Friday 21 June 10am BST ⁠ ⁠Wednesday 18th December - The O2 Arena, London, UK ⁠Thursday 19th December - The O2 Arena, London, UK ⁠⁠PaulMcCartney.com pre-sale: Wednesday 19 June 10am BST ⁠General sale: Friday 21 June 10am BST

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Paul announces Brazil dates for the 2024 'Got Back' tour

Paul announces mexico dates for the 2024 'got back' tour, paul announces europe dates for the 2024 'got back' tour.

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Japanese emperor to reconnect with the River Thames in state visit meant to bolster ties with UK

Emperor Naruhito and Empress Masako smile at the media walk through a guard of honour after arriving at Stansted Airport, England, Saturday, June 22, 2024, ahead of a state visit. The state visit begins Tuesday, when King Charles III and Queen Camilla will formally welcome the Emperor and Empress before taking a ceremonial carriage ride to Buckingham Palace. (AP Photo/Kin Cheung)

Emperor Naruhito is saluted by a member of the honour guard as he and Empress Masako arrive at Stansted Airport, England, Saturday, June 22, 2024, ahead of a state visit. The state visit begins Tuesday, when King Charles III and Queen Camilla will formally welcome the Emperor and Empress before taking a ceremonial carriage ride to Buckingham Palace. (AP Photo/Kin Cheung)

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Emperor Naruhito is greeted by dignitaries has he and Empress Masako arrive at Stansted Airport, England, Saturday, June 22, 2024, ahead of a state visit. The state visit begins Tuesday, when King Charles III and Queen Camilla will formally welcome the Emperor and Empress before taking a ceremonial carriage ride to Buckingham Palace. (AP Photo/Kin Cheung)

Japan Empress Masako smiles as she disembarks at Stansted Airport, England, Saturday, June 22, 2024, ahead of a state visit. The state visit begins Tuesday, when King Charles III and Queen Camilla will formally welcome the Emperor and Empress before taking a ceremonial carriage ride to Buckingham Palace. (Chris Radurn/PA via AP)

Emperor Naruhito is greeted by dignities as he and Empress Masako arrive at Stansted Airport, England, Saturday, June 22, 2024, ahead of a state visit. The state visit begins Tuesday, when King Charles III and Queen Camilla will formally welcome the Emperor and Empress before taking a ceremonial carriage ride to Buckingham Palace. (AP Photo/Kin Cheung)

Emperor Naruhito and Empress Masako disembark their aircraft as they arrive at Stansted Airport, England, Saturday, June 22, 2024, ahead of a state visit. The state visit begins Tuesday, when King Charles III and Queen Camilla will formally welcome the Emperor and Empress before taking a ceremonial carriage ride to Buckingham Palace. (AP Photo/Kin Cheung)

Emperor Naruhito, left, and Empress Masako walk down from their aircraft as they arrive at Stansted Airport, England, Saturday, June 22, 2024, ahead of a state visit. The state visit begins Tuesday, when King Charles III and Queen Camilla will formally welcome the Emperor and Empress before taking a ceremonial carriage ride to Buckingham Palace. (AP Photo/Kin Cheung)

Emperor Naruhito and Empress Masako walk through a guard of honour after arriving at Stansted Airport, England, Saturday, June 22, 2024, ahead of a state visit. The state visit begins Tuesday, when King Charles III and Queen Camilla will formally welcome the Emperor and Empress before taking a ceremonial carriage ride to Buckingham Palace. (AP Photo/Kin Cheung)

Emperor Naruhito and Empress Masako are greeted by dignitaries as they arrive at Stansted Airport, England, Saturday, June 22, 2024, ahead of a state visit. The state visit begins Tuesday, when King Charles III and Queen Camilla will formally welcome the Emperor and Empress before taking a ceremonial carriage ride to Buckingham Palace. (AP Photo/Kin Cheung)

Empress Masako gestures as she speaks to dignitaries as she and Emperor Naruhito arrive at Stansted Airport, England, Saturday, June 22, 2024, ahead of a state visit. The state visit begins Tuesday, when King Charles III and Queen Camilla will formally welcome the Emperor and Empress before taking a ceremonial carriage ride to Buckingham Palace. (AP Photo/Kin Cheung)

The Japanese flag flies form the cockpit window of the plane carring Emperor Naruhito and Empress Masako as it arrives at Stansted Airport, England, Saturday, June 22, 2024, ahead of a state visit. The state visit begins Tuesday, when King Charles III and Queen Camilla will formally welcome the Emperor and Empress before taking a ceremonial carriage ride to Buckingham Palace. (AP Photo/Kin Cheung)

The plane carrying Emperor Naruhito and Empress Masako arrives at Stansted Airport, England, Saturday, June 22, 2024, ahead of a state visit. The state visit begins Tuesday, when King Charles III and Queen Camilla will formally welcome the Emperor and Empress before taking a ceremonial carriage ride to Buckingham Palace. (AP Photo/Kin Cheung)

LONDON (AP) — Before Emperor Naruhito of Japan attends a banquet hosted by King Charles III , lays a wreath at Westminster Abbey or tours one of Britain’s premier biomedical research institutes, he’ll kick off this week’s trip to the U.K. by visiting a site that has special meaning for him: The Thames Barrier.

While the retractable flood control gates on the River Thames don’t top most lists of must-see tourist sights, the itinerary underscores the emperor’s fascination with the waterway that is the throbbing heart of London.

Emperor Naruhito, left, and Empress Masako walk down from their aircraft as they arrive at Stansted Airport, England, Saturday, June 22, 2024, ahead of a state visit. (AP Photo/Kin Cheung)

That interest was born 40 years ago when Naruhito studied 18th-century commerce on the river as a graduate student at the University of Oxford. But those two years, chronicled in his memoir “The Thames and I,” also forged a special fondness for Britain and its people. The future emperor got a chance to live outside the palace walls, seeing the kindness of strangers who rushed to help when he dropped his purse, scattering coins across a shop floor, and experiencing traditions like the great British pub crawl.

“It would be impossible in Japan to go to a place where hardly anyone would know who I was,’’ Naruhito wrote. “It is really important and precious to have the opportunity to be able to go privately at one’s own pace where one wants.’’

Naruhito and the Empress Masako, who studied at Oxford a few years after her husband, returned to the U.K. on Saturday for a weeklong stay combining the glitter and ceremony of a state visit with four days of less formal events that will allow the royal couple to revisit their personal connections to Britain.

The visit comes at a time when the U.K. is seeking to bolster ties with Japan as it aims to be the most influential European nation in the Indo-Pacific region, said John Nilsson-Wright, the head of the Japan and Koreas program at the Centre for Geopolitics at the University of Cambridge. In October 2020, Britain touted an economic partnership with Japan as the first major international trade agreement it had struck since leaving the European Union earlier that year.

“The U.K.-Japan relationship is hugely important. … It’s based on shared common experience. It’s based also on the affinity between our two peoples,’’ Nilsson-Wright said. “Britain and Japan can act as a source of stability and, hopefully, mutual reassurance at a time when political change is so potentially destabilizing.”

The trip, originally planned for 2020, was intended to be the emperor’s first overseas visit after he ascended the Chrysanthemum Throne in 2019. But it was delayed by the COVID-19 pandemic. He later attended Queen Elizabeth II’s funeral.

The state visit begins Tuesday, when Charles and Queen Camilla will formally welcome the emperor and empress before they take a ceremonial carriage ride to Buckingham Palace. Naruhito will also lay a wreath at the tomb of the unknown soldier in Westminster Abbey then return to the palace for a state banquet.

But before the pomp and circumstance begins, Naruhito will visit The Thames Barrier, a series of retractable steel gates that protect London from flooding while allowing ships to continue navigating the river. After the state visit, he and his wife will have time to tour their old colleges at Oxford.

It was at Merton College that the future emperor, who was born Hironomiya Naruhito, was known simply as Hiro because it was easier for faculty and students to remember the nickname (and because the prince liked the sound of it), he wrote in “The Thames and I.”

One of his greatest joys at Merton was to go to the Middle Common Room, a meeting place for graduate students, to drink coffee and talk with other students after lunch.

“These moments, with my fellow students, brief as they were, were very important for me,’’ Naruhito wrote.

Britain in the 1980s was a revelation to Naruhito because it seemed to respect the past even as it embraced the future, he said, remembering the peaceful co-existence of scholars in traditional caps and gowns with young people wearing punk rock garb.

Emperor Naruhito and Empress Masako disembark their aircraft as they arrive at Stansted Airport, England, Saturday, June 22, 2024, ahead of a state visit. (AP Photo/Kin Cheung)

“I did not feel that was out of the ordinary,’’ he said. “It seemed to me that both reflected the spirit of the place. This was, after all, a country which produced the Beatles and the miniskirt. I felt that while the British attach importance to old traditions, they also have the ability to innovate.’’

Naruhito also wrote about the novelty of walking through the streets of Oxford without being noticed, of spending hours in the local records office doing his academic research and of having the chance to do his own shopping and other mundane chores that most people take for granted.

And he remembered climbing a hill northeast of the city just to take in the view.

“It was best toward sunset,’’ he wrote. “I can never forget the moment when the silhouettes of the spires of Oxford one by one caught the evening light and seemed to float above the mists. This mystical sight, which has aroused so much admiration, is called Oxford’s dreaming spires.’’

But behind it all there was always the River Thames, which flows southeast from Oxford to London before emptying into the North Sea.

Naruhito began studying river commerce as a boy when Japan’s roads and rivers offered a glimpse of travel and freedom outside the confines of the palace. So when he arrived in Oxford, it was logical to study the Thames.

Looking back at the research papers he wrote 40 years ago, he’s flooded with nostalgia, Naruhito told reporters in Tokyo before returning to Britain.

“The memories of my time with the Thames come back to me,’’ he said. “The list goes on and on, including my hard work in collecting historical materials … the beautiful scenery around me that healed me from my fatigue from research, and the days I jogged along the river.’’

Associated Press writers Mari Yamaguchi and Mayuko Ono in Tokyo contributed.

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Taylor Swift says she was ‘swooning’ over boyfriend Travis Kelce’s Eras Tour debut at Wembley Stadium

‘never going to forget these shows,’ swift writes, article bookmarked.

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Taylor Swift said she was “swooning” over Travis Kelce ’s Era’s Tour debut at Wembley Stadium in London .

On 23 June, the Kansas City Chiefs tight end, 34, made a surprise appearance during the pop star’s London tour stop at Wembley Stadium, showing up and wearing a jaunty top hat and tuxedo to carry her across the stage as she performed “I Can Do It with a Broken Heart.” After fans spotted him enjoying the show from the VIP tent all night, his stepping in for the dancer who usually carries Swift onstage during the song had the crowd going wild.

The following day, the “Fortnight” singer posted about the sweet moment on Instagram , giving her beau an adorable shoutout in the caption. “I’m still cracking up/swooning over @killatrav’s Eras Tour debut,” the 34-year-old Grammy winner wrote. “Never going to forget these shows.”

Swift paired the caption with a carousel of photos that started with a snap of the NFL star performing alongside her as well as another photo later on showing him carrying her bridal style to center stage.

Elsewhere in her caption, the “Down Bad” singer thanked the 90,000 fans who turned up in droves to support the tour, which she described as “some of the loudest crowds I’ve ever heard.” She also shouted out pals and collaborators Hayley Williams and Gracie Abrams, who joined her for renditions of their collaborations “Castles Crumbling” and “Us.”

“Acoustic sections went OFF. I got to sing ‘Castles Crumbling’ with @yelyahwilliams for the first time - hadn’t performed with her since 2011 and man my heart was just so full of love for her and our friendship,” Swift wrote. “Then the impossibly gifted and wonderful @gracieabrams came and surprised the crowd with the first performance of our song ‘us.’”

Kelce’s tour debut comes on the heels of the pop star making their relationship Instagram official by posting a sweet backstage selfie with Prince William and his children Prince George and Princess Charlotte in honor of the English royal heir’s 42nd birthday.

The royals weren’t the only ones to check out Swift’s epic Eras Tour in London, with the VIP section notably full of celebrities including Ashton Kutcher, Mila Kunis, Andrew Scott, Phoebe Waller-Bridge, and Tom Cruise . Throughout the night, Greta Gerwig and her daughter could be seen singing and dancing with Kelce to the pop star’s numerous hits.

The NFL star attended the tour with his brother Jason and his wife Kylie, both of who were attending the blockbuster tour for the first time. In true Eras Tour fashion, the couple acquired stacks of friendship bracelets from Swifties and enjoyed song after song.

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• Best term policy
• Best for seniors
• Best for military members
• Best for higher policy limits
• Best for guaranteed acceptance
• Best for waiting periods
• How we review no exam life insurance

Best No Exam Life Insurance Companies of June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Many life insurance companies offer no-exam life insurance, which has the obvious appeal of skipping medical exams. For some people, it's a great option, but keep in mind that this type of life insurance policy will still require some information about your medical history. 

Our Top Picks for the Best No Exam Life Insurance

• Best term life policy: Ethos Life
• Best for seniors: AARP Life Insurance
• Best for military members: USAA Life Insurance
• Best for higher policy limits: Prudential Life Insurance
• Best for guaranteed acceptance: Mutual of Omaha Life Insurance
• Best for waiting period: AAA Life Insurance

Compare No Medical Exam Life Insurance Plans

No medical exam life insurance is particularly good for people seeking insurance later in life, forfeiting death benefit amounts and paying higher premiums to qualify. As such, the best no exam life insurance should have high age eligibility without too much compromise on coverage and costs.

Policies included in our guide on the best no medical exam life insurance insure people up to 85 years old. Read on to learn more.

Best no exam term life insurance 

Ethos life insurance.

Ethos Life accepts applicants up to age 65 with a 100% online application process, and limits are as high as $2 million. 

Ethos Life asks a few basic medical questions, but coverage is effective immediately once approved. In addition, every customer buying policies like this from Ethos Life is eligible for a 30-day look period, which is another way to say you can cancel and get your money back in the first 30 days with no penalties.

• Health questions: Yes
• Coverage limits: Up to $2 million
• Waiting period: May apply
• Unique feature: Instant quotes available with a streamlined online application

Read our Ethos Life Insurance review here.

Apply for life insurance online in just a few minutes with Ethos' simple application. No medical exams are required. Just answer a few health questions—many customers enjoy same-day coverage!

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 100% online application process, quotes in minutes
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage starts immediately once approved
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Term policies renewable up to age 94 for qualifying applicants
• con icon Two crossed lines that form an 'X'. No conversion options to turn term policies to whole life for no exam policies
• con icon Two crossed lines that form an 'X'. Whole life policy limits are lower

Best no exam life insurance for seniors

Aarp life insurance.

AARP Life Insurance caters to senior clients for insurance and many other financial products. Older adults between 50 and 74 may qualify as long as they are AARP members. Term policies are available with limits up to $150,000 in most states. Montana and New York residents may be eligible for up to $100,000. Whole life policy limits max out at $25,000.

Whole life policies can be issued without any health exams or medical questions. The term policies, on the other hand, may ask some health questions.

• Health questions: For term life policies, but not whole
• Coverage limits: Up to $150,000
• Unique feature: No medical exam policy caters to older adults

Read our AARP Life Insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No medical exams required
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Specialized life insurance coverage for older adults
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No medical exams required, guaranteed coverage available
• con icon Two crossed lines that form an 'X'. AARP membership is required for purchase
• con icon Two crossed lines that form an 'X'. Only small policies available
• con icon Two crossed lines that form an 'X'. Coverage may be based on medical questions and history

Best no exam life insurance for military members

Usaa life insurance.

USAA Life Insurance is typically associated with military members and their immediate family members, but its insurance products are available to anyone. Pricing is lower, payouts are higher, and customer service is strong. Of course, these services are only available to military and qualifying family members. For the children of a deceased military member to use any USAA products, the military member would need to be signed up before their death.

Guaranteed whole life policies are available in 49 states, excluding Montana. USAA life insurance coverage is available from $2,000 to $25,000 with no medical exam or questions. Applicants who want higher coverage limits can explore medical exam policy options with a licensed agent.

• Health questions: No
• Coverage limits: Up to $25,000
• Waiting period: Two years
• Unique feature: Below-market product costs available for military members and qualifying family

Read our USAA Life Insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable pricing starting with $12/month on some policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. May offer coverage to military members other companies won't cover
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers term and permanent life insurance options
• con icon Two crossed lines that form an 'X'. 2 year waiting period for full benefits on some policies
• con icon Two crossed lines that form an 'X'. May focus on death benefits only more than other companies
• con icon Two crossed lines that form an 'X'. All permanent policies are underwritten and serviced by other companies, not by USAA
• USAA offers life insurance for the military, veterans, and the public.

Best no exam life insurance for higher policy limits

Prudential life insurance.

Prudential Life Insurance  offers up to $3 million in coverage for term life policies. Adults up to 60 years old are eligible for coverage with a short application involving some medical questions. For younger applicants, conversion options may also be available later to make term policies into whole life policies. However, due to the higher limits, Prudential's application process may also be longer.

• Coverage limits: Up to $3 million
• Unique feature: High expert and customer rankings with a trusted provider

Read our Prudential Life Insurance review .

Offers aggressive financial plans.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states (New York residents may have different plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can withdraw money to pay for nursing home bills due to severe illness or disability
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable agents who can walk you through your options
• con icon Two crossed lines that form an 'X'. Financial returns are limited
• con icon Two crossed lines that form an 'X'. Limited policy options for seniors and other groups who might struggle to find life insurance

The aggressive financial plans offered by Prudential may appeal to many younger buyers and those with a stable income. However, those with lower income or buyers who aren't sure about the financial system may be more hesitant to engage with Prudential. Like many other industry giants, Prudential is working to change this perception.

Best no exam life insurance for guaranteed acceptance

Mutual of omaha life insurance.

Mutual of Omaha Life Insurance has high financial stability and customer satisfaction ratings across different types of insurance. Guaranteed life policies are available for adults between the ages of 45 and 85. In New York state, the age range is 50-75. Policies can be as small as $2,000 in most states and as large as $25,000 with no health questions or medical exams.

Mutual of Omaha's no medical exam policies have a graded death benefit. If you die within two years of the policy start date, the company will not pay the full policy. Instead, it delivers 110% of the premiums paid. The Mutual of Omaha website boasts same-day payouts on most policies. Policies for children are also available.

• Age: 45-85 (50-75 in New York State)
• Unique feature: Company website lists same-day payment on most claims

Read our Mutual of Omaha Life Insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. diverse whole and term life insurance options
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong financial ratings and company history
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Wide range of riders to customize plans
• con icon Two crossed lines that form an 'X'. online applications not available for term applicants
• con icon Two crossed lines that form an 'X'. May not provide strong investment options for retirement

Best no exam life insurance for waiting periods

Aaa life insurance.

AAA Life Insurance  offers immediate death benefits for qualified applicants between 18 and 75. In other words, once your policy starts, you are eligible for the full policy benefit. Policies are available with limits as low as $25,000 and as high as $500,000. While a medical exam is not required, health questions are.

AAA offers term policies with limits as high as $500,000. For a whole life policy, the limit is $25,000. But applicants can add a rider doubling the payout for accidental death coverage. Younger people have no waiting period for benefits. For applicants over age 45, AAA pays out 130% of the premiums paid up to the date of death for the first two years.

• Coverage limits: Up to $500,000 term/$25,000 whole
• Waiting period: Applies after age 45

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Large life policies available for term customers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Substantial discounts available for AAA members
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong financial ratingSome members may qualify for discounts if combining home and auto policies
• con icon Two crossed lines that form an 'X'. Only small whole life policies to cover a maximum of $25,000
• con icon Two crossed lines that form an 'X'. Non-members may not get competitive rates

How to Choose the Best No Medical Exam Life Insurance Company

The number of life insurance providers can be overwhelming and paralyzing. Asking friends and family about their life insurance policy and using guides like ours can be a great first step toward finding your policy. 

However, guides and recommendations can only go so far in helping you decide which no medical exam life insurance company is best for you. You'll need to take factors like age, medical history, and your financial goals into consideration when you make your decisions. A qualified insurance professional may be able to help you crunch your numbers and find the best policy. 

Coverage Amount

The most important, and most obvious, consideration when choosing a life insurance policy is the payout your loved ones will receive. The coverage you need will often depend on why you want life insurance. If your main goal is to make sure your final expenses are covered, than you'll have plenty of options. However, if you have long-term goals in mind, you may want to consider other life insurance options. 

It's worth noting that no exam life insurance often has limited death benefits, so your options will be limited. 

Policy Type

Generally speaking, most no exam life insurance fits into two types of life insurance policies: simplified issue and guaranteed issue.

Simplified issue : This is ideal for people who want life insurance but have a moderate health condition that may bar them from other insurance options. It's worth noting that some simplified issue life insurance providers enforce graded death benefits, withholding access to your full death benefits for a few years.

Guaranteed issue:  Guaranteed issue life insurance is for older people looking for final expense coverage, which includes funeral and burial expenses. It limits applicants to those who are 50 and above.

Premiums for no medical exam life insurance are generally higher as applicants tend to be high-risk and requirements are lower. You'll want to keep this in mind as you sort through quotes.

Customer Service

You should peruse customer reviews on websites like Trustpilot and the Better Business Bureau while shopping for a life insurance company. You should note how helpful and accessible a company's customer service team is and any issues with receiving payouts. Unresponsive insurance companies are the last thing that anyone wants to deal with after the passing of a loved one.

Why You Should Trust Us: How We Reviewed the Best No Exam Life Insurance

The coverage and riders offered are vital parts of our evaluation. We also look at the speed of payouts, customer satisfaction, and financial strength ratings. All of these factor into the immediate and long-term performance of the life insurance companies we review.

If you're looking for more information about a specific life insurer, our reviews offer a deep dive into individual policies, riders, and more. The same considerations are used for all competitors to ensure readers have the edge to make informed decisions in an ever-changing market.

See our life insurance rating methodology for more details.

Best No Medical Exam Life Insurance FAQs

Most life insurance policies have some waiting period, whether it's a few weeks or longer. However, no medical exam life insurance is sometimes available with no waiting period, and you also have the option to purchase temporary coverage in the interim before your policy takes effect.

There are alternatives to a new medical exam life insurance policy. Insurance agents can quote you medical exam policies if you're denied a no medical exam option. An experienced agent may be able to assess your application before starting the process to avoid official denials. If you're concerned about premium limits, you can explore options like IUL ( indexed universal life ) for permanent life insurance that increases your benefit as long as you make premium payments.

The highest amount of life insurance you can get without a medical exam is lower than what you could get with a medical exam. Guaranteed-issue policies that don't require medical exams typically top out at $25,000 or $50,000 in coverage, while standard life insurance policies can offer millions in coverage.

You'll have to decide whether you prefer a whole or term policy based on your situation if you're getting no medical life insurance. A term policy has an expiration date, and extensions or conversions to a whole life policy are not guaranteed. If anything, your rate may be higher if you try to convert your policy. The insurer looks at you just as it would any other applicant of your age, health, etc. A whole life policy locks in premiums and payouts.

Yes, you can really get life insurance without a medical exam, but your options will be different. That's because you'll need to choose a guaranteed issue policy — a specific type of insurance that lets you bypass the medical exam requirement — and it will probably cost more than a regular policy including a medical exam.

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