You can’t prevent the unexpected from happening before or during your trip, but you can protect yourself if it does.

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Travel Insurance

Medical treatment or lost luggage can leave you with unexpected and expensive bills, such as emergency evacuations that can cost tens of thousands of dollars. Despite the best planning, events that are out of your control can derail your trip. If you need to cancel your trip, be sure you have travel insurance!

Travel Insurance Can Help With The Financial Impact Of These Unexpected Circumstances, As Well As Provide Assistance In An Emergency.

Tour Guide Liability Insurance

If you are an independent contractor and not an employee of a Tour Operator, there’s a good chance you could be on your own in the event of a problem, mistake or mishap. Don’t risk the legal implications when you can get annual coverage, often for less than the hourly cost of a lawyer.


  • Trip cancellation and interruption benefits

  • Lost and delayed baggage benefits

  • Coverage for pre-existing conditions, if purchased within 21 days of initial trip deposit

  • Emergency accident and sickness medical coverage

  • Medical and security evacuation coverage

  • 24 / 7 / 365 phone assistance

To access multiple insurance options, fill out the form to get an immediate quote. Note: (works best on Google Chrome platform)

  1. Fill out the form with your state, trip cost, age of those traveling, departure date, return, deposit date then click “Get Quote”
  2. Click on “Buy Now” to compare different plan rates


If you are a 1099 independent contractor and not an employee of the tour operator, there is a good chance that you could be on your own in the event of a problem, mistake or mishap. 

The possibility exists that both the company that hired you as well as an individual tour participant can pursue you legally for the problem, they believe that you have created.

 Therefore, being insured is important.

The following are some examples of situations which could likely result in a claim against the tour guide.

  • The injury of death of a tour participant
  • A missed or delayed arrival at a destination, or deviation from the planned itinerary that results in additional costs for the tour participants or tour operator
  • Alleged failure and negligence in performing your services

This policy, in most cases, may cost less than hiring an attorney for just one hour, to help you through an unfortunate situation.

  • $450 annually: $500,000 per occurrence/ aggregate ($500 deductible)
  • $595 annually: $1,000,000 per occurrence/aggregate ($500 deductible)

Aon TravPro’s Independent Program for Standard Tour Guides offers worldwide coverage for errors or omissions and bodily injury or property damage claims that occur while providing professional services.

With 40+ years of experience in the travel and tour insurance industry we have played a major part in developing the industry’s current risk management protocols and have a deep understanding of the specific
risks uniquely associated with tour guides and the travel industry.


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