Professional Indemnity Insurance for Travel Agents

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What Is Travel Agent and Tour Operator Professional Indemnity Insurance?

Professional indemnity insurance for travel agentsProfessional indemnity insurance for travel agents, also known as professional liability insurance, helps protect your business from lawsuits related to the professional services you’ve provided. We know that travel agents and tour operators try to run their businesses perfectly, but unfortunately, that isn’t always possible. When a mistake happens, it often results in a client facing financial loss, for which they can sue.
Professional liability insurance can help cover claims of:
  • Inaccurate advice
  • Misrepresentation
  • Negligence
Did you know you can still get sued even if you didn’t make a mistake in your professional services? That’s why this type of insurance is important to have. Without it, you’d have to cover certain liability claims out of pocket, which can be very costly.
You may have heard different names for professional liability insurance, like:
Even though there are different names for professional liability insurance, they all refer to the same coverage.

Why Do Travel Agents Need Professional Liability Insurance?

Travel agents and tour operators work closely with clients to bring their vacation plans to life. This includes:
  • Finding transportation
  • Developing an itinerary
  • Booking lodging
Mistakes can happen during the planning process, though. That’s why travel agencies should make sure they have professional liability insurance. This coverage can help if:
  • Your tour operator books a family’s return flight on the wrong day, making them book new flights.
  • A client sues your small business after they find out their hotel stay was set up for the wrong number of nights.
  • Your travel agent forgets to check a client’s itinerary before their trip, so doesn’t realize that the schedule doesn’t cover the client’s entire vacation.

What Does Travel Agent Professional Liability Insurance Cover?

Travel agent professional liability insurance can help cover claims arising from the professional services given. This includes:
  • Work mistakes
  • Undelivered services
  • Failure to protect a client’s personally identifiable information (PII)
If your business gets sued, professional liability insurance can help pay for your:
  • Legal costs
  • Defense fees
  • Judgments
  • Settlements

What Other Types of Insurance Should Travel Agents Have?

Professional liability insurance doesn’t cover every kind of claim that your business may face. So, it’s essential to have other types of insurance to give your travel agency well-rounded protection. You may want to consider these business insurance policies to make sure your travel agency is best protected:
General liability insurance to help protect your small business from claims that it caused:
  • Bodily injury, like a slip and fall in your business
  • Property damage to someone else’s belongings
  • Personal injury, like libel and slander
Commercial property insurance, which helps protect your owned or rented building and equipment used to operate your travel agency. This includes:
  • Computers
  • Muebles
  • Online software
  • Cloud services
  • Printers
  • Faxes
  • Tablets
Workers’ compensation insurance to help your employees recover from a work-related injury or illness. This coverage provides benefits that can help:
  • Pay for medical expenses
  • Replace lost wages
  • Cover ongoing care costs, like surgeries
Data breach insurance to help your travel agency respond to a breach if PII gets lost or stolen. Some insurers call this coverage cyber liability insurance.

How Much Does Travel Agent Errors and Omissions Insurance Cost?

Travel agent errors and omissions insurance costs vary . That’s because every travel agency is different. Your cost can range between $150 and $2,150 or more. Insurance companies use different factors to determine errors and omissions costs. This can include:
  • Years in business
  • Claims history
  • Number of employees
The best way to find out your business’ cost is to get a professional liability insurance quote.

Get a Quote for Professional Liability Insurance for Travel Agents

travel agent professional liability insuranceWe’re an insurer with over 200 years of experience and have helped over 1 million small business owners across the country. Our specialists can work with you to help you get the right coverages for your travel agency. Reciba una cotización today for errors and omissions insurance for travel agents and see how we can help protect your small business.
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