Tailored Insurance For Travel Agencies, Tour Operators, Tour Companies and Tour Guides
With so few insurance brokers specialising in the area of insurance for tour operators, it’s important to choose a broker who understands the industry. AIB has helped some of the most well-known tourism businesses in Australia reduce their risks and protect their business reputation. We can develop and provide a Tour Operator Insurance package tailored specifically to your needs.
Whether you run a tourist attraction, offer equipment hire or guided tours of the amazing natural wonders of Australia, our Tour Company Insurance packages are recognised for the range of settings that they cover. This package is suitable for tour guides, tour companies and tourism businesses throughout Australia.
It is designed to cater for the business insurance needs of small-to-medium sized tourism businesses and allied service providers in the modest to medium risk categories.
Who Do We Cover
We can cover all manner of tourism-focussed companies from individual tour guides to museums and art galleries. This includes:
Tour Guide Insurance for
- City and sightseeing tours
- History and heritage tours
- Sports ground and stadium tours
- River tours including canoes, stand up paddle board and kayak tours
- Themed tours including ghost and mystery tours
- Cycling tours (including e-bikes)
- Photography tours
- Birdwatching tours
- Walking tours including bushwalking
Tour Company Insurance covering:
- Zoos and wildlife sanctuaries
- Aquariums
- Farms
- Museums
- Art galleries
- Wineries
- Aboriginal tourism operators with campgrounds up to 20 sites
- Farmers markets
- Food and wine tour operators
- 4WD Training, Tag-a-long and camping tour companies
- Aboriginal cultural activities
- Bus tour companies
- Health retreats
- Surf schools
Insurance For Travel Agencies including:
- Corporate / business travel agencies
- Inbound tour operators
- Outbound travel agencies
- Airport / hotel transfer companies
- Group and escorted tour agencies
- Luxury travel consultants
- Special interest travel agencies
- Booking service and tour organiser
- Adventure / experience travel specialists
- Travel agency and booking agents
What Does the Tour Company Insurance Package Cover?
The AIB Tour Operator Insurance Package includes cover for:
- Supplementary Legal Expenses Cover $100,000
- Statutory Liability Cover $50,000
- Guests and passengers property in the operator’s control up to $250,000
We can write business insurance cover for anywhere in Australia, and ensure competent, satisfactory claims support no matter where you are.
AIB Insurance Brokers uses only authorised Australian based Insurers.
What insurance does a travel agency need?
The insurance a travel agency needs will depend on the services it provides, the size of the business and the risks involved in arranging travel. In many cases, a travel business may need a mix of professional indemnity insurance, public liability insurance, cyber insurance, management liability insurance and general business insurance. For businesses employing staff, workers’ compensation may also be required. The right cover will depend on whether the business acts purely as an intermediary or also organises and delivers travel services directly.
What is professional indemnity insurance for travel agents?
Professional indemnity insurance for travel agents is designed to protect against claims arising from alleged negligence, errors, omissions or breaches of professional duty in the services or advice provided. This could include claims relating to booking mistakes, incorrect travel information, documentation issues or advice that causes a client financial loss. It is often an important part of insurance for travel agencies
What types of tour operators require travel agency insurance?
A wide range of businesses may need tour operators insurance or similar travel industry cover. This can include inbound tour operators, outbound tour companies, adventure tour providers, sightseeing operators, eco-tourism businesses, educational tour organisers, cultural tour businesses, day tour operators and group travel organisers. Any business involved in planning, booking, coordinating or delivering travel experiences should consider insurance that reflects the nature of its operations.
Do AIB Insurance Brokers also manage claims?
Yes. AIB Insurance Brokers supports clients through the claims process as part of its service. If something goes wrong, the team can help liaise with insurers, explain what information is needed, assist with documentation and help keep the process moving. Having broker support during a claim can make things less stressful and help your business respond more efficiently.
Why do travel agencies and tour operators need specialist insurance?
Travel businesses face risks that can be quite different from those in many other industries. These may include booking errors, supplier disputes, client injury claims, property damage, cyber incidents and allegations of negligence. Insurance for travel companies should be tailored to the services provided so that important exposures are properly considered rather than relying on a generic business policy.
What does tour company insurance usually cover?
Tour company insurance can include several types of cover depending on the business model. This may include professional indemnity, public liability, cyber insurance, business property cover, management liability and business interruption insurance. The right mix will depend on whether the business books travel, operates tours directly, employs guides, uses contractors or manages customer payments and data online.
Do online travel businesses need insurance too?
Yes. Online travel agencies, booking businesses and digital-first travel companies can face many of the same risks as traditional operators. They may also have additional exposure to cyber threats, privacy breaches and online transaction issues. That means insurance for travel companies operating online should consider both professional risks and technology-related liabilities.
Do small tour operators need insurance?
Yes. Even a small or owner-operated business can face significant risks. A customer injury, professional error, supplier issue or cyber incident can lead to substantial costs. Appropriate tour operators insurance can help protect smaller businesses from financial exposure and give owners greater confidence as they grow.
What is the difference between public liability and professional indemnity insurance?
Public liability insurance generally covers claims involving third-party personal injury or property damage arising from business activities. Professional indemnity insurance is different because it is designed to respond to claims alleging financial loss caused by professional advice, services, errors or omissions. Many travel businesses should consider both forms of cover.
How do I choose the right insurance for a travel company?
Choosing the right insurance for a travel company starts with understanding the services your business provides, where you operate, whether you use staff or contractors and the types of risks you may face. Working with an experienced broker can help ensure your cover is aligned with your operations and that important exposures are not overlooked.
