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Travel Agency Insurance
Customized insurance for travel agents
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Get tailored travel agents insurance coverage
As a travel agent, you work in a fast-paced industry where plans can change in an instant. From last-minute bookings to flight cancellations, risk is part of the job. Having the right insurance helps protect your business so you can focus on creating great experiences for your clients.
What is travel agency insurance?
Travel agency insurance is a customized collection of business insurance coverages that can protect travel professionals from accidents, lawsuits, property damage, and other issues that arise from their work. Whether a client claims you made a booking error, or a data breach compromises customer information, Progressive Commercial has the coverage you need to keep things moving.
Discover more about business insurance for travel agencies and let our experts help curate a policy for your specific needs. Give us a call or start a quote online for coverage.
Why do travel agents need insurance?
Running a travel agency comes with unexpected challenges like cancellations, missed connections, and itinerary changes. A personalized insurance plan from Progressive Commercial helps protect your business, customers, and personal assets when those situations lead to claims, mistakes, or financial loss.
Certain insurance policies may be required by host agencies, tour operators, or state regulations. For instance, travel agents accredited to sell airline tickets often need travel agent errors and omissions insurance. Also called professional liability, this coverage can help with booking mistakes and claims of negligence. Be sure to review your contracts, industry guidelines, and local laws to see what you'll need.
Do travel agencies need a certificate of insurance (COI)?
In many cases, yes. If your travel agency leases office space, a landlord may require a certificate of insurance to confirm you have coverage. Liability insurance can help protect both you and the landlord if a customer is injured or their property is damaged at your business. You may also need a COI when working with large corporate clients, who often require proof of insurance before starting work.
Who needs travel agency insurance?
Travel professionals who coordinate vacations for their clients can benefit greatly from travel agency insurance. Businesses that should consider this coverage include:
- Travel agents
- Cruise specialists
- Destination event planners
- Tour operators
- Online travel agencies
- Corporate travel planners
If your job is getting people where they need to go, Progressive Commercial can help with insurance designed for your business. We're here to support you, no matter if you're a small startup agency, sole proprietor, or LLC.
Types of insurance for travel agencies
Whether you specialize in adventure tours, luxury excursions, or family-friendly cruises, you need to protect your business, clients, and reputation. Consider these common coverages for travel professionals to find what's right for you.
General liability (GL)
Protects you from harm caused to third parties
General liability (GL)
Protects you from harm caused to third parties
General liability insurance can protect you if a client gets hurt or their personal property is damaged because of your business. It also covers personal and advertising injury claims, such as slander, libel, and copyright infringement. Learn more about the benefits of GL and how much general liability costs.
Example: You create an ad campaign using destination photos that a travel bureau shared with you. A professional photographer sues you for publishing their work without permission. General liability could cover legal costs to settle the claim.
Business owners policy (BOP)
Packages liability and property coverage in one flexible policy
Business owners policy (BOP)
Packages liability and property coverage in one flexible policy
A business owners policy combines liability protection with commercial propertycommercial property insurance, which covers your building and business personal property like computers, furniture, and more. It also includes protection for business interruption.
This policy is ideal for small and mid-sized travel agencies and trip advisors who want coverage that's easy to manage. You can also customize your BOP coverages with add-ons for things like miscellaneous professional liability.
Example: A storm knocks out power to your office, forcing you to close for a week. Business interruption coverage on a BOP can help pay for lost revenue, rent, and payroll until you can get back up and running.
Professional liability
Covers mistakes, miscommunications, and oversights
Professional liability
Covers mistakes, miscommunications, and oversights
Professional liability insurance, also called errors and omissions (E&O) insurance for travel agents, protects you from various claims, such as negligence, booking errors, and failure to deliver services as promised. It can also cover attorney fees and court costs. See professional liability pricing to find out how much errors and omissions insurance can cost travel agents.
Example: You accidentally book your client's flight for the wrong day and they miss their cruise. If they sue for lost money, E&O insurance for travel agents could cover the costs and keep your reputation in good standing.
Workers' compensation
Supports employees with on-the-job injuries
Workers' compensation
Supports employees with on-the-job injuries
Workers' compensation insurance helps cover medical expenses and lost wages for staff members who get injured or sick because of work. Most states require businesses with employees to carry it. Learn more about workers' comp requirements in your state to see what you need.
Example: A vet tech slips and breaks their arm while performing a routine wellness check on a cat. Workers' comp can help pay for their treatment and cover a portion of their lost wages until they can return to work.
Cyber
Protects client data, software, and operations
Cyber
Protects client data, software, and operations
Cyber insurance can help pay for a digital disruption that compromises customer data, such as travel itineraries. Cyber coverage may include IT recovery, lost income from downtime, and related lawsuits.
Example: Someone illegally accesses your computer system and steals passport and payment information. Cyber insurance can pay for credit monitoring, recovering clients' data, and legal costs if the client files a claim.
Workers' compensation
Covers employee injuries and lost wages
Workers' compensation
Covers employee injuries and lost wages
Workers' comp insurance can pay for lost wages and medical expenses if a member of your team falls ill or gets hurt because of their job. Many businesses with employees are legally required to carry it. See how much workers' comp costs and review state workers' comp requirements to review the laws where you live.
Example: An employee slips on a hotel pool deck while checking out a property for a client and suffers a concussion. Because the off-site visit is work-related, workers' comp could pay their medical bills and a portion of their lost income.
Commercial auto
Protection for business vehicles and drivers
Commercial auto
Protection for business vehicles and drivers
If your agency uses vehicles to shuttle group tours, attend events, or transport clients, commercial auto insurance can cover injuries or property damage if you cause an accident. Get a quote with Progressive Commercial, America's #1 commercial auto insurer.*
Example: While transporting clients to the airport, you rear-end another vehicle. With the right commercial auto coverages, you can pay for your clients' injuries and repairs to both vehicles.
Independent travel agents need coverage, too
If you're an independent contractor with a larger host agency, check their policy to see if you're covered. Ask for their COI to review their limits and deductibles. That can help you decide whether their insurance offers enough protection or if you need your own. Not sure? Progressive Commercial experts can help you understand what's right for your business.
How much does travel agency insurance cost?
The cost of business insurance for your travel agency will vary, but with Progressive Commercial, you can find a policy that fits your budget. Your premium is calculated based on key factors, such as:
- Business size and revenue
- Services offered
- Business location
- Coverage types
- Insurance limits
- Claims history
When estimating how much you'll pay, be sure to consider the cost of commercial auto and explore available insurance discounts. We offer flexible, affordable options that help you choose the coverages and policy limits you need.
Travel agency insurance through Progressive Commercial
You put your all into planning unforgettable trips. We'll give you the same care and attention. As a trusted provider for over 50 years, we'll work with you to find solutions that best fit your travel agent business. Start an online quote with Progressive Commercial to see how adjusting coverage options and limits impacts your rate. For more support, call 1-888-806-9598 to talk to one of our insurance experts.
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