Travel Agent & Tour Operator Frequently Asked Questions

You can complete and submit our applications online. If you prefer to email the completed forms, they can be sent to taplunderwriting@aon.com.

Independent Travel Advisors and Standard Retail Agencies only need to submit the application unless during our initial review, we identify additional information is required.

Tour Operators will need to submit a copy of their booking terms and conditions along with sample brochures/itineraries (if not available online/company website). If you are submitting the online application, we will be in touch following receipt with instructions on how to submit the additional information required.

You will receive an acknowledgement from taplunderwriting@aon.com confirming receipt. If additional information is needed to proceed with our underwriting review, the items required will be included in this email as well.

Coverage terms and binding instructions will be sent from our DocuSign account.

YES! An estimate of your company’s anticipated total gross sales is absolutely required. A quote cannot be provided without this information. Your best estimate for the next 12 months is acceptable for the new business submission.

All information provided in the application should pertain to you and your travel business, as an independent contractor, and not that of your host agency. You can provide us with the name of your host in question #14 and/or #16.

You will need to complete the Tour Operator application. The Independent Standard Tour Guide program is solely for individuals hired by a third party tour company as an independent contractor to guide their programs on their behalf.

Yes, we do for Standard Travel Agency and Tour Operator/Meeting Planner risk classifications. Independent Contractor and Independent Standard Tour Guides are not offered through a broker and must be submitted directly to Aon. Please note, our own program applications are required. We do not accept ACORD forms. You can find downloadable pdf versions of our applications in the Insurance Brokers section of our website.

If you are new to this program, we will need the following information to get your agency appointed. 

• Updated W9 (signed and dated)- 2018 Edition or later required http://www.irs.gov/pub/irs-pdf/fw9.pdf
• E&O Policy Dec Page or current certificate with minimum limits of $1,000,000 per occurrence
• Agency, Corporate and/or Individual Agent Licenses
• Name and email address of person responsible for signing the Unified Producer Agreement

The agency documents and completed applications should be sent to taplunderwriting@aon.com.

Payment is due upon binding coverage.

Payment can be made via check or credit card.  

If your policy is up for renewal, and you are paying by credit card, follow the instructions provided by your underwriter or at the time you received the quotation.

If you received an invoice, you can make a credit card payment by following this link.

To pay by check: 
Aon Affinity Travel Practice
Professional Liability Department
PO Box 6909
Carol Stream, IL 60197-6909

No, we do not accept credit cards on brokered business. Payment must be collected from the insured and submitted via check by the broker.  For time sensitive payments, payment can be made via ACH/Wire. For ACH/Wire Transfer instructions, please email travpro@aon.com.

Please email travpro@aon.com with your payment details (check number, date, amount, and copy of check; Wire Details; or copy of credit card statement).

No, we do not provide payment plans. Please reach out to your assigned underwriter for payment considerations.

You can find the terms for cancellation on form number 00 TAP 0021 and any state-specific amendatory form within your policy documents.

For direct clients, please complete and submit our cancellation request form here.

Cancellation of the policy cannot occur prior to the date the request is received by our office.

This provision states the minimum amount the insurance company is willing to accept to write a policy. In some cases, it may be 50% or 100% of the premium shown on the Declarations page.

Return premiums on brokered business are sent to a broker and they are responsible for distribution to an insured.

No, the policy does not automatically renew. You must complete and return the required renewal forms. Renewal instructions and forms will be emailed to the address on file approximately 75 days before your expiration date.

Unless specifically requested, your renewal quote will not be processed greater than 30 days before expiration. 

We do prefer you to utilize our secure DocuSign system. However, if you are hesitant to do so, you can mail your renewal documents and check payment to the address provided on your renewal documents. Your premium payment must be received prior to the renewal date. Please see FAQ’s under “Payment” for more information.

Our preferred payment method is through DocuSign’s secure site. In the event you are unable to utilize DocuSign, you can call our office with your credit card information. Please note, we will only take your credit card information over the phone after we have received your completed and signed Quote/Policy Order Form. These documents can be mailed, emailed, or faxed to our office.

Your renewal order and payment must be submitted prior to your expiration date in order to avoid a lapse in coverage. If you are past the due date, please reach out to your assigned underwriter for more information on this process.

You can contact your underwriter directly. Their contact information can be found on your renewal documents. If your underwriter is unavailable, you can call our customer service line at 1-800-803-1213.

You can utilize the “Remarks” section of your renewal form to enter any updated contact information. It is also helpful if you point this out in your communication with the completed application.

The policy is designed to defend your company from such a claim under Bodily Injury and Property Damage (Except Auto) but whether a policy will respond depends on whether it is covered claim.

Provided that the policy issued to your company includes Non-Owned & Hired Auto Liability and the accident is determined to be a covered claim, the coverage would apply, subject to the policy terms and conditions.

Professional Liability also known as Errors & Omissions offers coverage for negligent acts, errors or omissions that do not result in bodily injury or property damage claims. Common errors include wrong travel dates, visa and passport issues, sub-standard services or accommodations, misinformation or advice resulting in monetary damages to a customer.

Personal Injury coverage includes the following offenses: false arrest, detention, or imprisonment; malicious prosecution; libel and slander; violation of a right of privacy arising from your travel agency operations.

Yes, the policy automatically includes all owners, employees, and individual independent contractors as Persons Insured for all work they perform on behalf of the insured company.

Our policy does not offer coverage for this type of loss. If you have employees, you should explore Workers Compensation coverage.

Yes, the policy automatically includes all owners, employees, and individual independent contractors as Persons Insured for all work they perform on behalf of the insured company.

Policy coverage is for travel agency and tour operations anywhere in the world. However, in order to qualify for coverage in our program, the insured must be a U.S. entity.

Yes, if your company qualifies and purchases the Advertising Injury endorsement, there is coverage available for claims of Copyright violations, subject to the policy terms and conditions.

The Disablement Contingency Coverage Endorsement is designed to address such a situation and may provide reimbursement for substitute transportation, subject to the policy terms and conditions.

If your policy contains the Sale of Travel Insurance endorsement, the policy offers coverage for certain types of mistakes with regard to the sale or recommendation of travel insurance, subject to the policy terms and conditions.

Click here to initiate a claim.

No, you can send an email with the claim details and any supporting documents to our Claim Department’s email address, TAClaims@aon.com.

• The Insured’s name, address, contact phone number & email
• Current policy number
• Name of the party making a claim against you

Within 24 hours of receiving the claim submission, an acknowledgement letter will be sent to you providing the name and contact information for your assigned adjuster & claim number.

• Copies of the booking documents (invoices, itineraries), 
• Copies of any accident reports, if a matter involves an injury or property damage
• Copies of correspondence (emails, letters) received from any person asserting a claim against you 

Following receipt of the required information and documents requested by your assigned adjuster, a coverage determination will be made and communicated to you.

Generally, an attorney will not be assigned to your case before a lawsuit is filed. Following receipt of your claim, a claims adjuster will be assigned to handle the matter. Assuming coverage exists, the claims adjuster will either attempt to settle the matter with the claimant or deny it to the claimant based on the absence of liability.

Send the information to our office immediately for review.

As long as coverage is available under the policy for the allegations being made in the lawsuit, we will assign an attorney to represent your interests in this matter. The policy will not pay for or reimburse you for hiring your own personal attorney.

Depending on the deductible terms of your policy, there may be an amount for which you will be responsible.

No, do not make any payments to a client until you have discussed the situation with a claim professional. If a client is making time-sensitive demands, call our office, 800-797-4514, option #3, to speak with a claim professional.

No, we are unable to provide you with legal advice. We can discuss claim situations with you and provide information based on our years of travel industry claim experience.