Travel Agent & Tour Operator Liability Insurance Program
A Guide to the Aon Travel Agent & Tour Operator Liability Plan
A travel agent booked clients on a tour package to San Jose, Costa Rica, but mistakenly booked air travel to San Jose, California. A client did not have the proper passport and was denied boarding their flight. A client drowns while swimming in rough surf in Hawaii.
What do all of these situations have in common? They all resulted in insurance claims covered by the Aon Travel Agent & Tour Operator Liability program. What makes the program special is its customization for the travel industry. What makes our people special is their knowledge and commitment to our clients.
The TravPro program provides worldwide protection
for qualifying travel agencies, tour operators, meeting planners and independent contractors.
- Errors and Omissions: Protects against allegations of negligence in the performance of your professional services that result in a client suffering harm.
- General Liability: Protects against claims or suits of bodily injury or property damage.
- Non-Owned & Hired Auto Liability: Coverage for bodily injury or property damage claims arising from ground transportation arrangements such as airport transfers, car rentals and motor coach transportation.
- Personal Injury Liability: Coverage for claims alleging libel, slander, false arrest, invasion of privacy, and wrongful eviction.
- Host Liquor Liability: Protection for bodily injury or property damage arising out of the serving or distribution of alcoholic beverages by someone not engaged in this activity as a business.
- Fire Legal Liability: $50,000 of liability included for damage by tenants to owner's building.
- Up to $5,000,000 per occurrence/$5,000,000 annual aggregate policy limits for qualifying applicants.
- Flexible deductible options available
- Legal Defense paid in addition to policy liability limits
- Advertising Injury Liability: Covers certain copyright and trademark infringement claims.
- Crisis Response & Emergency Assistance Reimbursement: Reimburses up to $25,000 due to the interruption of a scheduled tour as a result of a fire, natural disaster, injury or fatality which results in emergency travel or other covered expenses.
- Disablement Contingency Coverage: Pays up to $10,000 to secure alternative transportation due to a disabled vehicle.
- Extended General Liability Endorsement: Adds contractual liability and medical payments.
- Misquotation or Misstatement of Price Endorsement: Pays up to $5,000 per occurrence, up to $15,000 aggregate, for prices, including fees, charges, taxes or failure to secure promotional offers.
- Sale of Travel Insurance: Protects against certain alleged errors in connection with the sale or recommendation of a travel insurance product.
Adding optional coverage may result in higher premium. Not all coverages are available in all states and to all applicants and policyholders.
The following claims were paid under the Aon TravPro program:
- A client slipped and fell on a slippery shower tent floor while on a safari. She sued her tour operator. Though our insured won in court, the matter took several years to resolve.
Legal expenses: $178,821.
- While on a fishing trip in the Caribbean a rogue wave capsized the boat killing three of the four people on board. The deceased’s estate filed suit.
Claim payment: $325,000.
- While booking an annual hotel contract for an airline crew, the travel agent listed the incorrect start date, resulting in higher room costs for the airline for a one-month period.
Claim payment: $100,027.
- A group of clients who had booked a weekend ski trip alleged the hotel staff and some of the tour operator’s staff made disparaging, discriminatory remarks about their group.
Claim payment: $105,605.
- An agent advised a client he would need a birth certificate to travel, and assumed they would secure a copy, but they failed to do so. The client sued for the cost of his airfare and the cruise line.
Claim payment: $5,070.
- A student tour participant hung clothes from a hotel room’s sprinkler head causing the hotel’s sprinkler system to go off damaging several rooms.
Claim payment: $6,746
Claims examples are for illustrative purposes only. Coverage is subject to policy provisions.
There are two types of liability policy forms: occurrence and claims made.
Occurrence policies offer coverage for claims that occur during the policy period. Even if the policy has expired or been canceled, if the incident occurred while the policy was in force, coverage is available. Claims can be reported after the policy expiration.
Under a claims-made policy, a claim for damages must first be made against an insured during the policy period or during an extended reporting period. Once the policy expires, coverage expires.
Because of its flexibility and its cost-effectiveness, Aon TravPro only offers an occurrence form.
Insurance carriers rated "A" (Excellent) by A.M. Best are available in all states in order to provide you with peace of mind.