Commercial industry
Travel Agency Insurance
A travel agency is paid to put people on the right plane, in the right hotel, with the right visa story. The claim is a missed connection you booked, a resort that did not match the brochure you forwarded, a group that lost a deposit because a supplier failed, or a passport file that walked out the door. That is professional liability and cyber. General liability is the client who trips on the rug in your office — if you still have an office.
We place independent agencies, host-agency advisors, and small group-travel shops. We do not write tour operators that run their own coaches, adventure outfits that put clients on a glacier, or anyone who takes people into a country the State Department has told them not to visit without saying so on the application. If you only advise and book through suppliers, this is the page. If you operate the trip, say that in the first email.
Professional liability for travel is a supplier-failure and advice-error form. We want to see your supplier-vetting process, your terms of sale, and whether you sell travel insurance or just mention it. A group that loses a deposit when a small hotel closes is a different claim from a family that says you booked the wrong dates. Both can land on E&O if the engagement says you were responsible for the outcome. We read the client terms before we bind so the form and the website are not telling two stories.
Cyber covers the passport scans, loyalty-account credentials, and credit-card data that still sit in inboxes. A host-agency model does not make that data disappear — it just moves the question of whose policy responds. We ask who holds the reservation record and who takes payment. Hired and non-owned auto covers advisors who meet clients at a kitchen table. If you have a storefront in a tourist district, the BOP has to contemplate foot traffic and a peak-season contents limit, not a home-office endorsement copied from a consultant.
Washington W-2 staff stay with L&I. Independent contractor advisors need their own professional and cyber and should name the host. We will not pretend a host policy automatically covers every advisor who uses the brand. Seller-of-travel registration in states that require it is a licensing fact we put on the application; it is not a substitute for E&O.
Hotels, advertising agencies, and consultants are the related pages because that is who you look like on a bad day: a hospitality-adjacent advisor who sells other people’s inventory. We write you as a travel professional, not as a generic office.
Risks we actually schedule
- A booking, visa, or supplier-failure claim that the client says was your advice.
- A passport or payment-card file that is breached or left on a contractor laptop.
- A group-deposit loss when a supplier fails and your terms did not shift that risk.
- Host-versus-advisor certificate fights after a claim.
Frequently asked questions
I am a host-agency independent advisor. Do I need my own policy?
Yes. The host’s policy is written for the host. You need your own professional and cyber, and the host will often want to be additional insured.
Does E&O cover a supplier that goes bankrupt?
Only if the form and your terms put that risk on you — and many forms limit supplier insolvency. We read that exclusion before you sell a large group.
We also operate a few local day tours. Same page?
Day tours are an operator exposure: auto, premises, and sometimes a passenger-liability question. Disclose them. A pure booking agency form will not like a surprise van.
Related coverage, industries, and locations
Professional Liability
Errors-and-omissions coverage when advice, design, or a professional service is alleged to have caused a financial loss.
Coverage detailsCyber
Ransomware, data-breach response, forensic IT, notification, and business income after a network event.
Coverage detailsBusiness Owner's Policy
A packaged policy that pairs general liability with commercial property and business income for eligible classes.
Coverage detailsProfessional Consulting
Miscellaneous professional liability, cyber, and a office package for firms whose product is advice.
Industry pageAdvertising Agency
Professional liability, cyber, and a package for shops that sell ideas, media, and production.
Industry pageHotel
Guest premises, property, liquor, garagekeepers, and the income story of a limited-service or full-service hotel.
Industry pageNevada
Licensed commercial insurance broker serving Nevada.
State page