Professional Liability, 'E & O' Insurance


Sample Claims & Claim of the Month

Coverage Overview

This important policy provides comprehensive coverage for "all operations necessary and incidental" to a travel agency or tour operation, except for claims that are specifically excluded. It responds to covered claims and lawsuits brought anywhere in the world. 

Aon Affinity's Travel Practice is the largest provider of this protection to the industry, offering its insured clients the peace of mind associated with a sound, stable program. Having managed this specialized line of insurance coverage since 1977 under the "Berkely" name, Aon now continues to offer its clients unparalleled experience in underwriting, claims handling, and policy structuring, all aimed at meeting the unique exposures faced by today's travel companies.

Considered a leader in the travel industry insurance arena largely in recognition of its uncompromising emphasis on service and reliability, dozens of travel agency and tour operator organizations support the program as a preferred supplier. The travel industry has repeatedly demonstrated its confidence in our expertise by inviting our staff members to provide liability and risk management seminars at a host of industry gatherings.

The program is underwritten by an insurer dedicated to offering products to fit the unique coverage needs of professionals such as Travel Agents and Tour Operators while enjoying excellent ratings from A.M. Best Company in recognition of their financial stability and management quality.

Four Major Coverage Parts:
  • Bodily Injury & Property Damage Liability
  • Certain Forms of Non-Owned/Hired Auto, Aircraft and Watercraft Liability
  • Errors & Omissions
  • Personal Injury Liability

Per occurrence limits ranging from $300,000 to $5,000,000, subject to an aggregate policy limit. Excess limits also available through other A rated carriers.

Deductible options from as low as $500.

Worldwide Protection; written on the preferred "Occurrence Type" Policy Form.

"First Dollar" Defense Costs Available - No deductible payment is required by the insured toward legal costs to defend covered claims. The insurance company pays for all its incurred legal expenses spent on the insured's behalf, without reducing the policy limit.

Principals, Employees, Tour Conductors and Guides as covered persons insured. Coverage for Independent contractor salespeople available also.

Competitive Pricing with premium credits available.

Prompt, Effective Claims Handling with access to some of the most well known & respected legal counsel specializing in travel related law.

Partial List of Significant Exclusions: for liability arising out of bankruptcy; claims brought by one insured against another insured under the same policy; co-mingling of funds; failure or inability to pay or collect funds; owned auto, watercraft & aircraft; standard pollution liability; unauthorized credit card transactions; workers compensation.

Administered Exclusively by: Aon Affinity's Travel Practice

All coverage is subject to underwriting according to each particular applicant's operations. Coverage availability may also vary by state, province or country. Only an actual policy describes complete terms and conditions. This general overview is a description of what may be available for qualifying retail travel agency applicants within the 50 United States and NO REPRESENTATION IS MADE AS TO WHAT WOULD OR WOULD NOT BE COVERED ON A PARTICULAR COMPANY'S POLICY. Please contact an insurance professional for further information on appropriate coverage AND REFER TO AN ACTUAL POLICY FORM FOR COMPLETE TERMS, CONDITIONS AND EXCLUSIONS