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Travel agencies assist clients with their travel plans by booking reservations such as airline and train tickets, hotels, car rentals, tours and cruises. They may also market tour packages offered by separate companies and provide advice related to creating travel itineraries. Travel agencies may specialize in booking business or commercial travel.

General Liability Insurance for Travel Agencies – Travel agencies may face lawsuits if customers are injured at the agency’s office. Customers may suffer injuries as a result of trips and falls, contact with sharp objects, or toppling merchandise and/or displays. Floors should be clean and free of defects and debris. In addition, if the travel agency hosts tours, it could be held liable if a participant is injured or killed while traveling.

Professional Liability (Errors and Omissions) Insurance for Travel Agencies – Travel agencies could be held liable for a variety of mistakes, such as incorrectly displaying airline names, times and dates; overbooking; failing to disclose certain conditions of a destination and recommending an unsatisfactory excursion.

Business Auto Insurance for Travel Agencies – Travel agencies will typically have minimal business auto risks, usually resulting from employees running errands for the office. However, if travel agencies host tours where bus or other vehicle travel is included, they could be held liable should an accident occur. Tour bus drivers should have regularly checked MVRs and valid drivers licenses.

Workers’ Compensation Insurance for Travel Agencies – If workers complete all work activities in the travel agency’s office, the Workers’ Compensation risks are low. Risks are typical of most offices including repetitive motion injuries to fingers, hands, arms, necks, shoulders, and back from the use of computer keyboards, mouse, and computer screens. However, if travel agents and their employees leave the office for work-related purposes, the chance of an injury occurring is greater.

Property Insurance for Travel Agencies – A fire can occur in a travel agency office in the event of a power surge, lightning, faulty wiring or overheating. If the building is constructed of fire resistive and non-combustible materials such as masonry, then the risk of fire loss is decreased. If a loss occurs during travel season that prevents the agency from doing business, business income losses can be high. If the agency uses printed tickets instead of electronic tickets and stores them in the office, the possibility of theft is high.

Crime Insurance for Travel Agencies – Employees of travel agencies may use the company to take unauthorized trips or steal money from their employer. To prevent employee theft as well as theft of money and securities from outsiders, travel agencies should make frequent deposits, balance records and make regular audits. Outsiders may also use invalid credit cards or checks to pay for travel services and trips. Travel agents should use the latest technology for identifying fraudulent or invalid credit cards and checks.