What is the insurance period for travel agency liability insurance?

The travel agency liability insurance period is one year. This period is clearly stipulated in special provisions. Its liability insurance period is one year. The travel agency should renew the insurance in time before the expiration of the contract. This insurance mainly means that if the travel agency causes losses to tourists due to fault or negligence during the trip, it should compensate according to the law.

The insurance period is simply the validity period stipulated in the insurance contract. It is generally calculated from zero o'clock on the effective date of the contract. The starting time and ending time are both stated in the insurance contract. The insurance period can also be called the guarantee period and the guarantee period. These three words express the same concept.

The liability period is calculated from the day the insured suffers an accidental injury. It is generally a fixed one hundred and eighty days, or a cumulative one hundred and eighty days. The liability period is a unique concept in accident insurance, which is different from the insurance period.

The difference between travel liability insurance and travel accident insurance

(1) The policyholders are different.

The policy holder refers to the person who enters into an insurance contract with the insurer and is obligated to pay the insurance premium in accordance with the insurance contract. The policy holder of "accident insurance" is a tourist, and the travel agency only collects and pays the insurance premium, which is equivalent to an agent. In the travel contract, the travel agency can directly list the insurance premiums for tourists to pay. The policyholder of "liability insurance" is the travel agency, and the insurance premium is paid by the travel agency and included in its cost;

(2) The insured is different.

The insured refers to the person whose property or person is protected by the insurance contract and who has the right to claim insurance benefits.

After an insured accident occurs, tourists have the right to claim for "accident insurance" insurance money, that is, the insurance company will directly pay compensation to the tourist himself; the travel agency has the right to claim for "liability insurance" insurance money, that is, the travel agency still has to fulfill its liability to compensate the tourists. , the insurance company only pays the insurance premium to the travel agency for the agreed amount;