What is travel agency liability insurance, and what does it include?

Although traveling with a group saves a lot of worry, there are still many unexpected risks. In order to further improve your protection, I suggest you buy a suitable travel insurance in time. What is the meaning of travel agency liability insurance and what is its coverage?

Travel agency liability insurance is a kind of insurance that covers the legal liability of travel agencies for accidents caused by negligence or negligence in organizing tourism activities. The insured of this insurance is a travel agency, and all kinds of organizations or companies without travel agency business license can not insure travel agency liability insurance. After insurance, in the event of a liability accident, the insurance company will compensate the innocent injured passengers at the first time. However, there is a premise for travel agency liability insurance to compensate, that is, when the personal and property losses suffered by tourists are caused by the travel agency's responsibility, compensation will be made. The insurance company will not bear the compensation for the losses caused by tourists' personal faults or natural disasters, as well as the losses and damage of some property that is difficult to identify, so tourists need to take out an additional suitable travel insurance for themselves. Pay attention to the following points before insurance:

1. Select the insurance period according to the travel time.

2. It is very important to see clearly the scope of insurance coverage, what is guaranteed and what is not guaranteed, especially the exemption clause.

3. The insured amount must be sufficient. Some people are used to buying the usual 6,543,800+accidents and 5,000 yuan medical insurance, which can't really protect them, because people buy insurance in the hope of getting compensation beyond their ability to pay. If the insurance coverage is low, they can't really be protected. Therefore, it is recommended to buy travel insurance products with an accident amount of more than 200,000 yuan and accidental medical treatment of more than 20,000 yuan, so that you can really rest assured.

4. Pay attention to buying convenient and quick travel insurance. Traveling requires a lot of preparation. If you spend too much time buying insurance, it will take a lot of time, and people will be very tired and uneconomical. Online insurance, rich products, simple and convenient insurance. Traveling with travel agencies, it is not enough to buy only travel agency liability insurance, but also to buy a suitable travel insurance. Through the purchase, not only the premium is cheap, but also the later claims service is guaranteed. -Ping An Travel Accident Insurance (a) Coverage: * accidental death and disability 654.38+10,000 * acute death 654.38+10,000 * accident and acute medical treatment 30,000 as low as: Huatai Global Travel Protection Plan (except North 3 yuan) (economical) Coverage: * accidental injury 654.38+10,000 * medical protection 300,000.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.