Is the travel agency liability insurance provided by the travel agency or is it paid for by yourself?

I majored in insurance. Travel agency liability insurance, as the name suggests, is insurance for the liability of travel agencies. Travel agencies spend money. Since 2010, it has been a national insurance project organized by the National Tourism Administration. In layman’s terms, , once an accident occurs and you want the travel agency to pay for it, the travel agency will ask the insurance company to bear part of it. This kind of insurance is of little significance to the protection of the passengers themselves, because if something happens, the travel agency must be responsible.

If you are going to travel, it is recommended that you buy accident insurance and accident medical insurance. If the risk is not high, you can buy a short-term one, which is cheaper.