Travel personal injury compensation, travel agency liability issues

If a traveler is harmed during a group tour organized by a travel agency, the travel agency’s responsibilities are as follows:

Travel agency liability insurance covers the damage caused by the travel agency’s negligence and negligence in the process of organizing travel activities. The type of insurance that bears legal liability for accidents, and the insured of this type of insurance is the travel agency. After purchasing insurance, if a liability accident occurs, the insurance company will compensate the innocent injured passengers as soon as possible. Travel agency liability insurance has a strong social welfare aspect.

The travel agency liability insurance nationwide unified insurance demonstration project*** is insured by China People's Property & Casualty Insurance Co., Ltd., China Pacific Property & Casualty Insurance Co., Ltd., China Ping An Property & Casualty Insurance Co., Ltd., and China Continent Property & Casualty Insurance Co., Ltd. Co., Ltd., China Life Property & Casualty Insurance Co., Ltd., Taiping Property & Casualty Insurance Co., Ltd., etc., *** Insurance will provide insurance services to all travel agencies that voluntarily participate in the unified insurance demonstration project. Among them, PICC Property & Casualty Co., Ltd. was selected as the chief underwriter and received 45% of the insurance share, China Pacific Property & Casualty Insurance Co., Ltd. received 15% of the insurance share, and the remaining four insurance companies each received 10%. .

The relevant person in charge of the National Tourism Administration said that the implementation of nationwide unified travel agency liability insurance will better protect the interests of tourists and improve the level of tourism management.

The policyholder qualification requirements for travel agency liability insurance and travel accident insurance are different. Travel agency liability insurance policyholders (same as the insured) must be registered in accordance with the law within the territory of the People's Republic of China and the People's Republic of China, and hold a travel agency license. Currently, there are more than 20,000 companies across the country that have business licenses that meet this qualification requirement. They can purchase travel agency liability insurance and enjoy basic protection.

However, various organizations or companies that do not have a travel agency business license, such as clubs, self-guided travel organizations, conference companies, etc., are not allowed to insure travel agency liability insurance, so there are great risks in the process of organizing travel. Hidden danger. Although such groups generally state that they bear their own risks and take care of their own insurance before organizing travel activities, when an accident actually occurs, the responsibility of the organizer is often unshirkable.

The policy holder of travel accident insurance can be a legal person or a natural person. As long as the insured (tourist) agrees with the policy holder to insure it, it meets the requirements and can be insured. After purchasing travel accident insurance, you can transfer the risks caused by accidents within the scope of insurance liability, reducing or making up for the losses of travel organizers.