--- title: "Insurance Buying Guide for Travel, Leisure, and Tourism Businesses" description: "Practical quote checks for trip organizers, tours, activities, and travel marketplaces handling deposits, venues, suppliers, and transportation." canonical: "https://thegeneralaverage.com/industries/travel-leisure-and-tourism" page-type: "industry-guide" updated-at: "2026-09-28" industry: "travel-leisure-and-tourism" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/industries/travel-leisure-and-tourism) ## Agent Guide **What this page is:** Buying guide to the business insurance a Travel Leisure And Tourism business typically considers: coverage checklist, risks, provider comparison and common questions. **Use this page when:** Answer what insurance a Travel Leisure And Tourism business needs, or route to coverage guides, providers and industry FAQs for that industry. **Questions this page answers:** - What insurance does a Travel Leisure And Tourism business need? - General Liability Insurance for Travel, Leisure and Tourism - Professional Liability (E&O) Insurance for Travel, Leisure and Tourism - Commercial Auto Insurance for Travel, Leisure and Tourism - Commercial Property Insurance for Travel, Leisure and Tourism - Workers’ Compensation Insurance for Travel, Leisure and Tourism **Key facts:** - Sections: Which Insurance Should You Consider for Travel, Leisure and Tourism?; From Spot; Before a Travel Business Takes Deposits or Sells in California; Before a Travel Business Adds a Tour, Venue, or Supplier; Which Providers Should You Compare for Travel, Leisure and Tourism?; Common Questions About Insurance for Travel, Leisure and Tourism; Verticals Related to Travel, Leisure and Tourism; Sources and Further Reading for Travel, Leisure and Tourism. - See "Sources and Further Reading" for citations. **Limits (do not over-claim):** - Lists coverage worth discussing; it does not confirm a business qualifies for or needs any policy. - Provider ordering averages Reliability Score and Review Score; scores describe the provider, not an individual policy or quote. - Legal requirements (e.g. workers' compensation, licensing) vary by state and are not decided here. **Provenance:** Cited guide; provider rows come from Spot's rating data. Last updated 2026-09-28. **Related pages:** - [Industries](https://thegeneralaverage.com/industries) — parent hub - [Reliability Score methodology](https://thegeneralaverage.com/reliability-score) — how provider scores are computed - [Editorial policy](https://thegeneralaverage.com/editorial-policy) — sourcing standards # Insurance Buying Guide for Travel, Leisure, and Tourism Businesses [Consumer](https://thegeneralaverage.com/industries/consumer) Before taking deposits or operating an experience, identify whether you arrange travel, run the activity, transport customers, or only list another operator. Share booking terms, refund commitments, venues, subcontractors, and any California seller-of-travel analysis with the broker; registration, trust, or bond obligations are separate from commercial insurance. [Frequently Asked Questions - Registrants](https://oag.ca.gov/travel/reg-faqs), [Travel Agencies](https://oag.ca.gov/consumers/general/travel-agencies), [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Which Insurance Should You Consider for Travel, Leisure and Tourism? Consider general liability, professional errors and omissions (E&O), commercial auto, commercial property, and workers’ compensation. Start with the coverages tied to your day-to-day operations, then use the situations and buying questions below to compare your options. ### [General Liability Insurance for Travel, Leisure and Tourism](https://thegeneralaverage.com/coverage/general-liability) **When it matters:** You guide an excursion, host an event, operate an attraction, or bring customers to a venue. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Commercial general liability can address specified bodily injury and property damage from premises and operations. Describe the activity, locations, customer interaction, and contractors; check exclusions and limits for the actual operations. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Which trips, activities, venues, guides, and subcontractors are described, and what exclusions or limits apply? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [Professional Liability (E&O) Insurance for Travel, Leisure and Tourism](https://thegeneralaverage.com/coverage/professional-errors-omissions) **When it matters:** Customers rely on your itinerary, booking, ticketing, or trip-planning service. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Ask whether a professional errors-and-omissions quote addresses the service and contract promises you make. Do not infer policy response from seller-of-travel status or customer refund rules. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Which booking, advice, itinerary, cancellation, and supplier commitments are in scope? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [Commercial Auto Insurance for Travel, Leisure and Tourism](https://thegeneralaverage.com/coverage/commercial-auto) **When it matters:** Your company owns or arranges vehicles to carry customers or staff. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Identify vehicle ownership, passenger use, routes, and driver relationships. Review the exact auto terms for the service rather than treating transportation requirements as proof of commercial policy coverage. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Which entities, vehicles, drivers, passenger activities, and states are covered? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [Commercial Property Insurance for Travel, Leisure and Tourism](https://thegeneralaverage.com/coverage/commercial-property) **When it matters:** You own or lease a venue, studio, equipment store, or customer facility. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Check scheduled premises, fixtures, equipment, covered causes, valuation, and deductibles. Tell the broker if assets or inventory sit with partners or at seasonal locations. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Which permanent and temporary sites, equipment, and customer property are included? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [Workers’ Compensation Insurance for Travel, Leisure and Tourism](https://thegeneralaverage.com/coverage/workers-compensation) **When it matters:** You hire guides, event staff, instructors, or operations teams. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Employer information](https://www.dir.ca.gov/dwc/employer.htm) **What to review:** Workers compensation provides benefits for work-related injury or illness under applicable state law. California requires employer coverage even with one employee; check other jurisdictions separately. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Employer information](https://www.dir.ca.gov/dwc/employer.htm) **Ask:** Which employer entities, work states, payroll, and seasonal roles are listed? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Employer information](https://www.dir.ca.gov/dwc/employer.htm) ## From Spot Spot, which publishes this research, gets quotes from 50+ providers and finds the best fit for your coverage, needs, and cost. Companies save up to 40%, and we keep managing your insurance as it changes. [Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation) ## Before a Travel Business Takes Deposits or Sells in California Map what you advertise and sell, how you arrange transportation or lodging, which suppliers fulfill each part, when you collect funds, and what the cancellation terms promise. California’s seller-of-travel FAQ identifies covered activities and statutory exemptions; determine whether your facts fit before relying on a general label. [Frequently Asked Questions - Registrants](https://oag.ca.gov/travel/reg-faqs) Some covered sellers may have trust or bond obligations, but those mechanisms are not commercial insurance and do not establish what a policy pays. Keep customer-fund compliance and insurance review as separate workstreams. [Travel Agencies](https://oag.ca.gov/consumers/general/travel-agencies) ## Before a Travel Business Adds a Tour, Venue, or Supplier List each activity you operate versus merely list, the guide or subcontractor roles, locations, transport, and customer contact points. Send the venue, supplier, and customer contract insurance clauses to the broker. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) Ask whether limits and additional-insured wording can meet the specific contract, and review cancellation, refund, interruption, and supplier-failure promises against actual policy forms. Do not assume a specialist event or contract-frustration line applies without examining the exposure. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Which Providers Should You Compare for Travel, Leisure and Tourism? These providers document the coverage listed below. Providers are ordered by the average of their Reliability Score and Review Score, weighted equally. This is not confirmation that your business qualifies. Scores describe the provider, not an individual policy. ### General Liability Insurance Providers for Travel, Leisure and Tourism #### [biBerk](https://thegeneralaverage.com/insurance-providers/biberk) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/biberk/reliability) **Review Score** 9.0 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/biberk/reviews) [General Liability Insurance From biBerk | Get A Quote Today](https://www.biberk.com/small-business-insurance/general-liability-insurance) #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Commercial General Liability Insurance | CNA Insurance](https://www.cna.com/products/general-liability) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Commercial General Liability](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html) [+45 more General liability providers](https://thegeneralaverage.com/coverage/general-liability#documented-providers) ### Professional Liability (E&O) Insurance Providers #### [biBerk](https://thegeneralaverage.com/insurance-providers/biberk) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/biberk/reliability) **Review Score** 9.0 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/biberk/reviews) [Professional Liability Insurance | Talk To biBerk](https://www.biberk.com/small-business-insurance/professional-liability-insurance) #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Cyber Insurance - Cyber Risk Solutions](https://www.cna.com/products/cyber) · [Epack 3 – Cyber, Media, Technology & Professional Liability](https://www.cna.com/sites/default/files/assets/epack-3-cyber-media-technology-professional-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Professional Liability (E&O)](https://www.foxquilt.com/businesscoverage/professional-liability.html) [+46 more Professional errors and omissions (E&O) providers](https://thegeneralaverage.com/coverage/professional-errors-omissions#documented-providers) ### Commercial Auto Insurance Providers for Travel, Leisure and Tourism #### [biBerk](https://thegeneralaverage.com/insurance-providers/biberk) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/biberk/reliability) **Review Score** 9.0 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/biberk/reviews) [Commercial Auto Insurance From biBerk | Get Coverage Online](https://www.biberk.com/small-business-insurance/commercial-auto-insurance) #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Commercial Auto Insurance for Businesses | CNA Insurance](https://www.cna.com/products/commercial-auto) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Commercial Auto Insurance](https://www.foxquilt.com/businesscoverage/commercial-auto.html) [+28 more Commercial auto providers](https://thegeneralaverage.com/coverage/commercial-auto#documented-providers) ### Commercial Property Insurance Providers #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Commercial Property Insurance | CNA Insurance](https://www.cna.com/products/property) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Commercial Property Insurance](https://www.foxquilt.com/businesscoverage/commercial-property.html) #### [Marsh McLennan Agency](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency) **Reliability Score** Broker Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency/reliability) **Review Score** 8.2 / 10 (2 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency/reviews) [Property Insurance | MMA](https://www.marshmma.com/us/solutions/property.html) [+37 more Commercial property providers](https://thegeneralaverage.com/coverage/commercial-property#documented-providers) ### Workers’ Compensation Insurance Providers #### [biBerk](https://thegeneralaverage.com/insurance-providers/biberk) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/biberk/reliability) **Review Score** 9.0 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/biberk/reviews) [Workers’ Compensation Insurance From biBerk | Get A Quote](https://www.biberk.com/small-business-insurance/workers-compensation-insurance) · [biBerk Insurance Review 2026: Berkshire Hathaway’s Basic Online Storefront | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance) #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Workers’ Compensation Insurance | CNA Insurance](https://www.cna.com/products/workers-compensation) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Workers’ Compensation Insurance](https://www.foxquilt.com/businesscoverage/workers-compensation.html) [+38 more Workers’ compensation providers](https://thegeneralaverage.com/coverage/workers-compensation#documented-providers) Review Scores average eligible source ratings, including approximate BBB grade conversions; they are not pooled customer ratings. [How Reliability Scores Work](https://thegeneralaverage.com/reliability-score). ## Common Questions About Insurance for Travel, Leisure and Tourism ### Is a seller-of-travel bond or trust account the same as insurance? No. California describes registration, trust, and bond mechanisms for covered sellers, with requirements that depend on the seller’s circumstances. Those mechanisms are distinct from a commercial insurance policy. [Travel Agencies](https://oag.ca.gov/consumers/general/travel-agencies) [Read the full answer](https://thegeneralaverage.com/industries/travel-leisure-and-tourism/is-a-travel-bond-the-same-as-insurance) ### What should I send before asking for insurance on a tour or activity? Send the itinerary, activity description, locations, customer count, guides, subcontractors, transport plan, and signed supplier or venue requirements. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) [Read the full answer](https://thegeneralaverage.com/industries/travel-leisure-and-tourism/what-to-send-for-tour-insurance-review) ## Verticals Related to Travel, Leisure and Tourism - [Apparel and Cosmetics](https://thegeneralaverage.com/industries/apparel-and-cosmetics): Quote preparation for apparel and beauty brands changing a product, formula, sales channel, or inventory footprint. - [Consumer Electronics](https://thegeneralaverage.com/industries/consumer-electronics): Practical quote checks for device makers moving from prototypes to production, retail, cloud services, and battery shipments. - [Content](https://thegeneralaverage.com/industries/content): Quote preparation for studios, publishers, creator platforms, and media businesses taking on new clients, content rights, and production equipment. - [Food and Beverage](https://thegeneralaverage.com/industries/food-and-beverage): Practical insurance questions for food and drink brands expanding production, cold storage, wholesale, delivery, and customer service. - [Gaming](https://thegeneralaverage.com/industries/gaming): Quote preparation for game studios and live-service platforms taking on publisher contracts, user content, online services, and events. - [Home and Personal](https://thegeneralaverage.com/industries/home-and-personal): Practical quote checks for consumer brands selling household goods, connected devices, and products installed or delivered at home. - [Job and Career Services](https://thegeneralaverage.com/industries/job-and-career-services): Quote preparation for recruiting, placement, staffing, and career platforms changing how they screen, refer, or employ workers. - [Social](https://thegeneralaverage.com/industries/social): Practical quote checks for social products adding user content, child-directed features, creator campaigns, and moderation operations. - [Transportation Services](https://thegeneralaverage.com/industries/transportation-services): Quote preparation for passenger platforms, delivery companies, and mobility businesses changing vehicles, trip stages, and custody of goods. - [Virtual and Augmented Reality](https://thegeneralaverage.com/industries/virtual-and-augmented-reality): Quote preparation for immersive hardware, sensor-driven apps, multiplayer content, and public VR/AR experiences. ## Sources and Further Reading for Travel, Leisure and Tourism - [Frequently Asked Questions - Registrants](https://oag.ca.gov/travel/reg-faqs) — California Department of Justice, Office of the Attorney General. Who needs to register and who does not need to register as a Seller of Travel? California DOJ overview of seller-of-travel activities and statutory exceptions. - [Travel Agencies](https://oag.ca.gov/consumers/general/travel-agencies) — California Department of Justice, Office of the Attorney General. Travel-agency registration and refund claims sections California DOJ guidance on registration and seller-specific trust or bond duties. - [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — California Department of Insurance. Commercial Insurance Guide, revised June 14, 2024: purchasing coverage, commercial property, inland marine, boiler and machinery, commercial general liability, and workers compensation. - [Employer information](https://www.dir.ca.gov/dwc/employer.htm) — California Department of Industrial Relations, Division of Workers’ Compensation. Opening section, employer obligation and out-of-state employer paragraph Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements. Updated 2026-09-28. [Editorial Policy](https://thegeneralaverage.com/editorial-policy). ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/industries/travel-leisure-and-tourism.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)