GeneralAverage

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.

Show who operates each part of the experience and who collects deposits or issues refunds. If selling in California, compare the actual sales and arrangement activities with the seller-of-travel categories and statutory exceptions.[1]

Ask the broker to identify the named operations, applicable exclusions, limits, and any requested endorsements. Regulatory registration does not decide the commercial policy terms.[3][2]

Read the Travel, Leisure and Tourism Insurance Buying Guide

Sources and Further Reading for Travel, Leisure and Tourism

  1. Frequently Asked Questions - Registrants — 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.

  2. 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.

  3. Commercial Insurance Guide — 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.
  4. Employer information — 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

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