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.[3]
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
- 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.
- 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 — 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 — 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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