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

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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