---
title: "What should I send before asking for insurance on a tour or activity?"
description: "Send the itinerary, activity description, locations, customer count, guides, subcontractors, transport plan, and signed supplier or venue requirements."
canonical: "https://spot.insure/industries/travel-leisure-and-tourism/what-to-send-for-tour-insurance-review"
page-type: "industry-faq"
updated-at: "2026-09-28"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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://spot.insure/industries/travel-leisure-and-tourism/what-to-send-for-tour-insurance-review)

# 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)

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. [Frequently Asked Questions - Registrants](https://oag.ca.gov/travel/reg-faqs)

Ask the broker to identify the named operations, applicable exclusions, limits, and any requested endorsements. Regulatory registration does not decide the commercial policy terms. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Travel Agencies](https://oag.ca.gov/consumers/general/travel-agencies)

## Need Help Choosing Coverage?

Spot prepares your applications, coordinates with brokers, and helps you compare quotes so you can choose coverage with the key details in front of you.

[Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation)

[Read the Travel, Leisure and Tourism Insurance Buying Guide](https://spot.insure/industries/travel-leisure-and-tourism)

## More Travel, Leisure and Tourism Questions

- [Is a seller-of-travel bond or trust account the same as insurance?](https://spot.insure/industries/travel-leisure-and-tourism/is-a-travel-bond-the-same-as-insurance)

## Coverage to Discuss

- [General liability](https://spot.insure/coverage/general-liability)
- [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions)
- [Commercial auto](https://spot.insure/coverage/commercial-auto)
- [Commercial property](https://spot.insure/coverage/commercial-property)
- [Workers’ compensation](https://spot.insure/coverage/workers-compensation)

## Sources and Further Reading

- [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://spot.insure/editorial-policy).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/industries/travel-leisure-and-tourism/what-to-send-for-tour-insurance-review.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://spot.insure/llms.txt)