--- title: "Travel, Leisure and Tourism" description: "Spot helps tour operators, travel agencies and activity venues buy liability, errors and omissions and auto coverage that fits what they run and resell." canonical: "https://spot.insure/insurance-for/travel-leisure-and-tourism" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, 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://spot.insure/insurance-for/travel-leisure-and-tourism) ## Agent Guide **What this page is:** Spot helps tour operators, travel agencies and activity venues buy liability, errors and omissions and auto coverage that fits what they run and resell. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Spot for Travel, Tour and Leisure Companies Get quotes from travel and tourism insurance providers with Spot. We get quotes for the trips, activities and transport you offer, compare them with you and send certificates when a venue asks. - Activities you run kept apart from ones you only list - Venue and supplier insurance clauses checked for you - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?coverage=general-liability&industry=travel-leisure-and-tourism&icp=hospitality). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch. ## How Spot helps 1. **Say what you operate and what you resell.** Your Spot team lists each trip and activity, whether you run it or only list it, plus guides, subcontractors, transport, locations and where customers come into contact with your team. 2. **Check the venue’s insurance requirements.** Venues and suppliers ask for set limits and to be named on your policy. Send the agreement and Spot checks whether your coverage and endorsements meet it. 3. **Compare quotes on the trips you run.** Together with your broker, Spot takes the submission to insurers and compares how each proposal treats an injury on an excursion, a booking error and guest transport. 4. **Keep the season’s paperwork in one place.** Supplier contracts, certificates and policies stay together, so next season’s renewal starts from what you already sent. ## Who we help - **Tour and excursion operators.** You guide customers through activities and venues, often with subcontracted guides, and general liability has to describe all of it. - **Trip planners and booking services.** Customers rely on your itineraries, bookings and tickets, and a mistake there is an errors and omissions question. - **Attractions and activity venues.** You own or lease the space and equipment and host customers on site. - **Operators who transport guests.** Vans, shuttles and drivers you own or arrange need their own commercial auto quote. - **Seasonal businesses.** Guides, instructors and event staff come on for the season, and workers’ compensation has to reflect them in each state. ## Coverage - [General liability](https://spot.insure/insurance/general-liability) - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions) - [Commercial auto](https://spot.insure/insurance/commercial-auto) - [Commercial property](https://spot.insure/insurance/commercial-property) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation) ## When to get this coverage - **You’re about to take deposits.** Know whether you arrange travel or run it, and keep any seller-of-travel registration, trust or bond work separate from your insurance review. - **You’re adding a tour, venue or supplier.** Send the new contract’s insurance clause and check the limits and additional insured wording before you commit. - **You’re starting to drive guests yourself.** Owned or arranged vehicles, drivers and routes need commercial auto quoted before the first pickup. - **You’re staffing up for the season.** Add seasonal guides, instructors and event staff, with their duties and states, to your workers’ compensation. ## Common questions Also known as tour operator insurance, travel agency insurance, travel agent insurance, travel company insurance, tourism business insurance and activity provider insurance. ### Is tour operator insurance the same as travel insurance? No. Travel insurance protects a traveler’s trip. Tour operator and travel agency insurance protects your business: general liability for activities, errors and omissions for bookings, commercial auto for guest transport, plus property and workers’ compensation. Spot helps you buy the business side. ### Is a seller-of-travel bond or trust account the same as insurance? No. In California, registration, trust and bond requirements depend on your circumstances and are separate from a commercial insurance policy. Spot handles the insurance side. ### What should we send before getting quotes for a tour? The itinerary, activity description, locations, expected customer numbers, guides, subcontractors, transport plan and any signed supplier or venue requirements. ### Does our policy cover refunds when a supplier fails? A refund promise to customers doesn’t make a policy pay for it. Spot reviews your cancellation and supplier-failure promises against the actual forms and asks brokers what, if anything, would respond. ### Can our current broker stay involved before the season starts? Yes. Spot works with your broker ahead of each season’s renewal and takes no commissions on premiums. If you’d rather move to a broker who places more tour and activity business, Spot helps you switch. ## More - [Business Insurance by Industry](https://spot.insure/insurance-for) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-for/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://spot.insure/llms.txt)