Insurance for Travel Agents and Tour Operators
Meets ATIA accreditation standards
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What is travel agent & tour operators insurance?
Travel agent insurance is the cover options customised to protect an agent or travel company against legal claims and other everyday risks. It may cover things such as property damage, missed booking deadlines, and personal injuries (depending on the types of cover you choose).
As a travel agent or tour operator, it’s your job to make sure customers have the perfect holiday experience. But mistakes and accidents can happen when you’re managing multiple bookings, giving professional advice, and running your business.
BizCover offers bespoke insurance cover tailored to suit the unique needs of travel agents, tour guides, and travel companies.
Why do travel agencies and tour operators need insurance?
Travel agents and guides help customers manage their travel plans. From booking flights and accommodations to recommending trip itineraries, customers put a lot of trust in travel agents. So, if something goes wrong, you could be held liable for a customer’s bad holiday if they believe your actions caused them to lose money.
Business insurance helps travel agents, agencies, and tour guides cover the cost of unforeseen bills caused by everyday risks. These may include failed bookings, missed travel components, trip injuries on walking tours, and damage to your business assets.
Receive Australian Travel Industry Association (ATIA) accreditation.
Pay legal costs if you face a liability claim.
Cover lost income if you are injured and unable to work.
Replace lost or damaged equipment and records.
What does travel agent and tour operator insurance cover?
We offer insurance options designed specifically for travel agents, agencies, tour operators, and guides. Our policies can cover your business, finances, equipment, and assets (depending on the types of cover you choose).
Popular cover options for travel agents:
Travel agents may also cover:
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How much does travel agent insurance cost?
Business insurance for travel agents costs $84 per month*.
Factors influencing cost
Risks of the industry
Cover level amount
Annual Turnover
Number of Employees
Claims History
*BizCover’s Customer Average Monthly Payment Report is based on 1 July 2024 to 30 June 2025 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get cover that works with the risks of your business
Choose Public Liability limits up to $20 million and Professional Indemnity limits up to $10 million.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Customer Average Monthly Payment Report is based on 1 July 2024 to 30 June 2025 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get cover that works with the risks of your business
Choose Public Liability limits up to $20 million and Professional Indemnity limits up to $10 million.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How It Works – Buying Online
5 easy steps to get instant cover online today
Select Profession
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Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
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How To Make a Claim Online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
Award-Winning Tech & People
We’re not ones to blow our own trumpet, but we are pretty proud of our innovative insurance platform, outstanding team, and stellar workplace.
See How Much Other Travel Agents and Tour Operators Have Saved By Purchasing a Policy Through BizCover
Jessica
Bookkeeper from
VIC
Saved
$400
on
Professional Indemnity insurance
Brooke
Bookkeeper from
QLD
Saved
$200
on
Professional Indemnity insurance
Lisa
Bookkeeper from
VIC
Saved
$300
on
Professional Indemnity insurance
^Savings made from February to August 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
No, insurance is not compulsory for travel agents. However, you may be required to have certain types of insurance in some circumstances.
Travel agents, tour operators, and other travel businesses applying for Australian Travel Industry Association (ATIA) accreditation under the Australian Travel Accreditation Scheme (ATAS) must show proof of Public Liability and/or Professional Indemnity insurance to apply.
You may also be required to have Public Liability insurance if you lease commercial office space for your business.
Even if insurance is not compulsory, you may still want to consider different types of cover to help protect yourself, your customers, and your business.
BizCover offers insurance options designed for tour operators and guides providing walking tours. It does not cover activities such as bushwalking, camping, high-hazard activities, and cooking.
Run-off cover is a policy provision common to Professional Indemnity cover that helps protect you for a set period after you’ve sold your business, retired, or ceased trading.
A certificate of currency will be emailed to you instantly after purchasing your insurance with BizCover. You can also download additional certificates of currency at any time by logging in to our customer portal.
To make a claim with BizCover, simply fill out our online claims form. This can be done any time you need, 24/7.
Our claims team will manage the claim with the insurer on your behalf. You can track the status of your claims online, and we’ll notify you directly of the outcome.
Hear from our customers
Have used BizCover years ago and found very easy to use. Just returned from overseas work so I am grateful BizCover is still here and straight-forward to work with.
Michelle
BizCover make business insurance so easy and the prices are amazing
Aaron
The online quoting and payment process is easy enough and the response time for call centre is impressive. I got clear answers over the call and happy to proceed with the policy.
Qin
Great experience doing insurance online. Very easy but still enough information to digest
Kavin
Fast process, visually appealing brief policy descriptions, great comparative tool for recommended policies.
Sharon
Real-life customer reviews verified by Feefo