Travel Agency Insurance Coverage Checklist
The coverages a travel agency business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for travel agencies and tour operators. Priorities reflect typical exposure; confirm against client funds and tour operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Travel Agent E&O | Covers booking errors and failure-to-advise claims. | Core | |
| Seller of Travel Bond | Required by some states. | Situational | |
| Commercial General Liability | Covers injuries on tours the agency operates. | Situational | |
| Cyber Liability | Covers breaches of client data and notification costs. | Core |
The coverage gap most often missed
The most commonly missed exposure for this class is supplier failure. Agencies hold client deposits for months, and when a cruise line, tour operator, or airline fails, clients look to the agency — while E&O typically excludes supplier insolvency. Agencies should register as sellers of travel where required, keep client funds in trust, offer travel insurance to every client, and document declinations.
Send us the checklist and we'll review your travel agency coverage line by line, then market it across multiple carriers that compete for your account.
Related: Travel Agency Insurance · Travel Agency Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a travel agency business need?
The core coverages for a travel agency business are Travel Agent E&O, Cyber Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my travel agency coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.