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E&O Insurance for Travel Agents, Agencies and Tour Operators
Errors and Omissions Insurance Program for Travel Agents, Agencies and Tour Operators
Errors and Omissions Insurance Program for Travel Agents, Agencies and Tour Operators
Errors and Omissions Insurance Program for Travel Agents, Agencies and Tour Operators
E&O Program Introduction
-
Ensuring financial protection for you and your travel business is a must. 360 Coverage Pros Errors & Omissions Insurance Program is specialized coverage designed specifically for independent Travel Agents. 360 Coverage Pros defines Travel Agents as employed individuals, independent contractors, or sole proprietors operating out of their own residence or other locations. A Travel Agent may apply as a Travel Agency within this E&O Insurance Program if their Total Gross Receipts exceed $250,000. If you have any questions about how you should apply for coverage, please schedule a consultation with an expert for advisement. 360 Coverage Pros understands the risks you face while rendering professional services and is committed to safeguarding your business and livelihood.
- Designed for Travel Agents with Annual Total Gross Receipts (TGR) of less than $250,000
- Bundled coverage with monthly payments starting at just $25.67
- Fast and easy online application….No more waiting for coverage
- Instant proof of insurance
- Painless automatic renewal
Program Features
-
Travel Agent Coverage Components:
- Professional liability coverage (bodily injury and property damage) and errors and omissions coverage
- Defense costs and attorney’s fees
- Non-owned hired auto liability
- Host liquor liability
- Damage to personal property due to assault
- Reimbursement for uninsured medical expenses
- Defendants expense
- Personal injury liability
- Employee Theft
- Optional medical payments endorsement
-
Coverage for your entire business included:
- Business entity coverage*
- Independent contractors/employees*
- Additional Insureds Request additional insureds
-
Risk Management:
- 24/7 access to our legal advisement hotline, exclusively for insureds
- Quarterly articles, webinars, and Program updates
-
Service:
- First-class customer care professionals standing by to answer your questions via chat or over the phone
- Annual and monthly payment options available via our secure electronic payment portal
- One-on-one consultations with an expert
- Custom program solutions for group business and partnerships
Pricing Information
$500,000 Annual Aggregate
Includes coverage for Bodily Injury and Property Damage Liability, Non-Owned and Hired Auto Liability, Professional Liability, Personal Injury Liability, Defendants Expense, Reimbursement for Uninsured Medical Expenses and Damage to the Assured's Personal Property incurred due to Assault. Also includes coverage for Host Liquor Liability (excluding student operators) and Employee Theft.
| Effective Date | Pay In Full | or Down Payment | w/Monthly Payment |
|---|---|---|---|
| 06/01/23 | Apply today for $296.64 | $74.27 | $25.67 |
- At the time of enrollment, each applicant is required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees and minimum earned premium are non-refundable
- Pricing includes a $40.00 Risk Purchasing Group Fee and 3% Delaware State Surplus Lines Taxes. Down payment refers to the monthly payment option. Your down payment includes one month's premium, administrative fees and a $5.00 monthly processing fee. Down payments will be processed immediately; monthly deductions as shown above will begin on the third of the month after the enrollment effective date.
Program Eligibility
- Coverage under the 360 Coverage Pros Travel Agent, Agency and Tour Operator Master Policy is currently NOT AVAILABLE in New York and Indiana.
Payment Options
- Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the third of each month.
Underwriter
- Your coverage is secured by Underwriters at Lloyds of London, an outstanding insurance company rated "A" XV (Excellent) by A.M. Best.
Disclosures
- All policy documents are delivered in electronic format by default.
- A.M. Best rating and other disclosures.
- Arthur J. Gallagher Travel Agents Purchasing Group, LLC is a Delaware domiciled risk purchasing group (RPG). Risk Purchasing Groups differ from traditional insurance companies in several ways, for example: • Permitted by Federal Law – “Liability Risk Retention Act of 1986” • A group of insureds engaged in similar businesses or activities to purchase insurance coverage from a commercial insurer • May be exempt from some state insurance regulations • May not be covered by various state guarantee funds Arthur J. Gallagher & Co, and any of its subsidiaries do not guarantee the financial viability of any insurance company, carrier, pool, risk retention group, or other means of risk transfer or risk sharing.
- Defense costs reduce the limit of liability and are subject to the retention. Punitive damages are covered by the policy, unless uninsurable under applicable laws. Refer to the policy form for the definition of defense costs and punitive damages.
- This is a claims made and reported policy. Claims must be submitted as soon as practicable in writing to the insurer. Coverage only applies to claims first made during the policy period. Claims must be reported during the policy period; or, during an extended reporting period (ERP). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.
- For complete details on covered professional services and exclusions, please refer to the policy form.
Program Administrator
- 360 Coverage Pros is administered by Gallagher Affinity, a global insurance brokerage, risk management and consulting services firm.
- Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions section for more information.
- Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and account management and a dedicated customer support team with phone, chat and online contact features.
E&O Program Introduction
-
Ensuring financial protection for you, your employees or independent contractors, and your travel business is a must. 360 Coverage Pros Errors & Omissions Insurance Program is specialized coverage designed specifically for Travel Agencies. 360 Coverage Pros defines Travel Agencies as individuals or organizations who have formed a business entity. A sole proprietorship or independent contractor may apply as a Travel Agent within this E&O Insurance Program. If you have any questions about how you should apply for coverage, please schedule a consultation with an expert for advisement. 360 Coverage Pros understands the risks you face while rendering professional services and is committed to safeguarding your business and livelihood.
- Designed for Travel Agencies with Annual Total Gross Receipts (TGR) of less than $2,500,000
- Bundled coverage with monthly payments starting at just $33.17
- Fast and easy online application….No more waiting for coverage
- Instant proof of insurance
- Painless automatic renewal
Program Features
-
Travel Agency Coverage Components:
- Professional liability coverage (bodily injury and property damage) and errors and omissions coverage
- Defense costs and attorney’s fees
- Non-owned hired auto liability
- Host liquor liability
- Damage to personal property due to assault
- Reimbursement for uninsured medical expenses
- Defendants expense
- Personal injury liability
- Employee Theft
- Optional medical payments endorsement
-
Coverage for your entire business included:
- Business entity coverage
- Independent contractors/employees
- Additional Insureds Request additional insureds
-
Risk Management:
- 24/7 access to our legal advisement hotline, exclusively for insureds
- Quarterly articles, webinars, and Program updates
-
Service:
- First-class customer care professionals standing by to answer your questions via chat or over the phone
- Annual and monthly payment options available via our secure electronic payment portal
- One-on-one consultations with an expert
- Custom program solutions for group business and partnerships
Pricing Information
$500,000 Annual Aggregate
Includes coverage for Bodily Injury and Property Damage Liability, Non-Owned and Hired Auto Liability, Professional Liability, Personal Injury Liability, Defendants Expense, Reimbursement for Uninsured Medical Expenses and Damage to the Assured's Personal Property incurred due to Assault. Also includes coverage for Host Liquor Liability (excluding student operators) and Employee Theft.
| Effective Date | Pay In Full | or Down Payment | w/Monthly Payment |
|---|---|---|---|
| 06/01/23 | Apply today for $389.34 | $84.47 | $33.17 |
- At the time of enrollment, each applicant is required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees and minimum earned premium are non-refundable
- Pricing includes a $40.00 Risk Purchasing Group Fee and 3% Delaware State Surplus Lines Taxes. Down payment refers to the monthly payment option. Your down payment includes one month's premium, administrative fees and a $5.00 monthly processing fee. Down payments will be processed immediately; monthly deductions as shown above will begin on the third of the month after the enrollment effective date.
Program Eligibility
- Coverage under the 360 Coverage Pros Travel Agent, Agency and Tour Operator Master Policy is currently NOT AVAILABLE in New York and Indiana.
Deductibles and Retentions
-
Two Deductible Options:
- $500 Deductible Each Claim
- $1,000 Deductible Each Claim
Payment Options
- Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the third of each month.
Underwriter
- Your coverage is secured by Underwriters at Lloyds of London, an outstanding insurance company rated "A" XV (Excellent) by A.M. Best.
Disclosures
- All policy documents are delivered in electronic format by default.
- A.M. Best rating and other disclosures.
- Arthur J. Gallagher Travel Agents Purchasing Group, LLC is a Delaware domiciled risk purchasing group (RPG). Risk Purchasing Groups differ from traditional insurance companies in several ways, for example: • Permitted by Federal Law – “Liability Risk Retention Act of 1986” • A group of insureds engaged in similar businesses or activities to purchase insurance coverage from a commercial insurer • May be exempt from some state insurance regulations • May not be covered by various state guarantee funds Arthur J. Gallagher & Co, and any of its subsidiaries do not guarantee the financial viability of any insurance company, carrier, pool, risk retention group, or other means of risk transfer or risk sharing.
- Defense costs reduce the limit of liability and are subject to the retention. Punitive damages are covered by the policy, unless uninsurable under applicable laws. Refer to the policy form for the definition of defense costs and punitive damages.
- This is a claims made and reported policy. Claims must be submitted as soon as practicable in writing to the insurer. Coverage only applies to claims first made during the policy period. Claims must be reported during the policy period; or, during an extended reporting period (ERP). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.
- For complete details on covered professional services and exclusions, please refer to the policy form.
Program Administrator
- 360 Coverage Pros is administered by Gallagher Affinity, a global insurance brokerage, risk management and consulting services firm.
- Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions section for more information.
- Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and account management and a dedicated customer support team with phone, chat and online contact features.
E&O Program Introduction
-
Ensuring financial protection for you, your employees or independent contractors, and your business is a must. 360 Coverage Pros Errors & Omissions Insurance Program is specialized coverage designed specifically for Tour Operators. If more than 50% of your business is derived from tours, you should apply for E&O coverage as a Tour Operator; if less than 50% of your total business is derived from tours, you should apply as a Travel Agency. 360 Coverage Pros defines Tour Operators as agencies or organizations contracting and negotiating with various suppliers, branding, packaging, and marketing their own tours, accompanying guests and acting as a tour guide, and selling their packages directly to the public and/or other agents and agencies. If you have any questions about how you should apply for coverage, please schedule a consultation with an expert for advisement. 360 Coverage Pros understands the risks you face while rendering professional services and is committed to safeguarding your business and livelihood.
- Designed for Tour Operators with Annual Total Gross Receipts (TGR) of less than $2,500,000
- Bundled coverage with monthly payments starting at just $278.42
- Fast and easy online application….No more waiting for coverage
- Instant proof of insurance
- Painless automatic renewal
Program Features
-
Tour Operator Coverage Components:
- Professional liability coverage (bodily injury and property damage) and errors and omissions coverage
- Defense costs and attorney’s fees
- Non-owned hired auto liability
- Host liquor liability
- Damage to personal property due to assault
- Reimbursement for uninsured medical expenses
- Defendants expense
- Personal injury liability
- Employee Theft
- Optional medical payments endorsement
-
Coverage for your entire business included:
- Business entity coverage
- Independent contractors/employees
- Additional Insureds Request additional insureds
-
Risk Management:
- 24/7 access to our legal advisement hotline, exclusively for insureds
- Quarterly articles, webinars, and Program updates
-
Service:
- First-class customer care professionals standing by to answer your questions via chat or over the phone
- Annual and monthly payment options available via our secure electronic payment portal
- One-on-one consultations with an expert
- Custom program solutions for group business and partnerships
Pricing Information
$500,000 Annual Aggregate
Includes coverage for Bodily Injury and Property Damage Liability, Non-Owned and Hired Auto Liability, Professional Liability, Personal Injury Liability, Defendants Expense, Reimbursement for Uninsured Medical Expenses and Damage to the Assured's Personal Property incurred due to Assault. Also includes coverage for Host Liquor Liability (excluding student operators) and Employee Theft.
| Effective Date | Pay In Full | or Down Payment | w/Monthly Payment |
|---|---|---|---|
| 06/01/23 | Apply today for $3,297.03 | $414.41 | $278.42 |
- At the time of enrollment, each applicant is required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees and minimum earned premium are non-refundable
- Pricing includes a $40.00 Risk Purchasing Group Fee and 3% Delaware State Surplus Lines Taxes. Down payment refers to the monthly payment option. Your down payment includes one month's premium, administrative fees and a $15.00 monthly processing fee. Down payments will be processed immediately; monthly deductions as shown above will begin on the third of the month after the enrollment effective date.
Program Eligibility
- Coverage under the 360 Coverage Pros Travel Agent, Agency and Tour Operator Master Policy is currently NOT AVAILABLE in New York and Indiana.
- Business must be limited to tours provided in the U.S., Canada, Caribbean, Mexico and Western European countries limited to European union member countries and the UK only.
Deductibles and Retentions
-
Two Deductible Options:
- $500 Deductible Each Claim
- $1,000 Deductible Each Claim
Payment Options
- Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the third of each month.
Underwriter
- Your coverage is secured by Underwriters at Lloyds of London, an outstanding insurance company rated "A" XV (Excellent) by A.M. Best.
Disclosures
- All policy documents are delivered in electronic format by default.
- A.M. Best rating and other disclosures.
- Arthur J. Gallagher Travel Agents Purchasing Group, LLC is a Delaware domiciled risk purchasing group (RPG). Risk Purchasing Groups differ from traditional insurance companies in several ways, for example: • Permitted by Federal Law – “Liability Risk Retention Act of 1986” • A group of insureds engaged in similar businesses or activities to purchase insurance coverage from a commercial insurer • May be exempt from some state insurance regulations • May not be covered by various state guarantee funds Arthur J. Gallagher & Co, and any of its subsidiaries do not guarantee the financial viability of any insurance company, carrier, pool, risk retention group, or other means of risk transfer or risk sharing.
- Defense costs reduce the limit of liability and are subject to the retention. Punitive damages are covered by the policy, unless uninsurable under applicable laws. Refer to the policy form for the definition of defense costs and punitive damages.
- This is a claims made and reported policy. Claims must be submitted as soon as practicable in writing to the insurer. Coverage only applies to claims first made during the policy period. Claims must be reported during the policy period; or, during an extended reporting period (ERP). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.
- For complete details on covered professional services and exclusions, please refer to the policy form.
Program Administrator
- 360 Coverage Pros is administered by Gallagher Affinity, a global insurance brokerage, risk management and consulting services firm.
- Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions section for more information.
- Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and account management and a dedicated customer support team with phone, chat and online contact features.
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