Caitlin Morgan Insurance Services offers a specialized Tour Operators Insurance program tailored to the unique exposures faced by tour operators and guides across the United States. This program is designed to provide comprehensive liability protection for operators involved in walking tours, sightseeing excursions, select water sports, bike tours, and more.
Overview of the Program From Caitlin Morgan
As a wholesale broker with access to multiple markets, Caitlin Morgan brings deep expertise and flexible solutions to retail agents seeking coverage for tour-related businesses. Our Tour Operators Insurance program addresses both general and professional liability needs, helping agents place hard-to-insure classes with confidence. Whether your client runs a historical walking tour in a major city or operates bike tours through national parks, we provide coverage that aligns with their operational risks.
Ideal Accounts and Appetite
Excluded operations include bungee jumping, water skiing, paragliding, hang gliding, scuba diving, snowmobiling, spring break tours, white water rafting, and jet skiing.
Coverage Highlights and Advantages
Errors & Omissions Liability coverage designed specifically for tour operators
General liability coverage for a wide range of guided activities
Limits available from $100,000 up to $5,000,000
Underwriting Notes and Minimum Premiums
You may have a client who offers guided historical tours in a major metropolitan area or a business that runs seasonal bicycle tours through scenic trails—both are strong candidates for this coverage.
Territories and Availability
This program is available in all 50 states plus Washington, DC. Coverage is offered on an admitted basis where available, giving agents the flexibility to serve clients nationwide.
Why Work With Caitlin Morgan Insurance Services
As a trusted wholesale brokerage, Caitlin Morgan Insurance Services supports agents with access to leading carriers, responsive underwriting, and specialized programs. Our Tour Operators Insurance is built with niche expertise and a strong understanding of the risks your clients face in the tourism sector.
Frequently Asked Questions
What types of accounts are a good fit for this Tour Operator Insurance program?
Ideal accounts include walking tours, historical tours, sightseeing trips, city tours, duck boat tours, and recreational bike tours. Select water sports may also be eligible.
What are some operations that are excluded from this program?
Excluded activities include bungee jumping, water skiing, paragliding, hang gliding, scuba diving, snowmobiling, jet skiing, white water rafting, and spring break tours.
What limits are available under this program?
Coverage limits range from $100,000 to $5 million, with flexible options based on the insured's operations and risk profile.
Is this program available nationwide?
Yes, the Tour Operators Insurance program is available in all 50 states and Washington, DC.
What is the minimum premium for this coverage?
Minimum premiums start at $1,250, depending on specific account details and underwriting considerations.
Need help placing an account? Connect with a market specialist.