Travel Agent Insurance For Independent And Small Agencies 
What types of insurance do travel agents need?
Protect Your Business with Travel Agent Errors and Omissions Insurance
Planning travel involves countless details and when things go wrong, clients may hold you responsible. With travel agent insurance, you’re protected against claims tied to booking errors, trip cancellations, or misunderstandings. Whether you’re an independent agent or run an agency, travel agent errors and omissions insurance helps shield your business from financial and legal risk.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Beyond E&O, Key Types Of Insurance For Travel Agents
Every itinerary, reservation, and client interaction carries risk. That’s why Gild Insurance’s travel agent insurance policy options are designed to protect your services, your finances, and your reputation. Whether you work solo or operate a growing agency, we offer expert-backed coverage that supports your business today and helps you move forward with confidence. With Gild, protection is always part of the journey.
-
General Liability Insurance – Covers third-party property damage or bodily injury
-
Business Owners Policy– General liability and business equipment coverage all in one.
-
Workers’ Compensation Insurance – Covers medical bills and lost wages for injured employees.
-
Cyber Liability Insurance – Safeguards against digital threats, ransomware, and data breaches.
- Professional Liability (E&O) Insurance – Protects against client claims of mistakes, omissions, or negligence.
What Influences The Cost Of Travel Agent Insurance
Several factors impact the cost of a travel agent insurance, including travel agent liability insurance coverages:
- Annual revenue
- Number of employees
- Years of experience
- Claims history
- Coverage limits and deductibles
The best way to find your travel agent insurance cost is to get a free, online quote in minutes!
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get The Best Travel Agent Insurance Today!
With Gild Insurance, you’re not just getting a travel agent insurance policy, you’re getting a partner who understands the unique challenges of running a design firm. Our tailored coverage protects you from errors, client disputes, and unexpected disruptions, so you can focus on creating unforgettable travel experiences and running your business with confidence.
Frequently Asked Questions
Travel agents face financial, legal, and reputational risks—and insurance helps mitigate them. Core policies include:
- Professional Liability (E & O) – Protects against claims if a client alleges financial loss from a booking error, missed reservation, or bad advice.
- General Liability – Covers third-party bodily injury or property damage, such as if a client trips during an in-office consultation.
- Cyber Liability Insurance – Vital if you collect sensitive customer data like passports, credit card info, or itineraries.
- Business Owner’s Policy (BOP) – Bundles liability, property, and business interruption coverage if you have a physical office.
- Workers’ Compensation – Required if you employ staff.
As a trusted advisor in a high-stakes industry, your insurance plan should be as detailed as your travel itineraries.
How much does travel agent insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Does travel agent insurance cover trip cancellations or travel-related claims?
Not directly. Your insurance protects your business, not the traveler’s plans.
- Professional liability may cover you if a client claims you gave incorrect advice or booked a trip that didn't meet expectations.
- Trip cancellation claims typically fall under travel insurance purchased by the client, not the agent.
What you can protect is your role in the transaction—making sure your advice, systems, and bookings are legally backed.
Do travel agents need professional liability (E & O) insurance?
Yes! This is arguably the most important policy for travel agents.
- E&O coverage protects you from claims of negligence, failure to deliver services, or errors in bookings.
- It also covers legal defense costs, even if the claim is groundless.
In a business built on details and deadlines, one misstep could lead to serious consequences—this policy keeps those risks from derailing your business.
Let's Protect Your Expertise Today!
Get Covered
