Travel Agent Insurance

Overview of the Program From Colonial General

This Travel Agent Insurance program is designed for retail and online travel agencies, travel management companies, tour operators, travel consultants, and related service providers. The program blends professional liability (errors & omissions) and general liability solutions tailored for businesses that plan, book, and manage travel. Coverage placements may be offered as admitted paper in some markets and non-admitted or E&S solutions where needed for higher-risk or multi-jurisdictional accounts.

Ideal Accounts and Appetite

• Retail travel agencies and storefront brokers selling packaged tours and air, cruise, and hotel reservations.
• Online travel agencies and booking platforms arranging domestic and international travel.
• Corporate travel managers and travel concierges coordinating multi-destination itineraries.
• Small tour operators and niche specialty travel providers (adventure, destination weddings, group travel) — subject to underwriting review.

Accounts that typically fit: agencies with documented booking procedures, use of supplier contracts/waivers, clear refund and cancellation policies, and reasonable annual revenues. Higher-risk operations (e.g., on-site guiding, hazardous-activity operators) may require referral or may be ineligible depending on carrier appetite.

Coverage Highlights and Advantages

• Worldwide exposure recognition: policies can be structured to respond to claims arising outside the U.S. tied to the agency’s arrangements.
• Professional liability (E&O) tailored to travel booking, itinerary mistakes, and supplier errors.
• General liability solutions available to address third-party bodily injury and property damage connected to agency operations.
• Access to A.M. Best A+ rated admitted markets where available, plus excess & surplus options for tougher risks.
• Flexible placement options for multi-state operations across the program’s territory footprint.

Underwriting Notes and Placement Considerations

• Underwriters will evaluate the agency’s scope of services, use of supplier contracts, consumer-facing policies, and loss history.
• Provide clear details on international operations, third-party suppliers, and whether the agency coordinates travel involving hazardous activities.
• Documentation such as sample client agreements, website disclosures, and supplier contracts speeds placement and improves terms.
• Some coverages or limits may be offered on admitted paper in certain states; others will be placed non-admitted depending on risk and territory.

Territories and Availability

Available in AZ, CA, CO, ID, NV, NM, UT, and WY. Placement may be admitted in some markets and non-admitted in others—availability will depend on the carrier selected and the insured’s specific operations.

Why Work With Colonial General on Travel Agent Business

• Specialized underwriting familiarity with travel-related exposures and worldwide liability issues.
• Access to multiple A.M. Best A+ carriers plus E&S markets to handle complex or higher-risk accounts.
• Support for agents who need flexible solutions for both small storefront agencies and online platforms.
• Practical underwriting guidance on documentation and best practices that improve placement success and reduce uncovered gaps.

Example Scenarios

• You have a small retail agency that books international honeymoon packages and needs professional liability and GL coverage recognizing exposures outside the U.S.—this program can place admitted or E&S paper depending on state and operations.
• You represent an online booking platform that arranges global travel and wants broader professional liability limits and supplier contract review—Colonial General can access markets familiar with multi-jurisdictional exposures.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.