Looking for Tour Guide Insurance?
Protect your tour business from customer injuries, liability claims, vehicle accidents, and professional errors. Get coverage for tour guides, tour operators, and sightseeing services.
What is Tour Guide Insurance?
Tour guide insurance protects tour operations from customer injuries, liability claims, vehicle accidents, and professional errors. Coverage includes general liability, commercial auto, and professional liability. Venues, municipalities, and contracts require proof of insurance before tours or permits.
Tour Participant Safety
Coverage for customer injuries during tours, excursions, or sightseeing activities.
Transportation Liability
Protects against vehicle accidents during tour transportation.
Professional Liability
Covers tour planning errors, misinformation, or service failures.
Certificates
Fast proof for venues, municipalities, and tour partners.
Who Needs Tour Guide Insurance?
- Tour Guides : Businesses requiring specialized insurance coverage
- Tour Operators : Businesses requiring specialized insurance coverage
- Sightseeing Companies : Businesses requiring specialized insurance coverage
- Adventure Tour Providers : Businesses requiring specialized insurance coverage
Why Harper?
Tour Guide Expertise
We understand tour operation risks—participant injuries, vehicle accidents, venue liability, and professional errors. Get coverage for walking tours, bus tours, adventure tours, or specialty experiences.
Fast Proof for Venues
Tourist attractions and venues require insurance before allowing tour groups. We deliver certificates quickly for venue access.
Clear Simple Guidance
We explain general liability, commercial auto, and tour-specific insurance requirements clearly.
Tailored to Your Tours
Match coverage to your experiences—walking tours, bus tours, adventure activities, food tours, or specialty tourism.
Frequently Asked Questions
What insurance do tour guides need?
Tour guides need general liability for participant injuries during tours, including slips, falls, or accidents at tour locations, commercial auto if providing transportation (buses, vans, or boats), and professional liability for tour errors, misinformation, or service failures causing customer losses. If offering adventure activities, specialized activity liability is needed. Foreign liability coverage is essential for international tours, while hired/non-owned auto coverage covers guides using rental vehicles.
Is tour guide insurance required?
National parks, tourist attractions, and venues typically require tour operators to carry general liability insurance ($1-2 million minimum) and add them as additional insureds before allowing commercial tour groups. Municipalities require insurance for tour permits and business licensing. Commercial auto insurance is legally required for any vehicles transporting customers. International tour operators may need coverage meeting foreign country requirements.
How much does tour guide insurance cost?
Walking tour guides or small tour operations pay $800–$2,500 annually for basic general liability coverage. Tour companies with vehicle transportation pay $5,000 to $15,000+ annually, including commercial auto. Adventure tour operators or companies with multiple guides pay $10,000 to $40,000+ annually. Costs depend on tour types (adventure costs more than walking tours), participant volume, vehicle transportation, international versus domestic tours, activity risks, claims history, and coverage limits.
Does insurance cover tour participant injuries?
General liability covers participant injuries during tours when reasonable safety measures are maintained, including injuries at tour locations, trips and falls during walking tours, or accidents during activities. Coverage applies when tour guides provide appropriate warnings, follow safety protocols, and don't engage in reckless activities. Injuries from obviously dangerous conditions or activities beyond typical tours may complicate claims.
Does insurance cover vehicle tour accidents?
Commercial auto liability covers accidents involving tour buses, vans, or vehicles during tour operations, protecting against injuries to passengers and third parties. Coverage applies when vehicles are properly maintained, drivers are properly licensed, and passenger capacity isn't exceeded. Tour companies must have commercial policies—personal auto insurance excludes passenger-for-hire operations and would deny claims for tour accidents.
Can attractions require tour insurance?
Yes, museums, national parks, tourist attractions, and venues allowing commercial tour groups require proof of general liability insurance (typically $1-2 million minimum), adding the attraction as additional insured, and sometimes specific coverage for activities conducted at their locations. Popular tourist destinations may maintain approved tour operator lists requiring documented insurance on file. Seasonal renewal of certificates is commonly required.