Like all professionals, businesses operating in the tourism sector have a strong interest in taking out professional civil liability insurance to cover any damage linked to the exercise of the activity. Whether you work in a travel agency, a tour operator, an airline, renting accommodation or offering leisure activities, it is essential to protect your activity in the event of unforeseen events. Explanations
What is professional liability insurance?
A major insurance for the protection of companies,professional liability insurance is widely recommended for all professional sectors, and even compulsory for some of them, which is notably the case for travel agencies. We speak of civil liability for the legal obligation to repair damage caused to a third party. In concrete terms, when a company causes damage to a third party in the context of its activity and services, professional civil liability insurance covers the company by reimbursing all or part of the damage caused to the victim.
Namely, professional liability insurance protects against damage caused by all employees of a company, but also temporary workers, trainees, premises or professional equipment.
Why is it important for tourism professionals to take out professional civil liability insurance?
The managers of companies linked to the world of tourism must first of all check that the civil liability cover does not already appear in a professional multi-risk contract. If this is not the case, then it is strongly recommended that you find out about the guarantees offered by professional civil liability insurance from an insurance company.
If it is important to take out this type of insurance in the tourism sector, it is because a multitude of situations can cause damage to a third party. For example, let's take the case of people who are stuck for long hours in an airport because of a plane delay or who have suffered the loss of their luggage, the victims can then sue the airline company. But it can just as easily be people who injure themselves by renting a defective bicycle or a group of tourists unable to access a monument for one reason or another during a trip organised by a tour operator.
Today, many insurance companies offer professional indemnity insurance policies to companies operating in the tourism sector, which is a vast sector with a very large number of people passing through their structures throughout the year. In order to be offered the best possible contract, it is highly recommended to make an appointment with an advisor and to evaluate the risks incurred by the sector of activity concerned. In this way, the insurance company will be able to propose an offer adapted to the services offered and the financial capacities of each structure.
France is often among the most visited destinations in the world, involving a large number of companies working in the tourism sector. In order to continue to welcome ever-increasing numbers of travellers and prevent risks, professional liability insurance is the best ally
