Your liability goes further than most people think
As a tour operator you are liable not only for accidents in the hotel or in other accommodation but for everything that happens within the responsibility of the service providers you engage, which includes the coach company and the airline. That is what our operator's liability for personal injury and property damage including the air carriage risk is for.
Financial loss is a subject of its own
Claims for non performance or poor performance of the travel contract, for example for a holiday spoiled, are neither personal injury nor property damage. They fall under financial loss liability for tour operators. On group trips in particular such claims add up quickly, because they affect all the participants at the same time.
Insolvency protection and the insolvency certificate
Anyone collecting the price before the service is provided has to show insolvency protection under sections 651r and 651w of the German Civil Code and hand the customer an insolvency certificate. A surety bond policy for tour operators is often the practical route. We check with you which version suits your turnover and your structure.
We know the industry
We have worked closely with associations, sports schools and tour operators for decades. From that practice we know the places where things regularly go wrong when a claim arises: unclear chains of service, missing insolvency certificates, gaps in the transfer risk.
Before the brochure goes out.
Send us your programme and the policies you have so far. We will tell you what is missing.