Tour Operators Liability Insurance in the UAE: Protecting Your Customers and Your Business

Introduction

As the UAE (United Arab Emirates) is witnessing remarkable growth in the tourism sector, you may find it profitable to start a tourism business. The reason is due to the increasing number of tourists coming to the UAE and ongoing developments in diverse areas of the country. However, as a tour operator, you must not ignore the potential risks associated with the business for well-executed operations.

Accidents, professional indemnity, third-party claims, and other risks may trouble you with financial setbacks and legal complications. Additionally, the risks create problems for your customers who embark on the journey under your responsibility.

The best solution to protect your customers as well as your business from these risks is getting a well-planned tour operator’s liability insurance policy. This blog is here to highlight details that you need to know as a tour operator that you might not be aware oformighthavemissed.

What is Tour Operator Liability Insurance in the UAE?

Tour operator liability insurance protects tour operators from liabilities arising out of their business operations, including arranging, planning, executing, and managing tours.  The insurance covers the financial responsibilities, including legal costs arising from the claims.

Ranging from slip and fall, hiking injury, food poisoning, poor accommodation services, etc., to environmental threats, trip cancellation due to crucial weather alerts, and so on, a tour operator’s liability insurance broadly covers all such risks. Claims arise when these risks result in bodily injuries, property damage, illness, or any other loss. Leading insurers often include the dangers of professional indemnity, like client booking errors, providing incorrect or inadequate information, etc.

How Can You Obtain the Tour Operator Liability Insurance in the UAE?

Recognize and assess your risks:

Not all tour operators have the same type and intensity of risks. For example, a tour operator who arranges and manages international tours is mostly exposed to risks different from those of a tour operator who organizes short trips within the country. To protect your business, assess the risks and determine how much coverage you need.

Find a trusted insurance service provider:

Look around you and find an insurance service provider who can understand your unique needs and  aware of the ins and outs of the UAE tourism industry. With years of experience, they can help you find a tour operator’s liability insurance that meets your needs.

Select a suitable coverage limit:

Insurers offer various coverage limits under tour liability operator’s insurance, which tour operators can opt for depending on their insurance budget and requirements. The frequency of the occurrence of risks on their trips, the types of risks that may occur, etc., are some of the crucial factors that need to be considered when selecting the insurance coverage limits. 

Learn about the availability of add-ons:

Like many other insurance policies, tour operators’ liability insurance is likely to have some exclusions. While learning about them is important, you must have a look at available add-on coverages that can include the exclusions or provide other additional benefits.

Follow up on policy renewals and updates:

Only obtaining insurance is not enough until you renew it on a regular basis. Additionally, with the help of your insurance service provider, you should update your policy depending on the recent changes in the insurance company’s regulations, policy terms, etc.

In this way, a tour operator can successfully obtain tour operators liability insurance and protect the interests of both their clients and business at the same time.

Things to Remember while Obtaining the Insurance:

• Review the insurer’s reputation well to avoid any further inconvenience.
• Rely upon the insurers who are transparent in the overall work process.
• Make sure you, as a policyholder, have clear communication with the insurer directly or through your insurance service provider.
• Get a copy of the policy terms and conditions and go through them carefully.
• Understand what to do if there is a dispute over the policy’s coverage.
• Explore diverse policy options under the tour operator’s insurance before choosing one.

About CoverB

As a reliable insurance Advisory in the UAE, CoverB helps to  advisea wide range of corporate insurance policies for business owners and individuals. Among various policies, tour operators’ liability insurance is one of the most effective policies for those who operate trips and tours as individuals or own a tour operating company. With its team of advice experts, CoverB is everyone’s one-stop destination for all types of insurance needs.

Final Words

Organizing a tour for your clients as a tour operator may include certain risk management strategies e.g. offering emergency medical facilities, providing property damage repair costs, arranging urgent transportation for sick or injured people, etc. The financial support that you need to fulfill all these liabilities properly is given by the tour operator’s liability insurance. Additionally, this insurance could protect you from legal issues if you failed to insure your UAE business.

Secure your business with tailored tour operators liability insurance. Contact CoverB today for expert advice and cost-saving solutions.