Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Duty of care · guests · partners
Insurance for tourism
In tourism the loss rarely arises in your own office: it arises with a partner, in another country, with a guest you did not accompany yourself.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Verzekeringen voor toerisme.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out your own premium with the calculator.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Anyone putting trips together or selling packages buys in from others: a hotel, a coach driver, a diving school, a local guide. If something goes wrong there, the first question is not whether you were present but whether you chose and checked that party with due care. That test runs through Article 6:162 of the Dutch Civil Code, and where you engage someone else for work forming part of your business, Article 6:171 DCC is added. Your file on the selection is then the evidence.
You also face an obligation that is not insurance. For package holidays you are required by law to provide security in case you become insolvent , so that travellers get their money back or are brought home. You arrange that through membership of a guarantee scheme with its own entry requirements and its own contribution. Do not confuse it with liability or travel insurance; it covers your insolvency, not your mistakes.
A third point is often overlooked: the guest's travel insurance is are policy, not yours. Repatriation, medical costs and lost luggage of the traveller run through it. Your own cover only starts where you are liable for injury or property damage, and where your business itself suffers loss through cancellation, a supplier failing or a destination being closed off.
What does insurance for tourism cover?
The structure of the cover in three parts, with an overview per situation below.
Assets and continuity
Business contents, goods and lost turnover during downtime.
- Business contents at replacement value as new
- Goods at cost price
- Business interruption or additional costs
Staff
Sickness absence, accidents and the traffic risk.
- Continued pay for 104 weeks
- Group personal accident
- WEGAS for traffic risks
What is covered
| Situation | AVB | BAV | Cyber |
|---|---|---|---|
| Injury to a visitor or customer | Yes | No | No |
| Damage to a client's property | Sometimes | No | No |
| Financial loss caused by an advisory or calculation error | No | Yes | No |
| Downtime after a ransomware attack | No | No | Yes |
| Data breach involving personal data | No | Sometimes | Yes |
| Damage to property in your care | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Record how you select partners
For each accommodation, transport operator and activity provider, note which criteria you applied, which insurance and safety evidence you asked for and when you last checked it. If a guest drowns at a provider with no lifeguard, that file is the difference between a defence and a settlement. Add annual rechecks to the process; a certificate from the first year of the contract means nothing at an incident four seasons later.
If you accompany guests yourself, a different risk starts
As soon as your own tour leaders, guides or instructors go out with guests, the discussion shifts to supervision and instruction. For active activities — cycling, sailing, climbing, winter sports — that activity has to appear on your policy in so many words. A general description such as tour operator usually does not cover guided adventure programmes. Declare the nature and frequency, even where it is only a few weeks a year.
Your territory is rarely worldwide
Policies have a territorial description and that is not always worldwide. If you add a destination outside Europe, or go to an area subject to negative travel advice, report it beforehand. Working in areas of war or unrest is also excluded as standard, as are the consequences of strikes, airspace closures and natural forces. You carry those items yourself or cover them contractually in your travel conditions.
Cancellations and booking errors are not property damage
A name passed on incorrectly, a flight missed because of your scheduling or a room double-booked costs money without anything being damaged. That is pure financial loss and it falls outside public and employers' liability insurance; professional indemnity cover is needed for it. Nor is there standard cover for your own loss of turnover from a cancelled season or a closed destination; that is only included case by case and subject to conditions.
What does your premium depend on?
- Nature of what you offer — Acting as an intermediary for individual bookings weighs less than putting together package holidays with your own guides.
- Destinations and area of cover — Europe, worldwide and higher-risk areas are assessed and priced differently.
- Number of travellers per year — The volume of bookings and participants is the usual basis of calculation for the liability section.
- Active or adventure activities — Water sports, winter sports, climbing and guided cycling tours increase the injury risk considerably.
- Your own staff on site — Tour leaders and guides abroad count towards the payroll and call for suitable employer cover.
- Own transport or accommodation — Owning coaches, boats or your own site adds buildings, own-damage and possessor's liability.
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
The questions we are asked most often about this.
Am I liable for an accident involving a local partner?
That depends on your role and on your file. If you offered the activity as part of your trip, the test is whether you selected and checked the partner with due care; Article 6:171 of the Dutch Civil Code can attribute the mistakes of a party you engaged to you. Evidence of insurance, safety certificates and a demonstrable recheck are then your main defence.
Is the guarantee scheme for package holidays insurance?
No. It is a statutory requirement to provide security in case you become insolvent, operated through a guarantee fund with its own entry requirements and contributions. It protects the traveller against losing the price of their trip and arranges their return in the event of insolvency. For loss you cause yourself, such as injury or a booking error, it provides no cover at all.
Do I have to arrange travel insurance for my guests?
No, that is the traveller's own policy. Medical costs, repatriation, luggage and cancellation for personal reasons run through it. You can point out how important it is and record that in your conditions. Your own cover starts where you are liable for injury or property damage, or where your business itself suffers loss through a supplier failing.
Is loss of turnover from a closed destination covered?
In principle no. Natural forces, strikes, airspace closures and unrest in a country are circumstances involving no physical damage at your end, and business interruption cover usually follows covered property damage. Only with an expressly included extension does such a thing qualify. So treat this category in your conditions and your cash flow planning as a risk you carry yourself.
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.