National Federation of Tour Guide Associations Liability Insurance Policy

TGAGNO partners with the National Federation of Tour Guide Associations (NFTGA) to offer a general liability policy for independent contractor tour guides. This is the first of several pages of Q & As. Many Tour Operators and DMCs will not hire a Tour Guide as an Independent Contractor who is not covered by Independent Contractor insurance.  This is why insured Tour Guides are indicated by an asterisk in the directory.

For full details of what the insurance policy covers, click here for Q & A

Q. Who can be covered by this policy?

A. The easy answer would be Independent Contractor (IC) Tour Guides.  But the diversity of terms in this industry, and how each association understands the terms, requires a more descriptive answer. 

You would be covered by this policy while performing duties as a Tour Guide, Step-On Guide, Tourist Guide, Tour Escort,  Meet and Greet, IC (Independent Contractor) and possibly as a TD, Tour Director, Trip Director, Tour Manager, Travel Manager.  (See Primary Exceptions below.)

You would be covered by this policy while working for – but not as - a DMC (Destination Management Company), Meeting Planner, Tour Operator, Wholesale Tour Operator, Tour Organizer, Tour Planner, Tour Company, Transportation Company, Museum, Receptive Travel Service, Travel Company, Event Planner, Production Company and others.

You would also be covered for walking or step-on tours resulting from self-promotion, such as advertising your services on the internet or elsewhere.  The key here is that you would NOT be providing transportation, meals, or lodging.

Primary Exceptions:

You would not be covered if you are a/the tour operator, DMC, etc., who planned, organized and sold the tour, event or meeting to the public.  If you are in the business of planning, organizing or selling tours to the public (or private individuals) this insurance is not for you.  This insurance is not Professional Liability insurance.

You would not be covered if you are a/the tour operator, DMC, etc., who planned, organized and sold the tour, event or meeting to the public. If you are in the business of planning, organizing or selling tours to the public (or private individuals) this insurance is not for you. This insurance is not Professional Liability insurance.