Insurance

There have been many questions from new members and potentially new members about the insurance policy offered by TGAGNOI. For full details of what the insurance policy covers, click here for Q & A

IT IS IMPORTANT TO NOTE THAT THIS IS NOT THE INSURANCE REQUIRED TO TAKE VISITORS INTO A CEMETERY.

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.

This policy covers a Tour Guide working as an Independent Contractor for a third party. Essentially, you are considered an Independent Contractor if you are paid by a third party for your work. 

However, coverage does apply to guides who have been contacted directly by a client and a tour is provided for no more than four people. This policy will not cover per capita tours sold online, through kiosk sales, streetside walkups, etc.

So, then, what is the benefit of having the insurance?

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.