Tour Operator Liability Insurance
You create unforgettable journeys for your customers — we ensure that nothing stands in the way of their experience. According to the Tourism Act, every tour operator is required by law to carry mandatory insurance under Article 61, paragraph 2, item 4, and Article 97, paragraph 1.
With Tour Operator Liability Insurance, you not only meet these legal obligations — you also reinforce your reputation as a reliable and responsible partner. This insurance provides protection, confidence, and peace of mind for both you and your customers. When unexpected situations arise, we step in to absorb the risk, allowing you to continue delivering exceptional travel experiences without interruption.
Tour Operator Liability Insurance provides coverage for the tour operator’s responsibility for damages incurred by consumers of organized or individual tourist trips when the operator fails to make payments to its service providers. This protection also applies in cases of insolvency or bankruptcy, ensuring that customers are not left unprotected in unforeseen situations.
This insurance is intended for all tour operators who are registered, or in the process of registering, to perform tour operator activities in accordance with the requirements of the Tourism Act.
- Refund of amounts paid by the consumer under the package travel contract before the start of the trip.
- Payment of the difference in cases where only part of the services agreed in the contract have been provided during the trip.
- Payment of expenses related to returning the consumer to the starting point of the trip.
- Payment of expenses for settling claims made with the express written consent of the insurer.
- Competitive pricing in accordance with individual agreements and legal liability limits.
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100% cost coverage – the insurance includes no deductible, ensuring that all approved expenses are covered in full by us.
- Individual approach and precise risk assessment.
Frequently Asked Questions
Insurance is required by the Ministry of Tourism and must be presented by every registered tour operator or by one who is about to be registered. For entry in the register of tour operators and travel agents, the persons referred to in Article 61, paragraph 2, item 1 of the Tourism Act shall submit to the Minister of Tourism an application-declaration for performing tour operator activities, including when the activity will be performed only electronically, attaching to the application-declaration a copy of the preliminary insurance contract.
The price of "Tour Operator Liability" insurance is calculated based on a liability limit determined according to the declared annual turnover (the declared turnover includes only the revenue from the sale of tourist packages to travelers and does not include the turnover from the sale of tourist packages to other tour operators) for the previous financial year and the presence or absence of charter flights in the tourist packages sold, as well as according to the individual risk assessment of the insurance applicant.
The insurance does not cover the payment of compensation in the following cases:
- Activities of the insured in his capacity as a travel agent;
- Difference in quality between the travel services specified in the package travel contract with the consumer and those actually provided during the trip;
- Compensation for damages and interest arising from the insured's failure to fulfill his contractual obligations to his creditors.
Tour operator liability insurance is taken out annually by tour operators registered under the Tourism Act for a period of one year and is submitted to the Ministry of Tourism within 30 days before the expiry of the previous insurance.
The insurance is taken out for the activities of tour operators - legal entities registered in Bulgaria, regardless of the place of residence of the travelers, the place of departure or the place of sale of the tourist package.
