LIABILITY INSURANCE FOR TRAVEL AGENTS AND TOUR OPERATORS
TOUR OPERATORS’ AND TOUR AGENTS’ PROFESSIONAL LIABILITY INSURANCE, CREATED BY ALDAGI, IS FULLY TAYLORED TO TOUR OPERATORS’/TOUR AGENTS’ PROFESSIONAL ACTIVITIES, THAT COVERS:
- CLAIMS MADE BY INSURER’S CLIENTS, BEING BOTH, NATURAL AND/OR LEGAL PERSONS
- CLAIMS MADE BY OTHER TOUR OPERATORS/TOUR AGENTS AND THEIR CLIENTS
- CLAIMS MADE BY OTHER THIRD PARTIES
ACTIVITIES, THAT MAY RAISE IN INSURER’S LIABILITY
- TOURISTIC ACTIVITIES CARRIED OUT DIRECTLY BY INSURER
- TOURISTIC ACTIVITIES CARRIED OUT BY INSURER’S SUBCONTRACTORS
PUBLIC LIABILITY
COVERS BODILY INJURY AND PROPERTY DAMAGE IMPOSED TO ANY THIRD PARTY/PARTIES RESULTING FROM THE INSURED’S OPERATIONS
EXAMPLE
A FIRE BROKE OUT IN THE HOTEL WHERE THE TOUR OPERATOR TOOK TOURISTS AND DUE TO WHICH THE TOURISTS WERE INJURED.
PRODUCT LIABILITY
COVERS BODILY INJURY AND PROPERTY DAMAGE IMPOSED TO ANY THIRD PARTY/PARTIES RESULTING FROM THE INSURED’S PRODUCT/PRODUCTS
EXAMPLE
THE TOUR OPERATOR PROVIDED FOOD TO TOURISTS ON THE EXCURSION, AS A RESULT OF WHICH THE TOURISTS WERE POISONED.
PROFESSIONAL INDEMNITY
COVERS LIABILITIES RAISED AGAINST INSURED'S CLIENTS AS A RESULT OF THE INSURED’S PROFESSIONAL ERRORS OR OMISSIONS
EXAMPLE
THE TOUR OPERATOR MISSED THE HOTEL RESERVATION DATE, LEAVING THE TOURIST OVERNIGHT AT ANOTHER HOTEL.
DEFENSE COSTS
ALL REASONABLE LEGAL FEES, COSTS AND EXPENSES INCURRED BY THE INSURED WITH INSURER’S PRIOR WRITTEN CONSENT IN THE DEFENSE OR SETTLEMENT OF ANY CLAIM UNDER THIS POLICY ARE COVERED
COVERAGE
THIS POLICY PROVIDES „CLAIMS MADE“ COVERAGE. SUCH COVERAGE APPLIES ONLY TO CLAIMS FIRST MADE AGAINST THE INSURED AND REPORTED TO THE INSURER DURING THE PERIOD OF INSURANCE
LAW AND JURISDICTION
ONLY CLAIMS MADE ACCORDING TO THE GEORGIAN LEGISLATION ARE COVERED. IN CASE OF DISPUTE BETWEEN THE PARTIES, ONLY THE DAMAGES IMPOSED TO THE INSURED BY THE ENFORCED DECISIONS OF COURTS OF GEORGIA WILL BE INDEMNIFIED. DECISIONS OF COURTS/ARBITRATION/ MEDIATION OF FOREIGN COUNTRIES, WHETHER OR NOT SUCH DECISIONS BEEN RECOGNIZED/EXECUTED ON THE TERRITORY OF GEORGIA, WILL NOT BE COVERED HEREIN
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