Travel agent insurance is a tailored form of business insurance that protects travel professionals from industry-specific risks. Unlike general business insurance, it includes coverage for the complex legal and professional liabilities that come with managing travel arrangements for clients.

If a booking falls through, incorrect advice is given, or a customer experiences a loss due to your recommendations, your agency could be held responsible — even if it wasn’t directly your fault. That’s where the right travel agency insurance becomes essential since many policies don’t cover vicarious liability.

At Gow-Gates, our Travel Agents and Tour Operators Professional Indemnity and Broadform Liability meets the needs of modern travel agents. Backed by a Lloyd’s of London–supported underwriter and designed by specialists, it includes:

• Professional Indemnity – For claims of negligence or incorrect advice
• Public Liability (optional add on) – Covers legal liability in respect of bodily injury or property damage

With limits ranging from $500,000 to $20 million and a low $500 excess, this policy is built to protect your reputation and your revenue.

What Travel Agency Insurance Do Travel Agents Use?

Travel agents don’t typically use consumer travel insurance — they need business-grade cover tailored to their role. What they need is travel agency insurance, like the Gow-Gates Travel Agents & Tour Operators Professional Indemnity and Broadform Liability, which is built for Australian travel professionals and includes a combination of protections specific to travel planning and client relationships.

With rising client expectations and legal scrutiny, it’s more important than ever to have the right insurance — not just any policy.

Gow-Gates also offers industry-specific guidance through a newly expanded team of travel agency and tour operator insurance experts who understand the operational realities of travel agencies and provide truly tailored advice.

Do I Need Travel Agency Insurance for Domestic Travel in Australia?

If you’re a travel agent arranging domestic travel, it’s easy to overlook insurance — but that’s a costly risk. Clients traveling within Australia still expect a seamless experience. If things go wrong and you're seen as responsible, you could face legal claims or financial loss.

Here’s where insurance for travel agencies steps in.

Even domestic trips can involve:

• Booking errors that result in financial loss
• Injuries during excursions or accommodation issues
• Supplier failures that reflect back on you

Gow-Gates’ Combined Liability Insurance for the Travel Industry covers both domestic and international operations — ensuring that your business is protected, regardless of where your clients travel.

It’s not just about ticking boxes. It’s about protecting your business, your clients, and your peace of mind.

What Is the Best Insurance for Travel Agencies in Australia?

For consumers, the “best travel insurance” may mean covering luggage and medical care. But for travel professionals, the best insurer for tour operators and travel agencies is one that protects their business from legal, financial, and reputational risks.

Gow-Gates’ Combined Liability Insurance Policy for the Travel Industry stands out in the Australian market for several reasons:

• Customisable cover from $500,000 to $20 million
• Low $500 PI excess to support your cash flow
• Comprehensive liability protection, including bodily and mental injury
• Dedicated support from travel-specialised advisers
• Exclusive discounts for accredited agents and industry members

Whether you're a sole operator or part of a large agency, Gow-Gates helps you secure insurance that’s not just compliant — but competitive and commercial.

Let Gow-Gates help you secure the right insurance for your travel agency with our new Travel Agency and Tour Operator Insurance policy. Contact Gow-Gates Travel Agency and Tour Operator Insurance adviser today and get cover built specifically for Australian travel professionals.

Disclaimer:

This information is general in advice only and does not take into account your personal objectives, financial situation or needs. The information provided in this blog post is for general informational purposes only and does not constitute legal, financial, or insurance advice.

The response of an insurance policy to a claim can vary depending on each particular circumstance and the terms and conditions of the policy.