National Federation of Tour Guide Associations
Liability Insurance Policy
Please note that this is individual tour guide insurance, not business insurance. Be sure to read the FAQ document below before purchasing this insurance.
NFTGA provides Member Associations with access to Commercial General Liability Insurance for associations' individual certified professional guide members. This coverage is optional and unchanged from the 2025 policy. Members who opt-in must pay dues for their coverage.
General Liability Insurance Summary for NFTGA Members (2026)
What It Covers
This optional general liability policy protects tour guides against third-party claims for bodily injury or property damage that might occur while conducting tours. Coverage includes legal defense, settlements, and judgments up to the policy limits, as well as medical payments for accidental injuries to guests and limited coverage for damage to premises rented for tours or events. It's designed to help protect a guide's livelihood in the event of an unexpected incident or claim.
What's Not Covered
This policy does not cover professional errors or omissions (such as incorrect tour information), operation of vehicles or boats, intentional acts, employee injuries, communicable disease transmission, or damage to your own property. It also excludes travel agent activities, setting of safety standards, and exposures related to pollution, mold, or cyber incidents.
Why It Matters
Even careful guides can face unexpected accidents - a guest tripping, a broken item, or a venue claim. Often guiding activities are excluded from other non-commercial insurance policies one might have, leaving personal assets at risk in the unlikely event of a guide being named in a lawsuit. Having this protection provides peace of mind and professional credibility as a guide works independently under contract.