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Public liability insurance for tour operators and guides

Our comprehensive insurance solution for tour operators and guides is available online in minutes.

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1300 655 931

Cover we can arrange

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$505

Up to 2,000 attendees* per annum

*An attendee is defined as per person per day.

  • 12 months cover for general tour operator individuals and businesses

  • $20 million public and product liability cover

  • $250,000 goods in care, custody and control cover

  • Coverage throughout Australia and New Zealand

  • $500 excess for each and every claim

  • Turnover limited to $200,000 or under for annual period

Buy now
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$650

Between 2,000 and 5,000 attendees* per annum

*An attendee is defined as per person per day.

  • 12 months cover for general tour operator individuals and businesses

  • $20 million public and product liability cover

  • $250,000 goods in care, custody and control cover

  • Coverage throughout Australia and New Zealand

  • $500 excess for each and every claim

  • Turnover limited to $200,000 or under for annual period

Buy now

Why choose insurance for tour operators and guides with Marsh?

75+ years’ experience

Our decades of experience arranging tailored insurance solutions for the performing arts gives us unmatched industry expertise.

By performers, for performers

We take a personalised approach to our service and our products, informed by our firsthand experiences in the performing arts.

Trusted partners

We are the principal risk partner to a number of industry associations – including APRA AMCOS, Sydney Theatre Company and Music Australia.

Why do tour operators and guides need a public liability insurance?

Tour guides, operators and companies need insurance for several reasons.

One is the risk of third-party injury or property damage. A tour attendee could hold you responsible if they get hurt or have their belongings damaged during your tour – which means they could make a claim against you.

Customised insurance solutions for diverse tourism experiences

  • Sightseeing tours
  • Food and wine tours
  • Culture and history tours
  • Educational tours
  • Bus and coach tours
  • Restaurant tours
  • Sports experience tours (excluding participation).

What insurance do tour operators and guides need?

Public liability cover

Public liability insurance helps protect you against claims made by a third party – like a tour attendee. It helps cover the costs of injury and property damage (including legal fees).

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Personal accident cover

An unexpected injury can be a huge setback. Personal accident insurance provides you with weekly and lump sum benefits if you are too injured to work as usual.

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Volunteers’ injuries

An on-the-job injury doesn’t need to spell disaster. Look after your volunteer tour guides and staff with voluntary workers personal accident insurance.

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Travel insurance

On the road often as part of your touring job? Know your luggage, medical costs and cancellation fees are taken care of with a travel insurance policy.

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Professional indemnity

If a third party faces a financial loss while acting on your professional advice, they could hold you responsible. Professional indemnity insurance helps cover the costs of advice-related claims.

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Frequently asked questions

Our online insurance product can’t cover the following activities: 

  • Adventure (canyoning, kayaking, rock-climbing and similar) activities
  • Camping
  • Adrenaline/extreme sports
  • Water-based activities
  • Cycling tours
  • Pub crawls and other similar high-risk activities
  • 4WD/off-road tours and similar activities. 

Want to discuss alternative solutions? Give our team a call on 1300 655 931.

Public liability insurance for tour operators, guides and companies offers financial protection for third-party injury and property damage.

Someone could seek compensation from you if they get hurt or if their belongings are damaged during one of your tours. If they did, your public liability policy would help cover the costs.

Your certificate of currency – also known as a certificate of insurance – expires on the same date as your one-year tour operator or tour guide insurance policy. You’ll need to purchase a new policy once your existing cover expires.  

If an incident occurs, contact the Marsh entertainment team as soon as you can. We want you to get the best possible outcome, so we will advocate for you throughout the entire claims process.

Claims can be stressful, but – as the world’s largest insurance broker – we strive to make the process straightforward. 

Yes. You can contact Marsh to add a new interested party to your certificate of currency.

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LCPA 24/412

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer.

This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from MAI on request. MAI makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors.

The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.