RC Pro travel agency: comparison and advice

RC Pro travel agency: comparison and advice


Here's everything you need to know about professional travel agency insurance. If you are responsible for a travel agency, you must be covered by RC Pro for the duration of your activity. What are the main risks in your business? When do you become liable as a travel agent? We explain everything about insurance as a travel agency and give you our tips for safe practice.

Summary

    What are the best RC Pro for a travel agency?
    How does the professional civil liability insurance of a travel agency work?
    What activities are covered by professional travel agency insurance?
    What are the other professional insurances for a travel agency?

What are the best RC Pro for a travel agency?

There are very few RCP insurance contracts available to insure you as a travel agency. We present here the three reference contracts.
Hiscox
Guarantees
Professional liability, operating liability, financial guarantee, defense and recourse
Opinion
The best price on the market. Financial guarantee included. Coverage limit of € 1,500,000.
Rate
€ 780 / year with the broker Coover
Matmut
Guarantees
RC pro, RC operating, Financial guarantee, Defense and Recourse, RCMS
Opinion
Contract offered for Matmut members. Prices not always competitive.
Rate
Quotation
AXA
Guarantees
RC pro, RC operating, Financial guarantee,
Opinion
High insurance premium especially new travel agencies with no insurance history.
Rate
Quotation
RC Pro Travel Agency Award
How does the professional civil liability insurance of a travel agency work?

The profession of travel agent is a regulated profession. The Professional RC Travel Agency is mandatory and must be presented with your file for Atout France. In addition to civil liability, you must also be covered by a financial guarantee from a bank or an insurer.

RCP Travel Agency protects you in the event of damage caused to a third party (often a customer) during your professional activity. This also concerns material, immaterial and bodily damage.
Civil liability pro
Main risks
Involvement of liability by a customer who considers that the service sold was not compliant or for any loss he may suffer during his trip.
Probability
High
Comments
The activity of a travel agency very regularly involves the risk of incurring civil liability.
Travel agency financial guarantee
Main risks
The travel agency financial guarantee (also called travel surety) covers the bankruptcy of the travel agency, fraud and embezzlement on funds advanced by customers.
Probability
High
Comments
The financial guarantee protects your future customers and reassures them before paying any amount.
Guarantee of recourse and criminal defense
Main risks
Proceedings initiated by your clients in the event of professional misconduct
Probability
High
Comments
Covers legal costs in the event of an appeal or defense action
Juridic protection
Main risks
Litigation with an insurer, another broker or a client.
Probability
High
Comments
Rather rarely included in RC Pro travel insurance contracts
Professional civil insurance travel agency
What activities are covered by professional travel agency insurance?

Compulsory RC Pro tourism insurance therefore concerns travel agencies, tour operators and tour operators for the following activities:

    Ticketing ;
    organization of stays or trips;
    hospitality tourism;
    sale of dynamic packages;
    sale of stays organized by a tour operator.

Other tourism professions (tourist guide, tourist office, monitors, etc.) are only affected by compulsory insurance if they sell travel services.
What are the other professional insurances for a travel agency?
Mutual health
Status
Mandatory if you have employees. Optional if you are self-employed.
advice
If you are an employee, the choice of the complementary is made by the company. If you are self-employed, you will have to find a mutual insurance fund yourself.
Rate
Car Insurance
Status
Mandatory if you use a vehicle while performing your duties
advice
If your vehicle is already personally insured, do not forget to include professional use in your contract (this is often possible).
Rate
Professional multi-risk
Status
Mandatory if you have a private workplace (practice)
advice
Covers your travel agency and loss of activity linked to a disaster (fire, burglary, pandemic, etc.)
Rate
Foresight
Status
Ob