Tour Guide Insurance
Specialist cover for tour guide businesses from £8.57* per month.
- Public liability for Tour Guides
- Professional indemnity cover
- Join over 180,000 customers**
From only £8.57* per month
Save 10% Onlineˆ
What does tour guide liability insurance cover?
Tour guide liability insurance covers a range of potential claims, including accidental injury to members of the public and accidental damage to their property.
If you include professional indemnity cover in your policy, tour guide insurance will also protect you against claims of negligent advice. Theft, loss, or accidental damage to business equipment can also be covered.
It is designed for a range of tour guide businesses, from independent walking tour leaders to private guides and group operators. Whether you run city tours or bespoke experiences, it helps keep you protected while you work.
As with all insurance for tour guides, always check your policy documents for any exclusions relevant to your activities.
Public Liability
Professional Indemnity
Employers' Liability
Equipment
Personal Accident
Public Liability and Products Liability
- From £1 million to £5 million of cover.
- Protection from claims by a third-party who gets injured during a tour or has their property damaged.
Professional Indemnity
- From £250,000 to £1 million of cover.
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Business Equipment
- Up to to £25,000 worth of cover
- Cover is provided on a new for old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Overseas Extension
- Work abroad for up to 30 days a year.
Select Europe or Worldwide (excluding the USA & Canada).
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Expertise out of your scope of work.
- Businesses with more than 5 employees
- Damage to electronic data
- Wear and tear of equipment
- Hiring out equipment
- Training provided to another party that isn’t an employee
- Operating in the US and Canada
- Anyone aged 16 or younger working for you
For further information on exclusions in your cover please refer to policy documentation.
Why do tour guides need insurance?
Tour guides need insurance to protect themselves against claims from members of the public following accidents during tours, as well as professional errors such as providing incorrect information or inadequate safety guidance. It helps cover legal costs and compensation, offering peace of mind when working with the public.
Public liability cover
While leading a tour, you could accidentally damage property, such as a venue or public space, leading to a claim for repairs.
Tour guide public liability insurance protects you from the legal and financial impact, so you’re not left covering the costs.
Professional indemnity insurance
While leading a tour, you might provide incorrect information or miss part of the experience, leading to a client complaint or claim.
Professional indemnity cover, available within tour guide insurance, can help with legal costs and compensation. It’s an important part of insurance for tour guides, protecting your business from the impact of genuine human error.
Equipment cover
Your equipment – such as maps or audio devices – is essential to running your tours. If it’s lost, stolen, or damaged, it can quickly disrupt your business.
Equipment cover within tour guide insurance helps you replace items quickly, so you can keep your tours running.
Personal accident cover
Leading tours can be physically demanding, with long hours on your feet and busy environments. If you’re injured and unable to work, your income could be affected.
Personal accident cover within tour guide insurance provides financial support while you recover. It’s a key part of insurance for tour guides, helping protect your livelihood if the unexpected happens.
Proof of liability cover
Many venues, attractions, and event organisers require proof of tour guide public liability insurance before allowing tours to go ahead.
This ensures protection if accidental injury or property damage occurs. Having the right tour guide insurance helps you meet these requirements and secure bookings with confidence.
Our experts explain why...
“Working as a tour guide involves far more than sharing knowledge, it means managing groups, navigating public spaces, and delivering safe, engaging experiences in often busy or unpredictable environments. From leading walking tours through city streets to hosting private excursions, tour guides face a unique mix of logistical, environmental, and people-focused challenges every day.
That’s why our tour guide insurance has been designed with flexibility and real-world protection in mind. Whether you’re working independently or running a small tour business, our cover helps protect you against unexpected incidents such as injury claims, property damage, or disputes. With tour guide public liability insurance as standard and other optional benefits such as personal accident cover and more, you can tailor your policy to suit the way you work.
Ultimately, our aim is to support tour guides with reliable insurance for tour guides, so you can focus on delivering great experiences, not worrying about the risks. We take care of the ‘what-ifs’, so you can concentrate on what matters most: your tours.”
Chris Trotman, Protectivity Underwriting Manager
How much does liability insurance for tour guides cost?
At Protectivity policies start at just £8.57 per month.*
The cost of your policy can vary depending on how you work. If you run larger groups, operate in busy public areas, or offer a range of tours and locations, your premium may be higher to reflect the level of risk. Optional extras such as professional indemnity, personal accident cover, and legal expenses can be added to build a policy that suits your specific needs.
Ultimately, investing in insurance for tour guides helps ensure your business and reputation are protected, wherever your tours take you.
Prices from
£8.57* a month
Explainer quote
Policy cost
£8.57* a month
Policy type
Tour guide insurance
Policy duration
Annual
Public Liability
£1,000,000
This example is based on a real quote from our website on 29/04/2026. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your tour guide insurance?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 policyholders.
Experienced insurance providers for over 30 years.
5* reviews from 3,500+ customers.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
On average we answer your phone calls in under 2 minutes
Frequently
Asked Questions
What type of insurance do I need as a tour guide?
Most tour guides require public liability insurance as a core cover. Depending on your services, you may also consider professional indemnity and personal accident cover.
Am I covered if I provide tours in multiple locations or cities?
Yes, most policies allow you to operate in multiple locations, but you should ensure all areas of operation are included within your cover.
What happens if I give incorrect information that causes financial loss to a client?
Professional indemnity insurance can help if a client claims financial loss due to incorrect information or advice, covering legal costs and compensation.
Am I covered for tours abroad or multi country excursions?
Protectivity’s Tour Guide insurance would not provide any overseas cover for tours abroad.
What happens if a tour member’s belongings are lost or stolen during the tour?
This is not typically covered under standard policies, as personal belongings are usually the responsibility of the individual.
Am I covered if extreme weather forces me to cancel a scheduled tour?
Cancellation due to extreme weather would not be covered under this policy.
Does my insurance cover private tours and corporate group bookings?
Yes, public liability insurance generally covers both private and corporate bookings, provided the activities fall within your declared business operations.
Am I covered if I use third party suppliers like transport or activity providers?
Your insurance typically covers your own liability, but third party suppliers should have their own insurance. It is important to check contracts and responsibilities.
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 29/04/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
ˆ10% introductory discount applies to the first-year policy premium only and is not available to current Creatives Insurance customers. Protectivity reserves the right to amend or withdraw this offer without notice. Available to UK residents only.
¹Based on live Feefo data