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By Dan Francis | December 6, 2017

We hope our covered agents and their clients never experience emergencies. But unfortunately, things happen.

Natural disasters, terrorist incidents, and random accidents can befall your travelers at any time, and even though you’re not at fault, there's a staggering list of strange and unbelievable events that could cause a claim to be filed against you as a travel professional. 

Our real-life claims have ranged from stolen luggage to a travel group passing away in a bus crash. Claim amounts have ranged from a few hundred dollars to seven figures.

The purpose of errors-and-omissions insurance is to protect you financially if one of these unforeseen business-critical events occur. The video below answers our most-asked questions about E&O.

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As part of your protection, you’re not simply covered financially for loss. Your E&O provider will also appoint you a lawyer and front all the costs for your legal defense for claims made under the policy's coverages and limits. And these costs are covered outside your limit of coverage for the year.

BHTP provides your company with your own personal agent – someone you can turn to for advice and guidance if challenging situations arise. 

If an emergency does occur, your first step is to call your personal agent and report the incident. Each situation is different, and your agent will work hand-in-hand with you to guide you in filing your claim.

Our one-of-a-kind Booking Protector® is also available with every BHTP policy to help you rectify a situation or preserve your right to file a claim – and it’s available 24 hours a day, seven days a week. 

Man in suit walking out of concrete buildingPhoto credit: Bram Naus via Unsplash.

Still, the most important component of E&O insurance is arguably the peace of mind gained by knowing a team of professionals has your back during the time you need them most, emotionally and financially.

Finding the proper business insurance to fulfill your specific needs is paramount. Schedule a one-on-one consultation today with our team of E&O experts, and let them help you choose the most precise and cost-effective coverage for your agency.


Dan Francis
Dan Francis

Dan Francis is one of the nation’s leading authorities in insurance for the travel industry. He joined Berkshire Hathaway Travel Protection in 2007, and has spent the last decade developing the company’s errors-and-omissions business into an industry leader. For the past four years, he has transitioned into leading the development of BHTP’s fixed-benefit product lines – the first such lines in travel insurance. Dan is licensed in all 51 jurisdictions for Property & Casualty, Accident & Health, Limited Line-Travel and Surplus Lines. He has a Bachelor’s degree in Business Administration from the University of Wisconsin-Stevens Point.

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Questions About Travel Insurance?

Check out our online guide, "What Is Travel Insurance All About?" We've provided in-depth answers to all your travel insurance questions, starting with the basics.

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