Events - Event View

Insurer:
Twin City Fire Insurance Co (The Hartford)

Term of Coverage:
January 1, 2021 to December 31, 2021

Territory:
United States of America

Annual Premium:
$49.00 per member for half the year

Covered Tour Guides:
Individual Members that desire coverage must have paid
the annual premium to their respective tour guide
associations.

Coverage:
General liability-Damages as a result of “Bodily Injury” or
“Property Damage” that you become legally obligated to
pay to which this insurance applies.

Limits of Insurance:
Each Occurrence
Medical Expense
Annual Aggregate
$1,000,000
$10,000 (any one person)
$3,000,000

Activities Exclusion:
Tours that include bicycle tours, mountain climbing,
horseback riding, rafting or boating are excluded.

Tour Operator Exclusion:
As defined by the policy, a “tour operator” refers to one
who makes any transportation, meal, lodging or guide
arrangements. Other duties include, but are not limited to,
hiring and paying vendors for goods or services related to
the public for sale. Tour operators are NOT covered by the
policy.

Duties in the Event of
Occurrence,

Offense, Claim or Suit
You must notify the president of your tour guide association
AND The Hartford as soon as possible.

Disclaimer: This is a summary provided for illustration purposes only; it is not a legal contract.
It is provided to facilitate your understanding of the insurance policy. Specific terms,
coverage, conditions, limitations and exclusions that will govern the event of a loss are listed in
the actual policy, which can only be obtained through purchase.