AMMIS
AGENTE DE SEGUROS Y FIANZAS
MEXICO
Marine and Specialty Insurance Professionals
TOUR & EXCURSION OPERATORS
Cruise lines, international hotel chains and travel agencies require that you, as a tour or excursion operator, have insurance to cover your liability to clients. We help you to protect your operation from the risks associated with both the tour activities themselves and day-to-day business interactions and functions.
CRUISE LINE AND RESORT HOTEL REQUIREMENTS
There are several excursion insurance requirements for tour operators who contract with cruise lines and resort hotels, or sub-contract to other major tour companies. These requirements are a necessity for any tour or excursion operator to compete in a business that places heavy emphasis on the quality and amount of the liability insurance policy of a service provider to whom they refer their guest.
Without the proper liability protection, tour and excursion operators will inevitably miss opportunities to provide services to these customers and will miss out on profit opportunities for their company.
MEXICAN INSURANCE LAW REQUIREMENTS
It is strictly prohibited to contract liability insurance for operations in Mexico from insurers that are not registered with the Mexican Insurance Regulator, the Comision Nacional de Seguros y Fianzas (CNSF).
AMMIS provides cover, usually only offered by international insurers, through Mexican Insurance Companies.
Unlike many other brokers for this type of coverage, we only offer insurances that are compliant with Mexican law.
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TYPES OF COVERAGE
CONTINGENT GENERAL LIABILITY
Also referred to as Third Party or Public Liability, this coverage is mandatory for mitigating exposure for any tour operator dealing directly with cruise passengers.
This coverage excludes auto, aircraft and motorboats. Non-motorized watercraft such as kayaks; canoes; sunfish; etc. are included.
This coverage does not replace any business property or liability coverage placed locally. This insurance is mandatory for mitigating exposure for any tour operator dealing directly with the public. This includes every service from ziplines, river rafting tours, cultural walking tours and museum tours to vehicle and watercraft rentals.
The liability insurance coverage should include third party claims for personal injury, property damage or loss and the legal cost in settling the claims. The claims against tour operators can be settled out of court in some cases, but there is usually a monetary settlement involved that could potentially bankrupt a tour operator without adequate insurance trip coverage.
CONTINGENT AUTO LIABILITY
This coverage is excess auto liability coverage over and above your local compulsory automobile insurance and includes coverage for owned, hired and non-owned vehicles. This liability insurance is an excursion insurance requirement for tour operators with any type of motorized vehicles that provide transportation to cruise passengers.
This insurance covers* damage to the vehicle from the person using it, injury and property damage or loss to participants on the tour if an accident occurs and medical expenses for injuries.
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*Refer to your policy for specific coverage.
CONTINGENT WATERCRAFT LIABILITY
Similar to Contingent Auto Liability, this liability insurance provides the excursion insurance requirement for tour operators with any type of motorized or non-motorized watercraft that provide transportation to cruise passengers.
This insurance covers* damage to the vehicle or watercraft from the person using it, injury and property damage or loss to participants on the tour if an accident occurs and medical expenses for injuries.
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*Refer to your policy for specific coverage.
