Covers bodily injury and property damage claims from tourists and visitors. Tourism businesses face significant liability exposure — slip and falls, transportation incidents, and activity-related injuries are common claims.

Covers vehicles used to transport tourists. Personal auto policies exclude commercial passenger transport — if you transport tourists, commercial auto coverage with appropriate passenger liability limits is required.

Covers your business location, equipment, and inventory. Tourism businesses often have significant equipment investments — tour vehicles, specialized gear, and retail merchandise that need proper protection.

Covers claims arising from professional errors or negligent advice. Tour operators and travel professionals need professional liability coverage for claims arising from itinerary errors, booking mistakes, or negligent recommendations.

Covers lost income if your tourism business is forced to close due to a covered loss — fire, natural disaster, or other covered perils. Tourism businesses are particularly vulnerable to seasonal income disruption.

Required in Oregon for businesses with employees. Tourism businesses often have seasonal and part-time workers — workers' compensation coverage must be maintained year-round even for seasonal operations.