NAICS UNIVERSITY · Free research for insurance agents
Tour Operators
NAICS 561520 · United States · 2022 edition
This industry comprises establishments primarily engaged in arranging and assembling tours. The tours are sold through travel agencies or tour operators. Travel or wholesale tour operators are included in this industry.
Start with the work promised to the client.
For Tour Operators, clarify the services, contracts and consequences of an error. Review professional liability / travel e&o, third-party vendor acts, trip cancellation and interruption liability. Confirm which professional activities and additional services the proposed coverage actually addresses.
Questions to ask
- What is the split between domestic and international tour destinations, and are any high-risk countries included?
- Does the operation include adventure, extreme sport, or physically demanding activity components?
- Are tours sold wholesale through travel agencies, direct to consumers, or both?
- What is the approximate annual tour revenue and average group size?
- How are vendor contracts structured — does the operator hold direct contracts with airlines, hotels, and activity providers?
- For Tour Operators, what should the underwriter know about adventure, extreme sport, or expedition components (rafting, mountaineering, diving, safari hunting) in the tour mix?
- For Tour Operators, what should the underwriter know about high-risk or state department-listed destination countries in the itinerary portfolio?
- For Tour Operators, what should the underwriter know about prior e&o claims related to trip cancellations, misrepresentation, or vendor failure?
Activities described by this code
Other activities to examine
- Acting as agents in selling travel, tour, and accommodation services to the general public and commercial clients: 561510 — Travel Agencies
- Conducting scenic and sightseeing tours: 487 — Scenic and Sightseeing Transportation;
- Providing guide services, such as archeological, museum, tourist, hunting, or fishing: 713990 — All Other Amusement and Recreation Industries
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Tour operators arrange and assemble travel packages — combining transportation, lodging, activities, and guide services from third-party vendors — then sell those packages through travel agencies or directly to consumers. Day-to-day operations are largely office-based: negotiating vendor contracts, building itineraries, handling booking logistics, and managing customer service for in-progress tours.
Questions to investigate
- What is the split between domestic and international tour destinations, and are any high-risk countries included?
- Does the operation include adventure, extreme sport, or physically demanding activity components?
- Are tours sold wholesale through travel agencies, direct to consumers, or both?
- What is the approximate annual tour revenue and average group size?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.