What Do Walking Tour Guides in Berlin Need to Know About Insurance?
Insurance of tours is all the more significant when it comes to becoming a walking tour guide in Berlin. Your job as a guide involves overseeing the safety of the persons under your care in the tour and thus requires insurance cover. Hereby, let’s expand the focus on the types of insurance that are relevant to be taken by the walking tour guides in Berlin.
1. Public Liability Insurance
Indeed, public liability insurance is one of the most important insurance policies for the walking tour guides. In case one of the participating organisations experiences an incurred loss due to an injury to a participant or the loss or damage to property in the course of the tour, it safeguards the participant. For instance, if a participant is on a tour, he/her slips and falls and gets an injury, you will be compensated via the public liability insurance in the event of compensation or legal fees.
Make sure that when you are taking a policy for public liability insurance that you are taking enough given the size of the groups that you are taking on tour as well as the activities that you are offering. Certain insurance providers may also include other related areas like the insurance for advertising liability as well as for protection from possible client claims of professional negligence. In this regard, it is good to read the policy details in detail and try to understand all the skeptical black and white features of the policy.
2. Personal Accident Insurance
This is a policy that acts as a contingency for the times that you get involved in an accident when conducting a walking tour. As the work is rather physically demanding, it is possible for accidents to occur. This insurance ensures that the policy holder is taken care of in case of an accident by cater for his or her medical bills as well as loss of wages. It might also cover other incentives for example permanent disability or the death benefit due to an accident.
When selecting the type of accident plan, determine how much your family would need for support in the event of such an accident that will incapacitate one from earning a living. While comparing the various auto insurance policies, try to establish an insurance policy that provides good coverage at a reasonable rate.
3. Professional Indemnity Insurance
This is because professional body injury liability insurance is crucial particularly for the walking tour guide who offers history or arts and culture information in his or her course of practice. It comes in handy when one of the participants of the tour experiences loss resulting from mistakes that you made during the planning process. For example, once an exhibitor incorrectly presents historical information during a tour and a participant bases their decision on that information and suffers a loss financially; a claim can be made and the expenses covered by the professional indemnity insurance.
Liability insurance for professional misconduct will usually relate to claims, defence costs, compensation or any other payments that may be associated with any of the above instances. Since most of the damages may lead to loss of a significant amount of money, this is why it is necessary that you should have good insurance cover that suits the type of services you offer.
4. Equipment Insurance
It is essential that you know that as a walking tour guide you employ several items during the tour to make the participants have the best experience, this includes; Equipment insurance deals with the insurance of the tool that is used in giving out the tours and may include factors such as loss, theft or damage.
While choosing an equipment insurance cover, it is advised to make an assessment of the equipment and how much it would cost to replace. So you should look for accidental damage, loss and theft policy and make sure you read the fine print to see if there are any exceptions or not.
Final Thoughts
It is felt that insurance is important to guard the interests of the walking tour guides in Berlin and their clients should the worse happen. The important types of insurance that should be considered are public liability insurance, personal accident insurance, professional indemnity insurance, and equipment insurance. Below, it is crucial to consider several insurance providers, draw a comparison of policies available in the market and effectively, read the terms of policies and conditions so as to take the right insurance policies.
Thus, when choosing the insurance coverage a walking tour guide needs, they will be shields from any incident that may occur when conducting the tours. Also, insurance is something that makes your profile as a professional stronger and gives more confident in the case of unexpected situations with your participants.
Table of Contents
