When you are operating a tour, or shore excursion, you need insurance. Insurance protects you against liability from tourists should they get hurt or damage their property, and protects your business’ vehicular assets such as cars, buses, or watercraft.
Meet Local Requirements First
The first thing to look at is having sufficient insurance to meet legal requirements in your locale. This is the singular most important reason to insure. If you are not operating legally, not only are you rolling the dice with liability issues, but you run the risk of being shut down, and/or other businesses, such as cruise lines, not wanting to work with you.