When they say that in business you need to spend money to make money, they're not just talking about getting together the capital to get started. In many cases, in order to increase your revenue, you need to make a small investment. For example, as a tour operator, you're going to want to purchase excursion insurance-- that way, you can promote your outfit to cruise lines and resorts and see more profit.
If you're in an area where cruises frequently stop, without excursion insurance, you're likely missing out on a large chunk of your potential market. In order to attract these passengers, you need to meet the cruise lines requirements, a major part of which is assuring the cruise lines that you can protect their guests while they are no longer on the ship.