This information is provided by NFTGA

If you are not currently covered, it is time to seriously consider participating in NFTGA’s group liability insurance policy. You never know when a member of your tour group might become injured and hold you responsible for the injury and resulting damages. Should an accident occur, you could be sued for negligence. Even though you may not be the cause of someone being injured, you could be included in any subsequent litigation.

The more serious the injury, the more likely you will be involved. If you are sued and you are not properly insured, all of your personal assets would be at risk. Other insurance policies that you might have, such as personal liability, homeowners, and “umbrella” liability, generally do not cover incidents that take place in a work or employment setting. Also, some employer’s insurance might not cover independent contractors.

As a member of NFTGA, liability insurance is available to you at a cost of $86 for January 1 – December 31, 2017  The new or renewing member will be covered as of the confirmed date of their payment to the local association. 

This cost may be deducted from your business income on your tax returns, thereby significantly reducing the out-of-pocket cost of the insurance. 

Coverage:

The coverage limit is $1 million per occurrence, with an aggregate limit for the NFTGA of

$3 million for the insurance year.  Guides who also are functioning as tour operators are not covered by this policy.  Legal defense is included as part of the policy coverage.  This is a group policy issued to the National Federation of Tourist Guide Associations by the Hartford Insurance Group. 

Signup information:

To participate in the insurance program, send your check for $86 for Jan1-Dec 31, 2017 to:

                      Barbara Johnson
                      11630 Settlers Drive
                      Parker, CO 80138

Include your name, address, e-mail address and phone number. Your check for $86 must be made payable to “RMGA” .  IMPORTANT - Please do NOT address to me..

You will be issued a Certificate of Liability Insurance in 2017 to confirm your coverage.

2017 NFTGA TOUR GUIDE LIABILITY INSURANCE