Insurance in Tourism Industry

The issue of cost and availability of insurance, particularly for tourism operators, has become a common issue for the tourism industry across European Union. It has been particularly problematic in those jurisdictions that have a high number of adventure and eco-tourism operators. The main challenge appears to be in relation to securing commercial general liability coverage and/or obtaining such coverage on a cost effective basis. One of the problems is that the tourism industry does not understand the insurance industry, and vice versa. In response to this situation, the EU institutions had created a series of publications dealing with risk management and insurance. Another important thing is how to make comparative analysis of threats in tourism and the adaptation of tourist products in tourism (accidents, treatment and medical transport costs, compensation duties with regard to the civil liability). Many insurance companies created general conditions of this kind of insurance. There are different types of the insurance in tourism, voluntary and compulsory insurance, individual or group insurance contract. The terms and conditions of this type of insurance are defined in the insurance contract. Also the entities and the insurance event are specified in the contract. In that document, we can also find the duties of the insurer and the insurance company. Most insurance companies in EU have similar treatment of the costs abroad, also the transport to the native country, the stay of the closest person, rescue and search operation costs in the European Union and non- European countries. The question is how the assistance insurance in travel functions practically. Also the question is of the exclusion of insurance protection and the insurance of civil liability. Another important thing is the practice of the insurance of the property, transport insurance in travel, insurance of the organizer and a tourist middleman and costs of resigning from the participation in the trip and an earlier return and the