Tourism Insurance in Ontario

Your business. Their adventure. Our protection.

Western Financial Group is an award-winning brokerage. We work with Canada’s leading insurance partners to get you the right coverage and value. We know how important it is to protect what you’re building.

What is Tourism Insurance?

Tourism insurance for businesses in Ontario provides protection for operators offering travel, hospitality, and adventure services.

This type of insurance typically includes general liability coverage to protect against claims of injury or property damage, commercial property insurance for physical assets, and specialized coverage for high-risk activities common in Ontario's tourism sector, such as boat tours, hiking, or water sports.

With the province's diverse and active tourism industry, having comprehensive insurance helps businesses manage risk, meet regulatory or licensing requirements, and ensure the safety and confidence of both staff and guests.

Our insurance expertise will benefit your Tourism business

We make the process easy by getting insurance quotes for you and giving you policy coverage options that you can choose for your Tourism business's specific needs.

You can get protection against the many risks involved in travel and hospitality. Whether it’s covering liability for guest injuries, safeguarding property and equipment, or managing disruptions caused by cancellations or natural events, Tourism insurance helps ensure financial stability and business continuity.

With insurance backing you up, you can focus on creating great travel experiences without worrying about what might go wrong.

Who needs Tourism insurance in Ontario?

Tour operators and travel agencies
Outdoor and eco-tourism operators
Charter buses, shuttle services, guided vehicle tours
Campgrounds

Recreational adventures: ziplining, kayaking, hiking, skiing
Boat rides or cruises
Wine Tours
Helicopter Tours

Why is liability insurance important for Tourism in Ontario?

Liability insurance is an essential part of your Ontario Tourism insurance package. Here are the liability coverages that you need to help protect your Tourism operations from lawsuits.

Commercial general liability insurance is essential for your ON business. If you were sued, commercial general liability insurance would cover the legal costs to defend the claim against your business in court, as well as costs to cover damages to compensate third parties.

What other insurance coverages can I get for my Tourism business in ON?

Why do tourism businesses need insurance?

Tourism businesses need insurance to protect against financial risks from accidents, natural disasters, property damage, or lawsuits. It also helps ensure business continuity, builds customer trust, and meets regulatory or licensing requirements.

How much does tourism insurance cost for businesses in ON?

The following factors are usually considered when determining the cost of your business insurance:

Location(s)
Type of Tourism Services
Number of employees
Years of experience
Any past claims

Does Tourism Insurance cover accidents during high-risk activities?

Yes, adventure tourism insurance covers accidents that occur during high-risk activities like skiing, ziplining, or white-water rafting. This includes liability for injuries and property damage that occur during these activities, protecting both the business and its clients.

Does my general business insurance cover tourism-related risks?

Not necessarily. Standard business policies may not cover:

Guest injuries during high-risk activities (e.g., rafting, ATV tours)
Trip cancellations or liability during tours
International client claims
Equipment used off-site (e.g., boats or mobile kiosks)

It’s important to customize your policy based on your specific tourism offerings

Do I need special coverage for outdoor or adventure tourism in ON?

Yes. Activities like kayaking, ziplining, rock climbing, or wildlife tours carry higher risk. You’ll likely need specialized liability insurance that covers injury, equipment, waivers, and environmental exposure.

Why choose Western?

When you get your insurance coverage through us, we will send you the certificate of insurance right away, so you can focus on what you do best. It’s easy, fast, and customized. Get an online quote, text, email, or phone call. Choose what works for you.

Get a Quote TODAY!