A  an FCCA member you are able to access this insurance program designed and developed to provide true one-stop-shopping for the insurance coverage’s necessary to meet the requirements for Tour Operators and Tour Sites doing business with the Cruise Lines. While designed at the request of the cruise lines this policy covers all tours all the time not just those from the cruise lines. If you are not a current member you may contact Victoria Lalta, FCCA Membership Director at 954-441-8881 or simply go to www.f-cca.com and complete everything on-line. 

There are three separate and distinct coverage’s offered each with the standard limit required by the FCCA Cruise Lines.

General Liability: $2,000,000 limit also called Third Party or Public Liability, this covers bodily injury and property damage to tourists while in your care, custody and control while enjoying your various tours or sites. This coverage excludes auto, aircraft and motorized watercraft. Non-motorized watercraft such as kayaks, canoes, sunfish, etc. are included. There is no deductible for bodily injury so you are covered from first dollar! This does not replace any business property or liability placed locally.

Contingent Auto Liability: $5,000,000 limit, for vehicles with a capacity of 40 or more passengers and $2,000,000 for those vehicles with a capacity of less than 40 passengers. This coverage sits over whatever is the local legal limit and can be utilized for owned, hired and non-owned vehicles. For example, if your local limit is $100,000 this would provide the contingent liability to the full limit required. This coverage applies to you tour participants while in transit picking up that coverage excluded in the general liability.

Primary and/or Contingent Watercraft Liability (Motorized): $2,000,000 limit, this can provide primary hull and liability coverage for owned watercraft having a motor that carries passengers for hire. The liability can cover the vessel, crew and passengers to any of the three limits available.  While scuba diving, parasailing and jet skis are excluded but swimming and snorkeling are included.  For non-owned watercraft there is Contingent Watercraft available and is similar to the contingent auto as it picks up that coverage over the local legal limit excluded in the general liability.

Aircraft: as with the watercraft both hull and liability coverage is available for those tours involving either owned fixed wing or rotor. Again, filling in that gap in the general liability.

Primary H&M and P&I for watercraft and aircraft require separate application forms that are available on request.  The attached Tour Operators Application is used for the general liability, contingent auto and contingent watercraft.  Please include a written description of the various tours you offer, a brochure or website is fine. Please visit our web site www.rmig.us for additional information on the many insurance coverage’s available through the Royal Marine Insurance Group.   

W.P. (Bill) Roversi
Email: bill@rmig.us