Waking up in Berlin and wondering if you should become a walking tour guide? Berlin, a city with rich history and many tourists visit them, is a fervent city. When you’re a walking tour guide, you’re able to share your love for the city with visitors, and give them a one of a kind cultural experience. Although insurance is helpful, you need to understand how important a protective measure it can be on your side, your clients’ side and your business side. In this post, we’re going to take a look at the core types of insurance to get as a walking tour guide in Berlin.
1. Public Liability Insurance
When you are thinking of becoming a walking tour guide public liability insurance should be number one on your checklist. This kind of insurance covers you from claims by the members of the public that personal injuries or damages to their person or property may arise from your tours. For instance, if a participant trips while walking on some uneven terrain during one of your tours and injures themselves the public liability insurance could help to pay the financial cost and what legal costs are incurred as a result.
Public liability insurance provides you the peace of mind that your back is covered should the worst happen. It is a good way to prevent you from losing money in financial terms.
2. Equipment Insurance
When you’re a walking tour guide, you have other equipment you may have to rely on to make your tours that much more interesting, like audio equipment, cameras or even historical artifacts. Your tour related equipment is covered by equipment insurance. This kind of insurance is to ensure you can purchase or fix back rapidly any important tool, keeping your business running smoothly.
It goes without saying that you need to calculate the total value of your equipment correctly when opting to insure equipment. Think of what it will cost you to replace your equipment — and in addition how much it might cost you either in rental equipment or for waiting for replacements.
3. Personal Accident Insurance
Although walking tours are generally safe, accidents still do happen. Medical and loss of income are covered if you suffered an injury during the tours by personal accident insurance. You may also be covered for temporary or permanent disability caused by accidents on the job.
Personal accident insurance is not mandatory, but this is a good protection in case of an unexpected event. You will find a policy you can choose that will keep you financially protected in the event of injury.
4. Professional Indemnity Insurance
If you include historical or cultural information within your tours, professional indemnity insurance, also referred to as errors and omissions insurance, is especially important. This form of insurance protects you from claims of negligence, professional misconduct and, inaccuracies. For example, if you supply the client with historical information and they allege that it is incorrect and this harmed them, professional indemnity insurance could pay for legal expenses, but also possible damages in this case.
All walking tour guides who give educational or historical content must have a professional indemnity insurance. It makes sure to protect you in case any claims made regarding the accuracy or quality of the info provided by you.
5. Business Interruption Insurance
Business interruption insurance is meant to guard against the outlay of financial retention during the circumstance of unpleasant business occasions that may be postponing your business briefly. Say that severe weather or a natural disaster forces you to cancel your tours and business interruption insurance can cover the income you lost during that time.
As walking tour guide, this type of insurance is an essential insurance to insure your income when circumstances beyond your control make it impossible to operate your business.
Conclusion
Being a walking tour guide in Berlin, it’s vital that you have the proper insurance in case of anything. The three main types of coverage you should consider are public liability insurance, equipment insurance, personal accident insurance, professional indemnity insurance and business interruption insurance. This means in case of any unforeseen incident, you will be protected financially. Finally, please do not forget to research and compare any other insurance provider and its policy as comparing different insurance providers can help you to get the right insurance in an appropriate budget. Enjoy your time as a walking tour guide to Berlin and freely explore it!
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