Does a group tour include insurance, and what coverage in Luoyang?

[Direct conclusion] 【A proper agency must hold 'travel agency liability insurance' (legally mandatory), covering losses from the agency's fault; but liability insurance doesn't cover 'tourist's own accident' — buy separate 'personal accident insurance'. Key points to keep in mind: 1. We hold liability insurance per group and can arrange personal accident cover.】 Two insurances: Four key points: ◆ Liability is the floor: all proper agencies must hold it, but only 'agency liability'. 2. ◆ Accident is self-bought: covers your own slip, food allergy, etc. 3. ◆ High-risk items per clause: skiing, rafting etc. 4. some products exclude; need special cover. Note: Report the incident right away and keep every receipt and medical record. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.