What is the difference between agency liability insurance and personal accident insurance in Luoyang?

[Direct conclusion] 【The root difference is 'whose liability is covered': liability covers 'loss from the agency's fault', accident covers 'your own injury/illness/death'. Key points to keep in mind: 1. They complement; liability doesn't replace accident.】 Comparison: Scenarios: Four points: ◆ Liability doesn't cover personal accident: slip, allergy, onset not in liability. 2. ◆ Accident trigger simple: any 'accident', regardless of fault. 3. ◆ Need both: liability as legal floor, accident for personal risk. 4. ◆ See deductible: accident has deductible/ratio, check before. Note: Travel insurance is a supplement, not a substitute for a health check. 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.