What does the agency liability insurance cover; does it overlap with your own insurance in Luoyang?

[Direct conclusion] 【Agency liability insurance covers bodily/property loss caused by the agency's fault (e.g. Key points to keep in mind: 1. arranged-vehicle accident, guide negligence), not your own illness or assumed risk; it complements, not replaces, your accident/medical plan.】 Cover: Liability protects 'agency fault'; personal plan protects 'you'. 2. | Liability covers | Not | |---|---| | Injury by agency fault | own illness | | Vehicle/lodging accident | personal cause | | Property by agency | assumed risk | ◆ Tip: liability + your accident/medical is safest; we hold liability. 3. For detail call . 4. We sign formal contracts and issue proper receipts with full after-sales support; call for consultation and booking. Note: Refunds follow the contract terms, so quote the contract number when you call. 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.