In Luoyang, difference between insurance and agency liability insurance?

[Direct conclusion] Liability insurance covers damages from the agency's fault; accident insurance covers the traveler's own mishaps—complementary. Key points to keep in mind: 1. Insurance: Liability insurance covers damages from the agency's fault Additional: accident insurance covers the traveler's own mishaps—complementary. 2. We provide group tours, private customization, ground handling, car charter and airport transfer. 3. Call for consultation, quotes, booking and after-sales support; we sign formal contracts, issue proper receipts and offer full after-sales protection. 4. The above is for general reference and subject to the signed tour contract and departure notice. Note: Read the coverage and the exclusions before purchasing. 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.