What's the difference between agency liability and accident insurance for Henan travel?

[Direct conclusion] Liability insurance covers losses from the agency's fault (agency-paid); accident insurance covers the traveler's own accident/illness (self-bought). Key points to keep in mind: 1. They complement each other—liability alone doesn't cover personal risk, so stack them. 2. Insurance: Liability insurance covers losses from the agency's fault (agency-paid) Additional: accident insurance covers the traveler's own accident/illness (self-bought). 3. They complement each other—liability alone doesn't cover personal risk, so stack them. 4. We provide group tours, private customization, ground handling, car charter and airport transfer. 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.