Tour Operator Liability Insurance in Iran
For travel agencies licensed by the Ministry of Cultural Heritage and Tourism and operators of leisure and pilgrimage tours.
Persian twin page (authoritative): /liability/public/travel-tours
Short answer
Tour operator liability insurance in Iran compensates travelers for bodily injury and property damage caused by the operator's shortcoming in delivering tour services, including the acts of drivers, guides and subcontractors, and funds the legal defense of the agency, up to the policy limit, from the journey's start until the travelers return.
The final premium is issued upon official quotation — no premium figures are published on this site.
Who needs this policy?
- Travel agencies licensed by the Ministry of Cultural Heritage, Tourism and Handicrafts
- Operators of domestic and foreign pilgrimage tours
- Organizers of school trips and official staff journeys
- Transport and accommodation contractors, where expressly scheduled
- Tour guides within the activity recorded in the policy
What is covered?
| Coverage | Description |
|---|---|
| Travelers' diyeh and bodily injury | Compensation of diyeh and medical costs of travelers injured during tour services, where the operator's responsibility is established, on the diyeh schedule of the incident year. |
| Travelers' financial loss and property | Compensation of damage to travelers' property caused by shortcoming in keeping entrusted belongings and in the contracted tour services. |
| Legal defense costs | Attorney fees and court costs in lawsuits by travelers against the tour operator, even in dismissed claims. |
| Contractors' and staff's acts | The operator's liability for the acts of drivers, guides and tour staff within the contracted services. |
| Tour validity period | Cover from the start of the journey until the travelers' return, on the schedule recorded in the policy. |
What is not covered? (Exclusions)
- Accidents outside the tour's validity period or outside the declared program
- Damage from traveling in an unauthorized vehicle or with an unqualified driver
- Damage to the agency's own staff and contractors
- Deliberate acts of the traveler or knowing breach of the tour guide's instructions
- Accidents from the traveler's pre-existing illnesses not declared at registration
- Intentional crimes and knowing breach of tourism regulations
Issuance conditions
- A valid agency license from the Ministry of Cultural Heritage, Tourism and Handicrafts
- Declaration of the number of travelers, the route and the tour duration at issuance
- Use of transport and accommodation contractors holding valid permits
Required documents
- Agency license from the Ministry of Cultural Heritage, Tourism and Handicrafts
- National ID and registration documents of the agency
- Tour program, route and list of contractors
- Latest liability policy, for claims history
- Transport and accommodation contracts, where the adjuster requires them
How to buy — step by step
Quotation and program review
Submit the quote request; the route, number of travelers and duration are declared, and a limit is proposed.
Documents and official proforma
After the agency license and program documents are received, an official proforma invoice is issued on the approved Bimeh Iran rates.
Premium payment
Pay through the banking gateway or a bank receipt; cover starts the moment issuance is confirmed, before departure.
Policy delivery
The printed and electronic policy with its general conditions is delivered within one working day.
How to claim — step by step
Immediate notification
Report the event to the agency as soon as you become aware of it, within the notification deadline set by the policy.
Claim form
Complete and sign the claim form describing the accident, the travelers involved and the service stage.
Case documents
Submit the travel program, the traveler list, the contractor contracts and the medical or damage documents.
Adjuster assessment
The adjuster examines the operator's shortcoming in service delivery and the role of contractors and travelers.
Agreement and payment
Once liability and the amount are established, compensation is paid subject to the policy deductible.
Claim notification deadlines and assessment details follow the policy general conditions and the Iranian Insurance Act (Article 30 practice: notification within five working days).
FAQs — Tour Operator Liability Insurance
Legal sources
Civil Liability Act of Iran (1960) — Articles 1 to 11 — fault-based civil liability
Civil Code of Iran — Articles 328 to 335 — guaranty and fault-based liability
Islamic Penal Code — Diyat chapter — Book Five, Articles 449 onwards
Iranian statutes are authoritative in Persian; English titles above are orientation references.
Reviewed by the Iran Liability Insurance content team
Reviewed by the licensed team of Agency No. 20616 of Bimeh Iran, specialized exclusively in liability insurance.
Legal review: licensed team of Agency No. 20616, Bimeh Iran — Last reviewed: 24 October 2026
Get Tour Operator Liability Insurance through the official Bimeh Iran agency
The online quote form is in Persian. English-speaking visitors may submit inquiries by email in English, and a consultant will respond in English. The quotation is issued on current Bimeh Iran tariffs after the limit of liability is agreed.