Summary
All Fora advisors are covered by E&O insurance if the claim is brought against Fora in the US
Coverage: $3 million annual limit, $10,000 deductible per incident, underwritten by Berkshire Hathaway
Must maintain clear Fora affiliation in client-facing materials to be eligible
May not be covered if operating under a separate brand or LLC without Fora affiliation
Consider your own policy if: operating under a separate brand, booking $500k+, or handling large non-refundable travel
Claims process: email support@fora.travel within 24 hours of discovering a potential error
What is E&O insurance?
Errors and Omissions (E&O) insurance is professional liability coverage that protects against:
Major errors in providing travel planning services
Negligence or failures that result in client financial loss
Catastrophic travel disruptions
Non-refundable booking errors
This is protection for significant incidents, not routine issues.
Fora's E&O coverage
Coverage details
Aspect | Details |
Deductible | $10,000 per incident |
Annual limit | $3 million (shared across the agency) |
Underwriter | Berkshire Hathaway |
Covered advisors | All Fora advisors meeting eligibility requirements |
Eligibility requirements
Two conditions must both be met:
The claim must be brought against Fora in the United States
You must maintain clear Fora affiliation in client-facing materials
How to maintain affiliation
You can demonstrate Fora affiliation by either:
Using your @fora.travel email address, OR
Clearly showing Fora affiliation in your email signature or materials if operating under a separate brand (e.g., "A Fora Travel Agency" or "Affiliated with Fora Travel")
When you may not be covered
Separate brand without affiliation
You may not be covered if:
You operate under a separate brand or business identity with no clear Fora affiliation
Your marketing does not mention or connect to Fora
Clients would not know you're affiliated with Fora
LLC operation
Scenario | Coverage status |
LLC not used for marketing; clear Fora affiliation maintained | May be covered (case-by-case) |
LLC marketed independently of Fora | Likely NOT covered |
Coverage for LLCs is determined by Fora's insurer on a case-by-case basis and cannot be guaranteed. For guidance on whether to form an LLC, see Should I Form an LLC.
Other situations not covered
Client sues you personally (not Fora), especially outside the US
Claims filed outside the United States
Errors below the $10,000 deductible threshold
What a claim looks like in practice
Scenario | Outcome |
$25,000 booking error | You pay first $10k (deductible); insurance covers $15k |
$50,000 booking error | You pay first $10k; insurance covers $40k |
$5,000 booking error | Below deductible; not covered by insurance |
Claim filed outside the US | Fora's policy does not apply |
Claims process
If you discover a potential error above the deductible
Email support@fora.travel within 24 hours
Include all details and documentation
Fora will evaluate and determine whether to submit to the insurer
Important: Advisors cannot file claims directly. Fora determines whether to submit claims.
Documentation needed
Document | Purpose |
Booking details | What was booked |
Error description | What went wrong |
Financial impact | Amount of loss |
Client communication | Correspondence about the issue |
Supplier communication | Relevant supplier exchanges |
When to get your own policy
Consider personal E&O if:
Situation | Why |
Operating under a separate brand or LLC marketed independently | May not qualify for Fora's coverage |
Booking $500k+ in travel revenue per year | Higher exposure warrants additional protection |
Handling large non-refundable travel (flights, luxury tours) | Significant deposit exposure |
Want a lower deductible | Fora's $10k deductible is high for smaller errors |
Operating internationally with local clients | Claims in your country won't be covered |
Typical personal policy costs
Coverage | Typical cost |
$1 million in coverage | $650–$850/year |
Deductible options | As low as $500 |
Availability | Online or via insurance brokers |
Note: Costs vary. Contact insurance providers for quotes based on your situation.
International advisors
Scenario | Coverage |
You live outside the US; claim is brought against Fora in the US | Covered |
Claim filed in your home country | NOT covered |
Options for international advisors wanting additional protection:
Form a US LLC and purchase US-based E&O coverage
Obtain local professional liability coverage in your jurisdiction
Consult a local legal or tax advisor about tort liability in your country
Common scenarios
If... | Then... |
You use @fora.travel email consistently | You're likely covered under Fora's policy |
You operate under "Smith Travel" with no Fora mention | You may NOT be covered |
You have an LLC for payment but market as a Fora advisor | May be covered (case-by-case) |
You make a $5,000 error | Below deductible; not covered by insurance |
You make a $50,000 error | Report to support@fora.travel within 24 hours |
You live in the UK and a client sues you there | Fora's policy doesn't apply |
FAQs
Am I automatically covered?
Yes, if you meet both eligibility requirements: claim brought against Fora in the US, and clear Fora affiliation maintained in client-facing materials.
What if I use both @fora.travel and a personal brand?
Maintain clear Fora affiliation in your communications to ensure coverage eligibility.
Is the $10,000 deductible per incident or per year?
Per incident.
What if a client threatens to sue?
Document everything and contact support@fora.travel immediately.
Can I get reimbursed for the deductible?
No. The deductible is your responsibility.
What if I operate under a separate brand name?
Add "A Fora Travel Agency" or "Affiliated with Fora" to your client-facing materials. This maintains E&O eligibility and gives clients a credible backing organization.