Shore Excursion Insurance

Tour and Excursion Operators Legal Liability, also known as ‘Shore Excursion Insurance’ or ‘Shore-Ex’ , is a package contingent liability policy that is designed specifically to satisfy the strict insurance requirements of the cruise lines. It is a "contingent program" in that the coverage is excess to any underlying local insurance policies. Jurisdiction is worldwide allowing suits to be brought into any court in the world, a critical feature due to the global nature of the cruise line industry.

Depending on the nature of the tour itself, Shore Excursion Insurance offers three principal types of coverage that address the exposures of your business.

  • Commercial General Liability

    Responds to suits brought against you by third parties on the grounds of bodily injury and/or material damage caused by your negligence.

  • Contingent Watercraft Liability

    Provides excess insurance coverage that sits on top of an underlying Protection & Indemnity (P&I) policy thereby increasing your overall limit of insurance.

  • Contingent Auto Liability

    Provides coverage over and above any locally placed Commercial Auto policies for liability arising from the operation of your motor vehicles.


  • Meets Cruise Line Requirements
  • world2_512x512 Worldwide Jurisdiction
  • A_RatedCarrier‘A’ Rated Insurance Carrier

Unrivaled expertise, flexible solutions, and personal service

No matter the situation, MHG can find the right Shore Excursion insurance solution for you.


About MHG

MHG Insurance has been a trusted partner of the cruise line industry for over 25 years. Our dedicated team of Insurance Specialists will help you identify the right Shore Excursion Insurance solution for your operation. Let us focus on your insurance so you can get back to running your business.

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Questions or Concerns?
Our Insurance Specialists are just a phone call away!

If you have questions or need help finding the right Shore Excursion Insurance policy for your business, our Insurance Specialists are available at any time.