The Analysis Of Travel Agency Liability Risk And Insurance Study

With the rapid development of China’s tourism industry, the effect of travel agencyliability insurance is increasingly prominent in the compensation mechanism,but there arestill some practical problems, such as the risk analysis before underwriting is lacking and therates are not scientific. In this paper, the travel agency liability risk was studied in order toimprove risk management and facilitate the promotion of travel agency liability insurance.This paper, in the perspective of the travel agency liability, firstly analyzed the civilliability travel agency take for tourists, and specified risk factors causing the liability.Secondly, establish risk evaluation indexes, AHP and gray relational analysis method are usedto quantify risk. The quantitative results will be applied to float liability limit and rates, anduse interpolation method to calculate the liability limit and rate more precisely, in this way toget a balance between risk, limit and price. Finally, the analysis methods are applied inpractice and satisfactory results are achieved.