Liability on study trips: What do you need to know?

Questioner

Hello, As a study association, we organize a study trip abroad for our members. However, we wonder to what extent the association is liable in case of problems. In principle, we as an association arrange/book everything ourselves. Is it necessary for an association to take out travel/cancellation/liability insurance? Or are the private insurances of the individual members sufficient? In other words; to what extent can the association be held liable? Kind regards,

Lawyer

If you organise outings for your members on more than a non-incidental basis, you are a 'tour operator' within the meaning of the law and are liable for compliance with your obligations under the travel agreement, and for any damage or injury that may occur. You would indeed be wise to take out liability insurance. The private insurance of the participants does cover their damage, but the insurer that pays out the damage can recover the damage from the liable party. A liability insurance that you take out offers cover for this.