Travel Retailer Training Manual

To ease a complicated licensing process and allow for a compliant solution for Travel agents and tour operators (Travel Retailers) to offer Travel insurance and related products, the NAIC enacted a Travel Insurance licensing Act in cooperation with the United States Travel Insurance Association. Since its introduction in 2010, 48 states and the District of Columbia have adopted the model law allowing travel retailers to offer travel insurance and receive commission under a supervising entities licenses. There are requirements for operating under this method which we will cover here.

Let’s get started.

What is a Travel Retailer?

A Travel Retailer (Retailer) is a business entity that makes, arranges, or offers travel or related services and may offer and disseminate travel insurance as a service to its customers on behalf of and under the direction of a Limited Lines Travel Insurance Producer.

What is a Limited Lines Travel Insurance Producer?

A Limited Lines Travel Insurance Producer (LLTIA) is a licensed managing general agent or third party administer or a licensed producer designated by an insurance company as a travel insurance supervising entity. Under the Travel Retail licensing program, the LLTIA provides a oversite and authority to the Retailer to sell travel under their licensure and ensure that sales are in accordance with all laws and regulations. battleface Insurance Services LLC. (battleface) is a licensed LLTIA.

Why is this training important?

To provide you and/or your company, the Travel Retailer (“Retailer”), with the requirements of (California) travel insurance agent licensing law, which allows you or your company to transact Travel Insurance under battleface Insurance Services, Inc. (battleface) Limited Lines Travel Insurance Agent (“LLTIA”) license.
To explain the definitions, rules, and our policies regarding this law.
To advise you on ethical obligations with respect to transacting insurance on our behalf.

What is Travel Insurance?

“Travel Insurance” is defined as coverage for personal risks incidental to planned travel, including one or more of the following:

Cancellation or interruption of a trip or event;
Loss of baggage or personal effects;
Damage to accommodations or rental vehicles; or
Sickness, accident, disability, or death occurring during travel

Travel insurance does not include major medical plans, which provide comprehensive medical protection for travelers with trips lasting six (6) months or longer, including, for example, those working overseas as an ex-patriot or military personnel being deployed.

What are your options for selling travel insurance?

Travel Retailers have two options for transacting travel insurance with residents of each state:

The Travel Retailer may obtain a limited lines travel insurance license or travel line of authority in each state. Or,
The Travel Retailer may be registered to operate under battleface’s business Entity Producer License as long as prescribed consumer protections are met.

Rules: What you MAY do

As an employee/contractor of a Retailer registered under battleface’s Limited Lines Travel Insurance license, you MAY transact Travel Insurance on our behalf and under our direction, including:

Offer/disseminate information for authorized programs, including brochures, buyer guides, descriptions of coverage, and prices approved by battleface;
Refer questions, not addressed on marketing material, for specific coverage/feature/benefit to battleface, Retailers may not interpret policy language;
Disseminate/process applications for coverage, coverage selection forms, or other similar forms;
Collect premiums on our behalf; and
Collect and report policyholder information required by battleface.

Rules: What you MAY NOT do

As an employee/contractor of a Retailer registered under battleface’s LLTIA license, you MAY NOT:

Represent yourself as a licensed insurance agent;
Answer technical questions about the benefits, exclusions, and conditions of the offered insurance; nor
Evaluate the adequacy of a customer’s existing coverage.

Rules: What you MUST do:

As an employee/contractor of a Retailer registered under battleface’s LLTIA license, you MUST:

Only offer the Travel Insurance products that battleface, as the LLTIA, has authorized you to offer. Insurance offered from any other providers will not be authorized under battleface registration;
Successfully complete this training and background attestation.
Ensure you and/or your company is listed on battleface’s LLTIA registration list;
Confirm that required disclosures are made to your prospective purchasers. battleface will supply approved disclosures and instructions for distributing them;
Comply with U.S.C. 18 §1033 (Crimes by or affecting persons engaged in the business of insurance whose activities affect interstate commerce.

What you MUST disclose:

Marketing or fulfillment materials, must include disclosure similar to the following:
This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker.
A prospective customer must be notified of the following:
- Purchase of travel insurance is optional and not required in order to purchase any other producer or services offered by the travel retailer;
- If not individually licensed, a Retailer’s employee is not qualified or authorized to:
  Answer technical questions about the benefits, exclusions or conditions of the battleface insurance program offered by the travel Retailer.
  Evaluate the adequacy of the prospective insured’s existing insurance coverage
Approved disclosures provided by battleface may be presented by the Retailer in one of three methods:
- Provided in writing to the purchaser; or
- Displayed by clear and conspicuous signs that are posted at every location where contracts are executed, included but limited to the counter where the purchaser signs the agreement; or
- Acknowledged in writing by the purchaser

Professional Ethics:

As a travel Retailer transacting Travel Insurance on behalf of battleface, you must be honest, trustworthy, respectful of others and their property, and compliant with the law. This includes:

Working within the Terms of Law and Regulations, as well as the responsibilities granted under battleface’s license and the agency agreement.
Conduct yourself in a professional business behavior
Disclose known information related to the insurance transaction
Understand what you can do, cannot do, and must do when transacting Travel insurance as a registered Retailer.
Report any suspicious or fraudulent activity to battleface.
Never engage in deceptive practices and misrepresentation
Be fair to all parties involved in the insurance transaction
Avoid conflicts of interest
Understand fiduciary obligation to battleface while acting under our license.

Training Completion Certificate

18 U.S.C. § 1033 CERTIFICATION AND ATTESTATION

In order to be an employee of a registered Travel Retailer permitted to offer and disseminate travel insurance products, you must be in compliance with 18 U.S.C. § 1033.
Under Section 1033 of Title 18 of the United States Code, it is a criminal offense for an individual who has been convicted of a felony involving dishonesty or breach of trust or any violation of 18 U.S.C. § 1033 to willfully engage or participate in the business of insurance unless that person has first obtained the written consent of the appropriate regulatory official. Further, it is a criminal offense for any person to willfully employ, or willfully permit, such “prohibited persons” to participate in the business of insurance without the required written consent. A “Prohibited Person” may be an officer, director or employee of an insurance agency or an insurance company, an agent, solicitor, broker, consultant, third party administrator, managing general agent, or subcontractor representing an insurance agency or insurance company who engages in or transacts the business of insurance.

Company name(Required)

Employee name(Required)

Title(Required)

Address(Required)

Street Address City State ZIP Code

Date(Required)

Signature(Required)

Important Note: battleface Travel Insurance plans are underwritten by Spinnaker Insurance Company (an IL Corporation, NAIC# 24376), with administrative office at One Pluckemin Way, Suite 102, Bedminster, NJ 07921. Plans are offered and administered by battleface Insurance Services LLC, 800 N. High Street, Columbus, OH 43215, National Producer Number 18731960 (FL License number L107363/CA License number 0M75381). Travel Retailers offering this plan may not be licensed insurance producers and cannot answer technical questions about the terms, benefits, exclusions, and conditions of this insurance or evaluate the adequacy of your existing insurance. Your Travel Retailer may be compensated for the purchase of a Plan and may provide general information about the Plans offered, including a description of the coverage and price. The purchase of this Plan is not required in order to purchase other travel products or services offered by your Travel Retailer. This is a brief description of the coverage provided under policy series RIG-1000. The Policy will contain reductions, limitations, exclusions, and termination provisions. Please refer to the Policy for complete details. If there are conflicts between the information on this site and the Policy, the Policy will govern in all cases. Not all products or coverages may be available in all jurisdictions.

Non-insurance assistance services are provided by Robin Assist.

Benefits	Sum Insured	Excess
Cancellation and Curtailment	€5,000
Medical and Emergency Expenses	€10,000,000	€250
Hospital Benefit	€25 per day Maximum €100
Personal Accident	€50,000
Baggage	€2,000	€250
Personal Money and Passport	€500	€250
Personal Liability	€500,000
Travel Delay	€50 per 12 hr period Maximum €500
Optional Upgrades	Sum Insured	Excess
Business Cover	€1,000	€100
Winter Cover	€750	€50 per person (€100 per family)
* Plans not available for residents of France, Spain, Portugal, Italy, Croatia, Hungary and Poland. * These are only brief description(s) of the coverage(s). The policy will contain reductions, limitations, exclusion, and termination provisions. Full details of each coverage are contained in the policy document. Please read the policy carefully to fully understand the coverages, terms conditions, limits, and exclusions. If there are any conflicts or discrepancies between the descriptions above and the policy or any point is not covered above, the terms and conditions of the policy shall govern. Please contact battleface for more information.

Benefit	Limit	Deductible
Trip Cancellation Package (Required for VA and WA residents)
Trip Cancellation	100% of trip cost (up to a maximum of $20,000 per order)
Single Occupancy	Up to trip cost
Cancel for Any Reason (Not available to NY residents)	Up to 75% of trip cost Up to 50% of trip costs in FL (Available for trip cost up to $10,000 per traveling party.)
Trip Interruption	Up 150% of trip cost
Delay Package
Trip Delay Package	Up to $200 per day and $2,500 per trip
Missed Connection	Up to $1,000 per covered trip
Baggage Package – Excess
Baggage and Personal Effects	Up to $2,500	$100 deductible applies
Baggage Delay	Up to $100 per day and $500 per trip
Travel Medical Package – Excess (Required for IN residents) AK, CO, ID, ND, NH – Primary
Travel Medical Expense – Adventure sports included	Up to $100,000 ($50,000 for NH residents)	$50 deductible applies
Emergency Dental	Up to $750
Emergency Evacuation and Repatriation of Remains	Up to $500,000 ($1,000,000 for NH residents)
Accidental Death & Dismemberment	Select $100,000, $250,000, or $500,000 ($50,000 maximum for NH residents)
Pet Medical Package (Not availble for FL residents)
Pet Medical Expense	Up to $2,000	$100 deductible applies
Pet Return	Up to $500
Rental Vehicle Damage – Primary (Not available to FL residents)	Up to $35,000 per rented vehicle	Primary $250 deductible for loss greater than $2,000
Vacation Rental Damage	Select $1,500, $3,000 or $5,000 per vacation rental reservation
These are only brief description(s) of the coverage(s). The policy will contain reductions, limitations, exclusion, and termination provisions. Full details of each coverage are contained in the policy document. Please read the policy carefully to fully understand the coverages, terms conditions, limits, and exclusions. If there are any conflicts or discrepancies between the descriptions above and the policy or any point is not covered above, the terms and conditions of the policy shall govern. Not all plans or coverages are available in every state. Please contact battleface for more information.

Benefit	Limit	Deductible
Trip Cancellation	Up to $30,000
Trip Interruption	Up to 150% of trip cost, to a maximum of $30,000
Single Occupancy	Up to trip cancellation maximum
Trip Delay	$250 per day to a maximum of $2,500
Missed Connection	$750
Security Evacuation	$50,000
Baggage and Personal Effects	$1,500 per-item restrictions apply Sporting Equipment Coverage Included	$0 Deductible
Baggage Delay	$250 Sporting Equipment Delay Included
Travel Medical Expense	$50,000	$0 Deductible
Hospital Room and Board	$200 per day
Emergency Dental	$750	$0 Deductible
Emergency Evacuation and Repatriation of Remains	$500,000
Optional Coverage: The following will be included if elected and appropriate costs have been paid. Cancel For Any Reason, reimburses up to 75% of trip cost (50% within the state of FL). Not available to NY residents. You must purchase prior to final trip payment, insure your full trip cost, and cancel before 48 hours of scheduled departure. Other benefits include: · Available coverage for Pre-Existing Medical Conditions. The Pre-Existing Medical Condition exclusion is waived if the full cost of all nonrefundable payments are insured and the plan is purchased prior to final trip payment. · No exclusion for mental, nervous or psychological disorders.

Standard Benefits	Limit	Excess
Trip Interruption	US $2,000
Emergency Medical Expenses and Repatriation	US $10,000,000	US $250
Hospital Benefit	US $25 per day Maximum US $100
Personal Accident	Up to US $50,000
Baggage Loss or Delay	Up to US $2,000	US $250 or US $50
Personal Money and Passport	US $500 Limited to US $250 in respect of cash	US $250
Personal Liability	UUS $500,000

Optional Benefits	Limit	Excess
Business Extension	Up to US $1,000	US $100
Winter Sports (Ski Equipment)	Up to US $750	US $50 or US $100
Increased Personal Accident	Up to US $250,000
Increased Baggage	Up to US $10,000	US $50
Please see the full underwriting disclosures here. *These are only brief description(s) of the coverage(s). The policy will contain reductions, limitations, exclusion, and termination provisions. Full details of each coverage are contained in the policy document. Please read the policy carefully to fully understand the coverages, terms conditions, limits, and exclusions. If there are any conflicts or discrepancies between the descriptions above and the policy or any point is not covered above, the terms and conditions of the policy shall govern. Please contact battleface for more information.

Benefits	Sum Insured	Excess
Cancellation and Curtailment	£5,000
Medical and Emergency Expenses	£10,000,000	£250
Hospital Benefit	£25 per day Maximum £100
Personal Accident	£50,000
Baggage	£2,000	£250
Personal Money and Passport	£500	£250
Personal Liability	£500,000
Travel Delay	£50 per 12 hr period Maximum £500
Optional Upgrades	Sum Insured	Excess
Business Cover	£1,000	£100
Winter Cover	£750	£50 per person (£100 per family)
*These are only brief description(s) of the coverage(s). The policy will contain reductions, limitations, exclusion, and termination provisions. Full details of each coverage are contained in the policy document. Please read the policy carefully to fully understand the coverages, terms conditions, limits, and exclusions. If there are any conflicts or discrepancies between the descriptions above and the policy or any point is not covered above, the terms and conditions of the policy shall govern. Please contact battleface for more information.

Standard Benefits	Sum Insured	Excess
Emergency Medical	Unlimited	Yes
Funeral Expense Abroad	AUD 20,000	No
Hospital Benefit and Confinement	AUD 50 per day Up to AUD 1,000	No
Airfare Reimbursement	Up to AUD 2,500	Yes

Optional Benefits	Sum Insured	Excess
Trip Cancellation	Up to AUD 40,000	Yes
Trip Interruption	Up to AUD 40,000	Yes
Travel Delay	AUD 50 per 6 hours Up to AUD 2,000	No
Personal Accident	AUD 25,000	No
Personal Liability	Up to AUD 2,500,000	No

Luggage and personal effects	Up to AUD 10,000	Yes
*Note that not all benefits apply and will depend on whether you have selected them (and are reflected on your Certificate of Insurance). Terms, conditions, exclusions, limits and sub-limits apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for further details.