我国旅行社责任保险已形成较为全面的制度体系,但在实践中仍然面临诸多的难题。在旅行社责任险的保险标的问题上,立法存在模棱两可的情况;在司法实践中则表现为司法判决不一,这不利于旅游消费者依法维护合法权益,故应扩大旅责险保险标的范围,纳入违约责任。 China’s travel agency liability insurance has formed a more comprehensive system of systems, but in practice still faces many problems. There are ambiguities in the legislation in the liability insurance coverage of the travel agencies; in the judicial practice, the judicial decisions are not uniform, which is not conducive to the protection of legitimate rights and interests of the traveling consumers in accordance with the law. Therefore, the scope of insurance liability insurance should be expanded to include Liability for breach of contract