According to German law, every tour-operator has to be insured against insolvency. According to § 651 k BGB he has to proof, that in case he is unable to pay, the deposits and tour fees paid by participants can be paid back, and that his customers can return home.
All phototours offered by FOTOCAMPUS Claus Brandt are insured against this risk with R+V Versicherung AG. With your booking confirmation you receive an insurance certificate.