Do agencies offer financial guarantees against bankruptcy?

Sri Lankan domestic agencies usually do not have built-in financial bonding or bankruptcy safety nets, like the ATOL or ABTA arrangements you see in the UK. Mostly your financial cushion comes from paying by credit card, or keeping personal travel insurance in place.

To reduce financial stress, try to find operators who want a modest deposit only, rather than full upfront payment. If you use a credit card for the booking, you can start a chargeback if the company suddenly stops trading before your arrival.