Tour Operator Liability Insurance

Also known as a combined liability policy, a tour operator liability policy is integral in protecting your business and is usually a requirement for obtaining a travel bond or joining an association such as ABTA or ABTOT.

The policy provides three important section of cover:

Public and Products Liability (also known as third party liability)

Provides cover for claims made against a travel company in respect of death or injury/illness sustained by a customer during their holiday. It also covers claims for damage to their personal property.

Professional Indemnity

Provides cover for claims made against a travel company in respect of financial losses caused by negligence or breach of contract by the travel company.

Employers’ Liability

This is compulsory cover for all UK employers under the terms of the Employer’s Liability Act 1969. This is an optional section as a travel company may already have the appropriate cover under an office policy.

Cover can also be added for Crisis Management or Directors & Officers.

You may also want to consider a travel disruption policy in order to protect your company from costs arising