Tour Operators

Tour Operators

What is it?

Combined Liability & Professional Indemnity for companies involved in Tour Operating or Travel Agency including exposure to the Package Travel Regulations. 

The Travel Team within Touchstone has been successfully delivering specific Travel Agents Office Combined insurance solutions to our broking partners since the Package Travel Regulations were introduced in 1992.

Our team are recognised experts in this highly specialist field. They are happy to help you through the complexities of insuring a travel firm, and help you to protect your clients against the inherent and unique risks which they face. 

Policies are written under long standing exclusive fully delegated underwriting authorities from RSA and Zurich Insurance to our unique and exclusive wordings.

Coverage Limits:

One policy – to give peace of mind for tour operators, including:-

Public Liability – limits of indemnity from £2m to £25m

To protect the insured against damages being sought for death or injury or damage to property against tour operators or travel agents. We include liability that attaches to the operator for all component parts of a Package as defined under “Package Travel, Package Holidays and Package Tour Regulations 1992”. Cover includes:-

  • Corporate Manslaughter and Corporate Homicide defence costs included
  • Crisis costs and expenses included
  • Code Civile extension – to comply with French law
  • Liability arising out of the use of all vehicles, vessels or aircraft outside of the policyholders control.
  • Worldwide Jurisdiction (USA/Canada costs inclusive)
  • No injury excess

Professional Indemnity £1,000,000 Indemnity limit is any one loss

To provide protection to the insured for any claims for compensation by dissatisfied customers where injury or property damage is not involved and there are allegations of an error or omission on the part of the operator or their agents.

Cover can extend to include Sale of Insurance Extension if required. The FSA have stated exact Professional Indemnity Insurance requirements? the current minimums are €1,120,200 any one claim and €1,680,300 in the aggregate, we endorse the policy to £1,750,000 any one claim and provide one inclusive indemnity buy-back to ensure full cover at all times.

Employers' Liability

To provide indemnity for any claims arising out of injury to employees in the course of their employment within the UK and also whilst working temporarily abroad. This insurance is compulsory for any UK Employer under the terms of the Employers' Liability (Compulsory Insurance) Act 1969.

Emergency Assistance £5,000

The Package Travel Regulations and the ABTA Code of Conduct require tour operators to provide 'general assistance' including initial legal costs to any client who suffers a mishap arising from any activity outside of what was included within the packaged holiday.

Public Relations and Media expenses £25,000

Fees and expenses to employ specialist PR / Media consultant to proactively manage any event involving death or emergency hospitalisation or kidnap or hijack under any section of the policy including PL, Pii, EL and D&O.

Legal Defence Costs £100,000

Legal costs incurred to defend the insured against criminal proceedings brought against the insured in respect of any actual or alleged breach of:-

The Health and Safety At Work Act 1974

Part II of the Consumer Protection Act 1987

The Trade Descriptions Act 1968

The Package Travel Regulations 1992

For full information see our summary of cover or policy wording please go to our Download page.

Customer Profile:

Tour Operators, Travel Agents, Travel Destination Companies.

We can also provide cover for other professions who are just seeking a policy to cover their exposure to the Package Travel Regulations which would otherwise be excluded from their general liability policy

Target Business

Companies that can demonstrate good risk management and not involved specifically in arranging tours including hazardous activities.

For further information please contact:

Richard Foster - richard.foster@t-u-l.co.uk - 01923 298 429

Laura Collett - laura.collett@t-u-l.co.uk - 01923 298 427

Stuart Burt - stuart.burt@t-u-l.co.uk - 01923 298 428

Clive Sawyer - clive.sawyer@t-u-l.co.uk - 01923 298 436