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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 an exclusive fully delegated underwriting authorities from Catlin Insurance Company (UK) Ltd. to our unique and exclusive wordings.
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:-
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 FCA 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.
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:-
For full information see our summary of cover or policy wording please go to our Download page.
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
Companies that can demonstrate good risk management and not involved specifically in arranging tours including hazardous activities.