The Travel Office Combined policy is designed to protect the tangible assets of your client’s business and their potential Liability exposures. The policy provides a range of standard covers and a selection of optional covers so that the cover can be tailored to your clients needs 

The standard policy includes the following sections: 

•      Property Damage
•      Business Interruption
•      Outstanding Debit Balances
•      Loss of money
•      Personal Injury (Robbery)
•      Theft by Employee Insurance
•      Employers' Liability
•      Public Liability
•      Products Liability
•      Professional Indemnity
•      Business Travel for Directors or Partners of ABTA members

Optional Covers available:

•      Computer Breakdown
•      All Risks for items away from the premises
•      Sale of Travel Insurance (PI extension)
•      Crisis Plus (PR consultancy fees)
•      Directors and Officers Liability
•      Legal Expenses
•      Group Personal Accident for Travel staff
•      Business Travel Insurance for all staff

Key Features -

• Property Damage up to £5m any one location including AD & Subsidence
• Full theft
• B I £500k as standard on non-average basis (higher limits available)
• Money limit of £4000 in transit or in premises during working hours.  Includes tickets (up to £5000).
• Employers' Liability Limit of Indemnity £10,000,000 
• Public Liability Limit of Indemnity £2,000,000 & Professional Indemnity Limit of Indemnity £1,000,000 both on an any one loss basis incl. whilst acting as organiser (subject to limits of up to 10% or 25% of turnover)
• Crisis Management – costs involved in dealing with a crisis included as standard within PL/Products cover
• Theft by Employee cover provided as standard up to £10,000

For full information see our summary of cover or policy wording.

• Travel Agents with less than 25% of turnover as tour organising.
• Up to £5m per location for Material Damage
• Clients with turnover up to £50m

Claims free risks with good risk management features