Travel & Tour
One policy to give peace of mind for tour operators, organisers and agents.
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 Underwriting has been successfully delivering specific Travel Agents Office Combined insurance solutions to our broking partners since the original Package Travel Regulations were introduced in 1992. Now replaced with Package Travel and Linked Travel Arrangements, it brings in many more types of firms into the Directive.
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 XL Catlin Insurance Company UK Limited.
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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” and the “Package Travel and Linked Travel Arrangements Regulations 2018”. Cover includes:-
- Corporate Manslaughter and Corporate Homicide defence costs included
- 24/7 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 FCA have stated exact Professional Indemnity Insurance requirements. The current minimums are €1,300,380 any one claim and €1,924,560 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 (optional)
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 (optional)
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
- Package Travel and Linked Travel Arrangements Regulations 2018
- Tour Operators,
- Travel Agents,
- Travel Destination Companies,
- Sports Companies,
- Event Organisers,
- Social Clubs,
- Charities and
- Anyone who arranges overnight accommodation alongside what they usually do.
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