Tour Operators Insurance

Bespoke insurance tour operators and travel agents, with specialist solutions to suit you.

About Tour Operators Insurance


Expert tour and travel operator brokers

One of the UK’s largest placing brokers of tour and travel agents, combined liability insurance packages.


Competitive tour operate quotes

Preferred status amongst the majority of the market ensures your quote is competitive


Policies to fit your requirements

Ability to ensure the tour operators insurance policy fits your business and complies with your package travel regulation requirements

Direct Debit

Pay for tour operators insurance by Direct Debit

You can split your payments into instalments

Features of Tour Operators Insurance

Standard cover

Public/products liability insurance for tour operators

We can offer policies for either full liability cover, or office combined insurance specifically designed for the needs of the UK travel trade. This covers you against claims such as slips, falls, food poisoning and personal injuries while your clients are in the care of your suppliers, such as accommodation providers and/or transportation services.

Professional indemnity insurance operators

Professional indemnity is included as standard in our tour operators’ insurance policies and covers you against misinterpretation and incorrect information in brochures and advertising material.

A recommended tour operator insurance partner

We are a preferred tour operator insurance partner for some of the industry's major names. This includes being an ABTA Partner Plus recommended by the ABTA board; business partners of the Coach Tourism Association; and the only tour operator insurance broker with a preferred business relationship with IAGTO.

Tour Operators FAQs


Why do I need tour operators insurance?


As a tour operator you are responsible for yourself, your business, your clients and the general public, and should something happen to someone during your trip you could be held responsible as it was organised by you.

New regulations mean that it is more important than ever to ensure you and your business are protected from claims. As of 1 July 2018, rules protecting package holidays organised by tour operators extend to cover customers who book other forms of combined travel, such as, flight plus hotel, or hotel plus car rental put together as a deal on a website. These types of bookings are viewed as a package and protected as such. These regulations mean that traders will be made explicitly liable for booking errors in relation to packages, organisers are required to assist travellers in difficulty, as well as a number of other new regulations.


What happens if there is a crisis during a trip?


In a crisis situation, such as a death or kidnapping, when you need immediate expert help, the policy offers 24-hour support and can arrange for attendance in resort by lawyers, expert consultants and adjusters. We are also able to offer crisis PR support and have engaged a specialist travel PR firm who will assist in providing a clear and accurate picture of the situation whilst ensuring that negative coverage is kept to a minimum and a good reputation is maintained.



Why should I get my tour operators insurance from Towergate?


Towergate are in a Government steering group for tour operators insurance and are therefore aware of the latest regulations and public information so we can help tailor your policies to ensure you are covered. Our preferred status means we can help you access attractive rates.


What assistance will you provide in the instance of a claim?


Each claimant will receive a dedicated claims handler to assist them throughout their claim. To meet the demands for claims management we operate to rigorous service levels and our department in Byfleet is part of the wider Towergate claims team, nominated for four awards in 2016. As part of this larger team we can increase our handling capacity at short notice during surge events, such as the volcanic ash cloud in 2011.

  1. We aim to assess all new claims within 24 hours
  2. Once a decision is made on a claim we make payment within five working days
  3. We have an emergency assistance company available to assist with medical emergencies and repatriation requirements

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 01932 334 140 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim