Travel Agents Insurance

Specialist liability cover designed for travel agents, including specialist policies designed to fit your business needs and requirements; up to 25% dynamic packaging, to help you tailor packages to your clients' needs; and over 50 years' experience as insurance advisers to the travel industry as a whole.

About Travel Agents Insurance

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Competitively priced insurance

Our preferred status amongst the majority of the market ensures your travel agents quote is competitive

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Tailored travel agents insurance

Policies that fit your business and comply with your package travel regulation requirements

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Dedicated claims service

Experts claim handlers to give you peace of mind

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Pay for your travel agents cover by Direct Debit

You can split your payment into instalments

Features of Travel Agents Insurance

Standard cover

Public liability cover for travel agents

Cover to protect the insured against damages being sought for death or injury or damage to property against tour operators or travel agents. This cover includes 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”. Our policy can include a public liability limit of indemnity of £2 million (with the option to increase up to £25 million).

Professional indemnity insurance for travel agents

Our professional indemnity cover is here to provide protection against 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 third-party suppliers. Cover can extend to include sale of insurance extension if required.

Property damage cover

Property damage cover for travel agencies can include: buildings cover, office contents, computer equipment, tenants improvements and shop front and ‘All Risks’.

Dynamic packaging cover

Dynamic packaging is when a travel company puts single components together to form one package: i.e. transportation, accommodation, theatre tickets, car hire. Towergate can arrange cover for dynamic packaging providing the activities do not exceed 25% of the total turnover.

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.

1.

Find your insurance documents

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

2.

Call the claims team

on 01932 334 140 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim

Travel Agents FAQs

Question

What insurance cover do I need as a travel agency?

Answer

Our travel office combined policy is designed to protect the tangible assets of your business and your potential liability exposures to the package travel regulations. A number of areas which you are at risk from include, but are not limited to:

  • Negligence of your suppliers
  • Injury
  • Disease or illness suffered by your passengers whilst on your holiday
  • Claims arising out of mistakes made during the holiday arrangements
  • Loss of enjoyment / ruination of ‘holidays of a lifetime
  • Property loss or damage

Public Liability, with limits of indemnity from £2m to £25m. This is to protect your business against damages being sought for death or injury or damage to property. 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 may include:

  • Corporate Manslaughter and Corporate Homicide defence costs included
  • Crisis costs and expenses
  • 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 - with £1,000,000 indemnity limit for any one loss. This cover is designed to provide protection to you 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.

Question

What optional covers are available as part of your travel agents' insurance?

Answer

Optional Covers available include:

  • 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

Question

What are key features of our travel agents' insurance?

Answer
  • Property damage up to £5m for any one location, including AD & subsidence
  • 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 and 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

Question

What are the exclusions of your insurance policies for travel agents?

Answer

Exclusions vary according to policy type, so it’s important to make sure that you understand and communicate your business’s specifics and needs when speaking to an adviser.