Tour Operators Insurance

Bespoke tour operators insurance for some of the UK's largest tour operators and travel agents, with specialist solutions to suit you.

  • One of the UK's largest placing brokers of tour and travel agents, combined liability insurance packages
  • Our preferred status amongst the majority of the market ensures your quote is the most competitive
  • Ability to ensure the tour operators insurance policy fits your business requirements

Request a bespoke quote for your tour operators insurance online

Get a quote

Call us today to speak to a specialist tour operators insurance adviser:

01932 334 140

Weekdays 9am – 5pm

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Features of our tour operators insurance

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 for tour 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.

Financial failure insurance

As one of the market leaders in financial failure insurance we can help you meet your financial obligations to your customers. If your tour operating business fails in challenging market conditions, our low-cost cover can protect you against financial liabilities your may incur. Our scheme can be made available to tour operators and accommodation providers.

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.

We like to make it easy for you to choose the right policy for your business. Compare our levels of cover in a glance using this handy table.

  Liability Office Combined
Public liability cover up to £25,000,000
Employers liability
Bespoke cover tailored to meet the specific business needs and requirements
Competitive pricing
Expert knowledge and client support
Premium instalment facilities  
Office contents and building  

Tour Operators Insurance Claims

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

Need to make a claim?

To make or discuss a claim on your tour operators insurance please call us on:

01932 334 140

Or email us at tcs@towergate.co.uk

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Tour Operators Insurance 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 will 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 will be viewed as a package and protected as such. These regulations will mean that traders will be made explicitly liable for booking errors in relation to packages, organisers will be required to assist travellers in difficulty, as well as a number of other new regulations. For more information on the changes, visit the European Commission website.

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, we offer 24-hour support and can arrange for immediate 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. We currently have in excess of 300 clients for whom we arrange bespoke travel insurance solutions. Our preferred status means we can help you access attractive rates.

Do you offer financial failure protection?

Yes, we offer both travel bonds and financial failure products to help you flexibly and safely make the most of your money. Our years of experience have given us detailed knowledge of travel bonds and related insurance risks, allowing you to focus on your clients. Speak to one of our specialist tour operators insurance advisers to find out more about the protection we offer.

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

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