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.
- Over 50 years' experience as insurance advisers to the travel industry as a whole.
- UK-based support online call us on 01932 334 140 or request a callback
One of the UK's leading independent insurance brokers
Why choose travel agents insurance with Towergate?
Competitively priced insurance
Our preferred status amongst the majority of the market ensures your travel agents quote is competitive.
Tailored travel agents insurance
Policies that fit your business and comply with your package travel regulation requirements.
Dedicated claims service
Experts claim handlers to give you peace of mind.
Pay for your travel agents cover by Direct Debit
Choose to spread your payment into 10 monthly Direct Debit instalments.
About travel agents insurance
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.
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.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
Travel agents insurance FAQs
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.
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
- 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
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.
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