Tour Operators Insurance: Travel Risk Professionals

Tour Operators Insurance Specialist Travel Risk Professionals logo

Providing Insurance Solutions to the UK Travel & Tour Industry for over 15 years, we know how to protect your business.

Are you a start up business?

There are lots of things to consider when starting a new travel business. Tour Operators Insurance is definitely one of them. Along with this you should also be taking steps to minimise the risks within your new business.

Are you an established business?

Every business operates in a unique way. You might already be aware of the standard Tour Operators insurance policy and what this protects. However, there are many elements to an established business which are not protected with this policy. 

Travel agents & tour operators insurance experts

Specialists in:

Our long-established bespoke Liability scheme is aimed at UK Tour Operators & Travel Agents. We offer a broad range of Tour Operator insurance cover designed to meet various risk exposures faced by the Travel Industry.

In many cases Financial Failure Insurance is a regulatory requirement. It is designed to protect you and your clients in the event their payments are placed at risk.

Effective and appropriate crisis response can be the making or breaking of your brand. We recognise that crisis can take many forms but every event will happen when least expected. All of which will have the potential to be devastating.

With greater reliability on and continuing developments in technology, the need for cyber insurance is as important as ever. Regardless of the size of your business, the threat of a cyber attack has become a very common possibility.

This type of cover will protect individual Company Directors & Officers if claims are made against them personally.

We can offer office insurance as an extension to our tour operator liability policy. This  reduces your admin by having one policy.

Our long-established bespoke Liability scheme is aimed at UK Tour Operators & Travel Agents. We offer a broad range of Tour Operator insurance cover designed to meet various risks faced by the Travel Industry.

In many cases Financial Failure Insurance is a regulatory requirement. It is designed to protect you and your clients in the event their payments are placed at risk.

Effective and appropriate crisis response can be the making or breaking of your brand. We recognise that crisis can take many forms but every event will happen when least expected. All of which will have the potential to be devastating.

With greater reliability on and continuing developments in technology, the need for cyber insurance is as important as ever. Regardless of the size of your business, the threat of a cyber attack has become a very common possibility.

This type of cover will protect individual Company Directors & Officers if claims are made against them personally.

We can offer office insurance as an extension to our tour operator liability policy which reduces admin by only having one policy.

What we do

Travel agents & Tour operators insurance experts

We work with small start-ups through to nationally-recognised brands. Because of this, our innovative approach to all types of travel and tour operators enables us to provide a first-class service in a crisis which is when you need us most. We provide a wide range of travel agent & tour operator insurances from Professional Liability through to 24/7 Crisis Response. Our team boasts a wealth of experience, and we have our own in-house Liability scheme backed by leading Underwriters.

We have built strong relationships with a large number of quality industry professionals from Lawyers through to Crisis Responders. We have the ability to provide strong, instant responses in the most traumatic events. This includes terrorist acts, which provides clients peace of mind and also enhances their own duty of care to consumers.

In addition to supporting clients, we are also active speakers on the Travel Industry lecture circuit. We regularly provide educational lectures across the country.  Generally, we find that many businesses are misinformed or unaware about what cover they need. A common mistake is that a tour operator insurance policy will be enough to protect their business. Through this network we are able to better understand and help the industry.

We are corporate members of the Institute of Travel & Tourism. We are also Insurance Advisors to the Latin American Tour Association (LATA) and the African Travel & Tourism Association (ATTA).

Tour Operators Insurance: LATA Member
Tour Operators Insurance Institute of Travel & Tourism
Tour Operators Insurance ATTA

Insurance types

exposures faced by the Travel Industry. Often referred to as Tour Operator insurance, core cover includes Tour Operator & Public Liability, Professional Indemnity & Legal Expenses. Employers Liability can be included if required. Cover is on a worldwide territorial & legal jurisdiction basis.

We have access to a range of policies which provide you with Financial Failure cover. There are a range of options including insurance policies and bonds. Their aim is to ensure your consumers’ deposits and payments are protected in the event of your financial insolvency. This kind of cover is also a regulatory requirements in many cases.

Effective and appropriate crisis response can be the making or breaking of your brand. We recognise that crisis can take many forms, but every event will happen when least expected with the potential to be devastating.

We have formed a bespoke team to assist our tour operators in a crisis event. The services include:

  • 24/7 Call centre
  • Trauma Counsellors
  • PR & Media Experts
  • Security Consultants
  • Kidnap Specialists
  • Translators & an emergency air charter service

Cover responds to a defined range of scenarios including terrorist events.

With great reliability on and continuing developments in technology, the need for cyber insurance protection is as important as ever. With thousands of cyber attacks happening every year it is vital that businesses protect themselves.

Potential cyber attacks:

  • data theft
  • Ransom
  • Pecuniary theft
  • CEO fraud

Our insurance products can assist in a variety of ways including loss of revenue; PR assistance and data liability. Often such policies will also provide access to specialist support in the event of a cyber incident. It is their job to identify, mitigate and stop the cyber threat after an attack.

A very important form of insurance which aims to provide protection for individual Company Directors & Officers. Directors and Officers may find themselves with the misfortune of having to handle and defend claims made against them personally. This could be injury claims, corporate manslaughter defence or shareholder actions. Such cases can take years and without suitable D & O cover, the individual’s assets may be at risk.

We can offer office insurance as an extension to our tour operator liability policy. This reduces admin by only having one policy and provides additional cover to the standard contents and computer. These can include business interruption, theft of tickets, fidelity insurance and money cover. We also cover many agents on the high street with bureaux de change on site.

Your Travel Risk Professionals team

Industry leading expertise

Tour Operator Insurance Specialist Alan Pattison

Alan Pattison

Travel Risk Professionals Managing Director

T: 0203 705 3014

Alan has over 20 years’ experience insuring tour operators from start-ups through to household names. Invested in educating businesses within the travel and tour industry, Alan regularly speaks on the lecture circuit. He is also a member of the Institute of Travel & Tourism.

Tour Operators Insurance Specialist Harry Morris

Harry Morris

Travel and Tourism Account Handler

T: 020 3786 3046

Harry provides support with the day to day needs of our clients within our liability scheme. He manages a range of insurance policies on behalf of our clients from liability through to financial failure.

Tour Operator Insurance Heidi Schlechter Commercial Account Handler Specialist

Heidi Schlechter

Commercial Account Handler

T: 01406 423 565

Heidia has more than 10 years experience in the Travel and Tour insurance sector. She is responsible for handling enquiries along with processing renewals and new business quotations for the team.

Tour Operator Insurance Underwriter Emma Rutter

Emma Rutter

Divisional Manager

T: 0203 705 3037

With over 10 years’ experience in the Lloyd’s market Emma is responsible for handling & preparing quotations for some of our largest clients. Working alongside the MD, Emma is also responsible for managing the technical operation of our in-house liability scheme.

Tour Operator Insurance Specialist Alan Pattison

Alan Pattison

Travel Risk Professionals Managing Director

Alan has over 20 years’ experience insuring tour operators from start-ups through to household names. Invested in educating businesses within the travel and tour industry, Alan regularly speaks on the lecture circuit and is a member of the Institute of Travel & Tourism.

Tour Operators Insurance Specialist Harry Morris

Harry Morris

Travel and Tourism Account Handler

Harry provides support with the day to day needs of our tour operator and travel agent clients within our liability scheme. He manages a range of insurance policies on behalf of our clients from Liability through to Financial Failure.

Tour Operator Insurance Heidi Schlechter Commercial Account Handler Specialist

Heidi Schlechter

Commercial Account Handler

With more than 10 years experience in the Travel and Tour insurance sector, Heidi is responsible for handling enquiries along with processing renewals and new business quotations for the team.

Tour Operator Insurance Underwriter Emma Rutter

Emma Rutter

Travel and Tourism Underwriter

Emma has over 10 years’ experience in the Lloyd’s market and is responsible for handling & preparing the quotations for some of our largest customers. Working alongside the MD, Emma is also responsible for managing the technical operation of our in-house liability scheme.

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Download your free Risk Management Guide

A strong risk management strategy can have a huge impact on the price of your insurance as it reduces the likelihood of a claim. We believe in educating our clients in how to do this and so have put together a free Risk Management Guide available for you to download for free.

Download your free Risk Management Guide

A strong risk management strategy can have a huge impact on the price of your insurance as it reduces the likelihood of a claim. We believe in educating our clients in how to do this and so have put together a free Risk Management Guide available for you to download for free.

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Frequently Asked Questions

Is an online office insurance policy suitable liability protection for a tour operator business?
No. This is because Tour operators and travel agents have a unique set of liability risks which are not usually covered by online or standard office insurance policies. Speak to an insurance specialist who will advise on how suitable your insurance policy is.
Will a Tour Operator Liability policy provide cover for force majeure events?
No. Typically, a Tour operator liability policy is intended to respond to claims against you for the unintentionally negligent acts of you or your suppliers. You may still have an obligation to pay out refunds or compensation in a force majeure event. However, this would typically fall under what is termed ‘ Travel Disruption Insurance’. Please contact us for further details or quotations.
How do I protect myself against the financial failure of one of my suppliers?
This can only be protected against under a supplier failure or scheduled airline failure policy. Travel Risk Professionals have markets for these if this type of insurance is needed.
Is a business covered if they transport passengers in their own company vehicles?
You have to check that your motor or fleet policy covers you for this. In the same way, if you operate marine craft you would need to have a marine policy in to pick up claims for any injury caused whilst on board a boat or in a vehicle owned or operated by you or your staff.
I have received charge backs because of a fraudulent credit card being used to pay for a flight. Can I claim under my liability insurance?

No as this would be viewed as a commercial risk outside of liability insurance.

What insurance is needed if the computer systems are hacked?

This would be a specialist Cyber & Privacy Insurance policy.

Does the Tour Operator Liability policy cover claims made against me as Director personally?

No it would not. This is because a tour operator’s liability policy is designed to respond to claims made against the company, not the individual. A Directors & Officers Liability policy would provide protection for claims against an individual.

Are there any more business insurance products available?

Yes. This is because we are part of Tasker Insurance Brokers who have a wide range of products available here.