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

Our team includes the highly experienced Tour Indemnity staff who joined our brand in 2019. We cover all types of Tour Company from Adventure through to Agent and offer a range of solutions to help protect our clients.

Are you a start up business?

There are lots of things to consider when starting a new travel business and Insurance is definitely one of them. To find out more about the insurance products available to you and what might be suitable, please click below and if you have any further questions please contact us.

Are you an established business?

We insure a huge cross section of the sector covering many different types of operator and all sizes from niche through to turnovers of £100 million plus.

Every company has its own exposures and unique way of operating. We will be delighted to offer you the benefit of our experience in helping you get the right cover in place.

Tour operators & travel agents insurance experts

Specialists in:

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

In many cases Financial Failure Insurance is a regulatory requirement 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 and will have the potential to be devastating.

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

A very important form of insurance which aims to provide protection for individual Company Directors & Officers, who may find themselves with the misfortune of having to handle and defend claims 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.

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

In many cases Financial Failure Insurance is a regulatory requirement 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 and will have the potential to be devastating.

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

A very important form of insurance which aims to provide protection for individual Company Directors & Officers, who may find themselves with the misfortune of having to handle and defend claims 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

Tour Operators & Travel Agents Insurance Experts

Our innovative approach to all types of Travel and Tour operators from small start ups through to Nationally-recognised brands, enables us to provide a first class service in a crisis which is when you need us most. We provide a wide range of Insurance solutions from Professional Liability through to 24/7 Crisis Response. Our team boasts a wealth of experience and we access our own in-house Liability scheme backed by leading Underwriters.

Through years of work in this sector we have built up 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 even the most traumatic of events, including terrorist acts, which gives our clients peace of mind and also enhances their own duty of care to consumers.

In addition to servicing the insurance needs of our many clients, we are also active speakers on the Travel Industry lecture circuit and regularly provide educational lectures across the country.

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

We are members of:

Insurance types

Our long-established bespoke Liability scheme is aimed at UK Tour Operators & Travel Agents. We offer a broad range of cover designed to meet various risk exposures faced by the Travel Industry. Core cover includes Tour Operator & Public Liability, Professional Indemnity & Legal Expenses. Employers Liability can be included if required. Cover is on 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 open including Insurance policies and bonds and their aim is to ensure your consumers’ deposits and payments are protected in the event of your financial insolvency. Such 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 and will have the potential to be devastating. We have formed a bespoke team to assist our tour operators in a crisis event which include a 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 reported annually across a range of scenarios including data theft, ransom, pecuniary theft and CEO fraud, it is vital that businesses seek to obtain as much protection as possible. We can offer insurance products which assist in a variety of ways including loss of revenue; PR assistance, data liability and much more. Often such policies will also allow access to a range of specialists in the event of cyber incident to help identify, mitigate and help cease the threat.

A very important form of insurance which aims to provide protection for individual Company Directors & Officers, who may find themselves with the misfortune of having to handle and defend claims made against them personally. this could take the form of injury claims, corporate manslaughter defence or shareholder actions to name a few scenarios. Such cases can take years and without suitable D & O cover, the assets of the individual 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 offers a range of cover in addition to standard contents and computer cover including 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

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 and is a member of the Institute of Travel & Tourism.

Harry Morris

Travel and Tourism Account Handler

T: 020 3786 3046

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.

Heidi Schlechter

Commercial Account Handler

T: 01406 423 565

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.

Emma Rutter

Travel and Tourism Underwriter

T: 0203 705 3037

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.

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.

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.

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.

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 my business as a tour operator?

No – As a tour operator or travel agent you are exposed to a unique set of liability risks which are not generally covered by online or standard office insurance policies. Please seek specialist insurance advice on the suitability of your planned insurance arrangements, as the liability risk can be very costly.

I have a Tour Operator Liability policy. Does this cover for me for force majeure events?
Typically no. A Tour operator liability policy is generally intended to respond to claims made against you which arise out of 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, but 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. We have markets for these if quotes are required.

We transport passengers in our own company vehicles. Are we covered?
You have to make sure that your motor insurance 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 force 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 as a result of a fraudulent credit card being used to pay for a flight. Can I claim under my liability insurance?
No – this would be viewed as a commercial risk outside of liability insurance

If my computer systems have been hacked, what insurance would I need to help me respond?
This would be a specialist Cyber & Privacy Insurance policy

Does the Tour Operator Liability policy cover claims made against me as Director personally?
No – the tour operator liability policy is designed to respond to claims made against the company. To provide legal defence costs cover in the event a claim is made against you personally, you will need to have a Directors & Officers Liability policy in place.