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TOUR OPERATOR'S LIABILITY INSURANCE Comprehensive responsibility cover for travel planners

Get a quote for your tour operator’s liability insurance

Why do I need Tour Operator’s Liability Insurance?

Tour Operators and travel agents are responsible for ‘proper performance of the contract’; this means they can be held liable if aspects of the trip or holiday don’t go to plan, which can include the actions or inactions of subcontractors & suppliers.

Get a quote for your tour operator’s liability insurance

Tour operator's liability insurance pound notes

Tour operator’s liability is designed to defend tour operators if they are accused of failing to supply what the customer was expecting or if something goes wrong on the trip for which the traveller holds you responsible.

A good tour operator’s policy will combine professional indemnity with public liability, so claims for errors and financial losses and claims for injury, illness or damage can be covered. So whether you mis-book accommodation or a customer is injured on an excursion, your policy will assist you.

Package Travel Regulations will advise if you must protect your client’s money with insurance, a bond or a dedicated bank account. If you are arranging flights, you should also obtain an ATOL bond.

Depending on what you are offering your clients if you are arranging tours, events, or trips for which clients purchase tickets online, you may also want to consider entry refund protection insurance: this will give your clients a full refund if they are unable to attend the event for a genuine reason, with no administrative burden for you.

What insurance do I need to consider?

Every club, organisation, and race is unique, so no ‘one size fits all’ insurance plan or solution exists. Aside from tour operator’s liability insurance, there are some other recommended insurance options for your club, such as:

Public Liability

To cover the insured’s legal liability to compensate others for personal injury or damage to their property. Find out more

Personal Accident

Cover that pays a benefit in the event of an insured person’s death, injury or illness. Find out more

Cyber Insurance

Protect your systems, membership details and customer data against cyber threats and breaches. Find out more

Legal Expenses

Provides legal services and covers costs to defend or pursue certain legal actions. Find out more

Kit & equipment

A specialist kit and equipment insurance designed for the sports, dance and leisure industry. Find out more

Employers Liability

Cover should an employee suffer a work-related injury or disease, whether full time, part time or volunteer. Find out more

Event Cancellation

Compensate for any financial loss following cancellation, disruption, postponement or relocation. Find out more

Sports travel insurance

Cover for sports individuals including whilst competing with option to cover winter sports. Find out more

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