Tour Operators Insurance

We can provide cost-effective Liability Insurance for Operators who are also acting as principals. This includes liability arising out of the actions of suppliers such as hotels which may now be your responsibility.

Travel Industry Insurance Specialists

02045 338 169

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What is Tour Operators Insurance?

As a Tour Operator, you are uniquely exposed to a variety of risks not found in other sectors of industry.

Tour Operators & Travel Agents face liability for the actions of their suppliers under the Package Travel Directives, including airlines and hotel insurance. It is crucial that this risk is fully understood and that you have appropriate Liability Insurance in place. Our flagship product is our very own Tour Operator Liability scheme which is specifically designed to protect Tour Operators against a range of perils.

Effective and appropriate crisis response can be the making or breaking of your brand. Any crisis event can be critical on many levels and we can provide a range of services to assist you 24/7.

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 is one which all companies face and specialist insurance cover is available to help protect you.

Directors & Officers Liability Insurance is also a crucial form of asset protection for anyone in your organisation involved in management or critical decision making.

We can also offer protection for damage to physical company assets from computers to buildings.

The value of expert Insurance advice cannot be ignored and the team at Travel Risk Professionals are on hand ready to discuss any requirements you may have.

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What we do

We work with small start-ups through to nationally-recognised brands across all sectors of travel from beach holidays to winter sports. Our innovative approach to risk enables us to provide a first class service in a crisis which is when you need us most. We provide a range of specialist insurances from Professional Liability through to 24/7 Crisis Response and Brand Protection. Our team boasts a wealth of experience and our bespoke Liability scheme is backed by leading Underwriters.

We have a range of crisis professionals on standby 24/7, 365 days a year to assist our Tour Operator clients in a crisis event. These professionals include crisis coordinators; trauma counsellors; PR & Media experts; translators, security personnel and an emergency air charter service. Hopefully you will never need to call upon them, but if you are faced with a terror attack, a passenger kidnap/disappearance, an air crash or hotel fire, the expertise and professionalism of our responders will enable you to respond in the best possible fashion.

We recognise that the field of Insurance can be a minefield for Tour Operators with a wide range of insurance types available for you to choose from. Our team will be delighted to discuss your needs and advise on appropriate Insurances to consider.

Key considerations

Tour Operators should carefully consider the cover they currently have in place to ensure that it protects them from liability assumed as principal in package bookings. A standard office policy will provide a broad scope of cover but Tour Operators need specific additional protection on a worldwide basis that we can provide under our specialist liability scheme.

Travel Risk Professionals will be delighted to discuss your liability exposures and how best you can look to protect yourself. With minor injury claims potentially running to thousands of pounds, it is definitely worth taking a few minutes to consider whether you have as much protection in place as you need.

Our Relationships with Quality Industry Professionals

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 active speakers on the travel industry circuit and regularly provide educational lectures across the country. With such a range of insurances to consider and with many policies not being necessarily fully suitable we aim to educate on best practice and practical considerations.

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).

Insurance types

Our flagship product is our Tour Operator Liability Insurance scheme. This is a modular and flexible policy designed to provide Tour Operators with specialist liability insurance with worldwide legal protection, legal expenses and the option to add office insurance and Employers Liability.

In addition, we are also able to offer terms and advice on the following relevant covers:

  • Directors & Officers Liability
  • Financial Failure Insurance
  • Cyber Insurance
  • Personal Accident
  • Supplier Failure
  • Travel Disruption
  • Bonding

Latest News

  • Our Promise

    We only insure qualified Medical Professionals for Injectable Treatments

    We are completely independent and trade with integrity – which means we always act in your best interest to place your business with an insurer that’s right for you.

    We work with a team of experts from medical solicitors, qualified health and safety clinical specialists, accountants and Patient Consultation Technology companies to bring together the best services to robustly protect your organisation from every angle.

    We take the time to fully understand the DNA of how your organisation operates by visiting you in person to fully review all the varying exposures within your business and provide guidance, risk management advice and look at any gaps or exposures in cover you may have and implement an insurance solution designed to meet your needs.

    We’re here to defend you, we only work with insurers who take a strong stance against defending claims and involve you every step of the way.

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                    • IMPORTANT UPDATE FROM LLOYD’S

                      Lloyd’s is proposing to transfer certain EEA insurance policies to Lloyd’s Brussels. The proposed transfer will not change terms and conditions of any policy, except that Lloyd’s Brussels will become the insurer and Data Controller in respect of the transferred policies.

                      Further information about the proposal (including whether it could affect your pre-transfer position), which policies are transferring, your rights and what you need to do can be found at

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