Combined Liability Insurance for Travel Organisers
also known as Tour Operator Insurance
Why do I need liability insurance?
No matter how well you plan a travel itinerary things can still go wrong. A combined liability policy will engage claims from your customers where you have legal liability imposed on you. A combined liability policy will involve claims from your customers where you have legal liability imposed on you. This could follow an incident involving bodily injury or illness, or something less serious such as the non-performance of a contract, which could still prove costly. It has four sections:
Combined liability policy information
Public/Products Liability
This covers the policyholder in respect of costs for claims arising from death or injury to customers and damage to their property.
Professional Indemnity
This covers the policyholder in respect of claims from customers who have suffered a financial loss caused by negligence or breach of contract by the policyholder.
Employers’ Liability
This cover is compulsory for any UK employer under the terms of the Employers’ Liability Act 1969. It protects the policyholder from claims arising out of injury or illness to their employees in the course of their employment. The cover can sometimes be provided by an office contents policy instead so this section is optional.
Emergency Assistance
This section provides cover (usually up to £5k per booking form) so that an organiser can give reasonable assistance if a customer suffers death from injury while taking part in an activity or an excursion outside of the booked holiday arrangements. The Package Travel Regulations impose this obligation, as does ABTOT.
