Tour Operators Insurance

  • Tour Operator Insurance is a dedicated business insurance policy for the Travel Sector.

    It is highly recommended by Travel lawyers as it provides insurance cover where your business has a legal liability however its correct name is Combined Liability Insurance as it combines several risks:

    • Public and 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. This cover can sometimes be provided by an office contents policy instead, so this section is optional.
    • Emergency Assistance – this provides cover so a Travel Organiser can give reasonable assistance if a customer suffers death or injury while taking part in an activity or an excursion outside of the booked holiday arrangements.
    • Crisis Management Insurance can now also be included in a Combined Liability policy – a crisis could be defined as one of the following: natural disaster, food poisoning/virus outbreak, kidnapping, activity and/or excursion accident and transportation disaster. When a Travel Organiser needs to be able to act quickly and decisively at the most difficult of times this is where our Crisis Management Insurance provides the financial security and professional advice to deliver the necessary customer care.


    How do I obtain quotations for Combined Liability Insurance?

    ABTOT’s sister company Travel & General Insurance Services are a specialist broker as well as a bond provider. The team can be contacted on 0207 065 5350 or by email on

    How much premium will I pay?

    This depends on the type of organisation and the levels of cover. Contact the t&g travel team for a no-obligation quotation.

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