Insurance for Travel Agents

Travel agents make arrangements for tickets, lodging, vehicle hire, and tours for clients.

At Business Insurance Service, we understand not just the insurance industry, but the commercial sector too. Our brokers have years of experience and expertise in finding professionals from across all disciplines the right kind of Liability and Professional Indemnity insurance cover for professionals, giving both sole traders, SMEs, and large international agencies the protection they need.


What Insurance does a Travel Agency need?

Minimum recommended cover can usually be arranged on a Professional Indemnity (PI) combined policy to include Buildings, Computer Equipment & General Contents, Increased Expenditure, Employee Dishonesty, Public Liability, Employers’ Liability

Other covers to consider are Cyber Liability, Employment Practices Liability, Commercial Vehicle, Employee Benefits, Directors and Officers Liability, Excess of Loss/Difference in Cover.

Property Insurance

Property exposures are from the automation and electronic equipment used to arrange bookings. However, most of these items should be covered under the Computers cover in order to get the best cover available. Normally, lightning, power surge, wiring and overheating are the concerns. Business interruption losses can be high if loss of use of equipment should occur during peak travel season. Theft can be high because tickets are highly negotiable instruments, but the increased usage of electronic tickets (e-tickets) eliminates this somewhat. The agent must have good crime protection and internal record-keeping controls to reduce the loss potential.

Property Liability

Premises liability hazards are a concern, as is the case with any type of facility open to the public. The life safety commitments are important. Does the agency organise tours? Do the agents act as tour guides? What are their responsibilities? Not only does great detail and accuracy need to be paid to scheduling and booking, but responsibility for taking a group of people into a climate of civil, social, political, or environmental unrest can have serious implications and results.

Crime Insurance

Crime exposures include Employee Dishonesty and Money and Securities. There must be safeguards against the employees taking unauthorised trips. Audits and record balancing are important. Money and securities protection includes frequent deposits.

Employers’ Liability Insurance

Employers’ liability exposure usually is minimal if the exposure is office only. If other hazards exist, such as transport of clients, then there is a much higher loss potential.

Professional Indemnity Insurance (PI)

Professional liability exposures need examination. If items such as times, dates, places or airlines are shown incorrectly, claims could result. Other professional indemnity exposures include overbooking, customer dissatisfaction with a recommended facility or tour, or failure to warn of conditions at the point of destination. Agents must assist travellers during times of crisis such as strikes, air carrier bankruptcies and other situations where passengers may become stranded.

What other risks does a Travel Agency face?

Other exposures can consist of Book Debts, Deeds and Documents, Goods Held in Trust (for customers’ tickets that have been purchased but not yet picked up), and data processing equipment.

Why not discover more about Business Insurance Service? Or simply get in touch with our services today.

How can Business Insurance Service help Travel Agencies?

Whether you’re a sole trader or a small to large company, your insurance portfolio has to be up to date and provide you and your business with the right level of protection. Rather than trying to find liability or professional indemnity insurance by hunting through countless websites, let us or our website do it for you.

We’re members of the British Insurance Brokers Association (BIBA) and work with some of the largest and best-known insurance providers in the UK, including Lloyds of London for larger, more complex and high-risk customers. We’re fully regulated and committed to delivering a premium quality, trustworthy and reliable service to all our customers, regardless of size.

As preferred brokers working with some of the largest insurance providers in the UK, we have immediate access to a huge range of policies for various businesses, including vets and surgeries. We provide our customers with a bespoke or package service, creating insurance portfolios that are specifically tailored to your individual needs, and your budget.

A fully accredited service delivered by professional brokers

To find out more about insurance for Travel Agencies call us on 01273 789 979

Email us at hello@businessinsuranceservice.co.uk

Use our Get In Touch form to request a call-back.

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    We’re members of the British Insurance Brokers Association and work with some of the largest and best-known insurance providers in the UK, including Lloyds of London for larger, more complex and high-risk customers. We’re fully regulated and committed to delivering a premium quality, trustworthy and reliable service to all our customers, regardless of size.