Liability insurance

The process

t&g works with a select number of respected insurers and will obtain a tailored quotation for your insurance needs.

Once in receipt of the completed application form and supporting documentation, we will email it to the underwriters so terms are usually obtained within a matter of days, sooner if the enquiry is urgent.

A quotation will be valid for 30 days. If the terms are acceptable, following payment, the policy documentation and certification will be obtained and sent to you.

Before renewal we will go to market once more to ensure you are getting the right product at the right price.

  • Why do I need liability insurance?

    No matter how well a travel itinerary is planned things sometimes go wrong. So it is important that you take steps where possible to protect your business in these circumstances.

    A combined liability policy is often also a requirement of joining some travel associations such as ABTOT or ABTA and AITO, and is considered whilst getting licensed via ATOL.

    A combined liability policy will engage 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:

  • Other insurances and services

    As a specialist intermediary t&g provides a convenient solution for different types of insurances required by travel organisers and agents. These products include: liability insurance for travel organisers and travel agents, office buildings and contents insurance; crisis management insurance, catastrophe cover and combined office and liability insurance.

    We often find that requests for liability insurance are part of a wider enquiry involving other products (e.g. bonding and financial protection) provided by t&g. In this situation you will find that some of the supporting information for each application is the same. We are happy to receive both applications at the same time or we can take copies of information that has already been provided to our underwriters.

    Appropriately worded booking conditions with customers and suitably worded contracts with suppliers can reduce your exposure to liability. Being able to demonstrate good risk management procedures in all the booked arrangements will also help. If you need advice when formulating the documents it would be wise to contact lawyers who specialise in travel law. We have some contacts in that regard if you need them.

Protecting your business, protecting your customers

Fulfilling all your insurance requirements