The policy combines four sections and provides the following cover where you have a legal liability imposed on you:
This covers the policyholder in respect of costs for claims arising from death or injury to customers and damage to their property.
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.
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.
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 PTRs impose this obligation, as does the ABTA Code of Conduct.