Tour Operator Insurance

also known as Combined Liability Insurance

  • The Combined Liability Insurance t&g can provide as a specialist intermediary can cover your customers only or your customers and employees – it is your choice. The t&g Combined Liability Policy:

    • Enables Travel Organisers to meet the cost of compensation or legal fees with regards to public claims and employees.
    • If things go wrong, being exposed in key areas could affect your business considerably
    • All cover is in place with one insurance company


    t&g Combined Liability Insurance can include:

    • 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 PTRs impose this obligation, as does the ABTA Code of Conduct and ABTOT guidelines.

    Dermot Macward Redspokes Adventure Tours t&g customer says:

    “t&g provide a friendly and efficient service. Their advisers are quick to provide informative answers and support. We are very pleased with the policy cover that has been provided to us and would be happy to recommend the company”

  • Contact the t&g Team

    Email the team Call the team on 0207 065 5380

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