Travel Agents Office Combined (ABTA
Members):

Combined Liability and Professional Indemnity
for Tour Operators and/or Travel Agents

Tour Operators Office

Travel Agents Office Combined (Non ABTA Members)

Travel Agents Office Combined (ABTA Members)

1. Buildings
Cover for buildings, landlords fixtures and fittings, small outside buildings, walls, gates and fences and services.

3. Computer Equipment
Cover for computer and ancillary equipment including
network and cabling in the premises and any other
data handling equipment.

2. Contents
Cover for office machinery, trade equipment and general office contents, including: brochures, personal effects
and pictures.

4. Tenants Improvements and Shop Front
Cover for all tenants improvements, alterations and decorations which you are responsible for.

5. All Risks
Specific items to be insured away from the premises.

Business Interruption

Loss of 12 months Income as a consequence of any insured Property Damage loss. Higher limits and indemnity periods are available on request. Up to one years rent payable is included. The cover also includes any lost income as a result of: notifiable disease food or drink poisoning defective sanitation murder suicide vermin and pests at the premises insured, Prevention/Denial of Access to the business premise because of damage to adjacent premises and/or Failure of Gas, Water and Electric Utilities following
loss or damage at the supply station.

£500,000 limit

Outstanding Debit Balances

Cover extends to include outstanding
debit balances (also known as book
debts) i.e. we will pay any outstanding debts that you are unable to trace as
a result of loss or damage to your
business records.

£100,000 limit

Loss of Money

Money; in transit or on premise during business hours

or in a locked safe out of hours

Crossed cheques crossed money orders


Any other money loss

up to £4,000


up to £1,000

up to £250,000


£500 limit

Loss of Tickets

Limit any one ticket - £5,000

Limit any one Loss or period of Cover - £50,000

Personal Injury (Robbery)

Covers you or any director partner
or employee sustaining bodily injury during a robbery

Death Benefit or Loss of one or more Limbs or Eyes or Permanent Total Disablement

Temporary Total Disablement


Clothing and personal effects up to

£10,000







£100 per week for up to 104 weeks

£250 per person

Theft by Employee Insurance

Cover is provided for loss of money
or goods caused by fraud or dishonesty
of an employee. Minimum Standards
of Control form part of the policy
wording and policy terms and
conditions must be expressly followed.

£10,000 limit

Legal Expenses Insurance

Cover is provided for the costs
incurred in pursuing or defending the
legal rights of the business in relation
to statutory employment regulation.
Policy terms and conditions must be
expressly followed.

£50,000 limit

Employers’ Liability

Cover is to comply with the Employers'
Liability (Compulsory Insurance) Act of
1969 for UK domiciled employees
and employees working temporarily
abroad.

Limit £10m with
inner limit of £5m
for terrorism

Public Liability

Covers your legal liability for damage
or injury caused to third parties.

Choice of Indemnity Limits: £2m or £5m

Products Liability

Covers your legal liability for injury or
damage caused by your ‘products’ or
‘products’ supplied by your company.

Choice of Indemnity Limits: £2m or £5m

Legal Defence

Costs in defending proceedings
arising from a breach of the Health
& Safety at Work Act 1974, the Health
& Safety at Work (Northern Ireland)
Order 1978 or Part II of the Consumer
Protection Act 1987 where there has
been no actual injury or damage.

£250,000 any period of cover

Professional Indemnity

Costs and awards to defend your
errors and omissions which cause
financial loss to third parties.

Limit of Indemnity (limit any one event) £1m

Cover in respect of Public Liability, Products Liability and Professional Indemnity is extended to include cover
as defined in ‘The Package Holiday Package Tour & Package Travel Regulations 1992’

Business Travel

Insured persons: directors or partners on the board of the company other than non-executive directors.

Medical Expenses and Emergency
Travel Expenses

£1,000,000

Legal Expenses

£25,000

Personal Baggage

£2,500

Cancellation and Curtailment,
Travel Delay

£5,000

Hijack and Kidnap

£10,000

Personal Liability

£2,000,000

Operative Time

External journeys (Europe/Rest of the World)

Directors and Officers Liability

Choice of Indemnity Limits:

Indemnifies the directors and officers
for their liability in respect of claims
made against them arising from any
wrongful acts (including any actual or
alleged error, misstatement, breach
of contract and breach of authority) in
their capacity as a director or officer.
The cover also includes a Civil Aviation
Authority Air Travel Organisers'
Licences Term 13 Extension.

£250,000 or £500,000 or £1m

Property Damage

Professional Indemnity

Loss of Money, Loss of Tickets
or Theft by Employee

£250 computer

£1,000
subsidence

£100 all other
loss or damage

£100 per pax as a travel agent, max £300

£250 per pax as a tour operator, max £1,250

£50 all claims