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Link to Combined Liability and Professional Indemnity for Tour Operators and/or Travel Agents Insurance Form

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

	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)

This document provides a summary of the significant features,
benefits and limitations of the cover(s) provided under the Arnold
Fisher Combined Liability & Professional Indemnity for Tour
Operators &/or Travel Agents policy, which is exclusively arranged
and administered by Arnold Fisher Insurance Services Limited and
underwritten by Royal & Sun Alliance Insurance Plc. By “topping
up” the “primary” policy an Excess Layer Liability policy, we can
provide additional Public Liability limits of up to a total of
£25,000,000. The Excess Layer policy is exclusively arranged
and administered by Arnold Fisher Insurance Services Limited
and underwritten by Zurich Insurance.

TYPE OF INSURANCE AND COVER

This policy provides packaged insurance cover for Tour Operators &/or Travel Agents under a non-investment insurance contract for a 12 month period from the date of acceptance of cover and/or renewal of the contract.

THIS PRODUCT IS DESIGNED SOLELY FOR TOUR OPERATORS AND/OR TRAVEL AGENTS

The Business description of this policy will show ‘Tour Operator &/or Travel Agent and no other for the purpose of this insurance’.

KEY FEATURES AND BENEFITS
Standard Cover for the selected items:

Public Liability Choice of Indemnity Limits from	£2m to £25m
Covers your legal liability for damage or injury caused to third parties.
Products Liability Choice of Indemnity Limits from	£2m to £25m
Covers your legal liability for injury or damaged caused by your “products” or “products” supplied by your company.

Cover in respect of Public Liability, Products Liability is extended to include cover required for “packages” as defined in ‘The Package Holiday Package Tour & Package Travel Regulations 1992’, requirements of clause 15’ and ‘Code Civile’ (articles 1382 1383 1385 1733 1734 1735)

Legal Defence (Public Liability)

£100,000 any period of cover

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 or Trade Descriptions Act 1968 or Package Travel Package Holiday & Package Tours Regulation 1992 where there has been no actual injury or damage.

Emergency Legal Assistance
Indemnity Limit

£5,000

Covers your cost and expenses in providing emergency assistance
to the passenger in the event of the death or bodily injury of the
passenger whilst pursuing activities not arranged by the tour
operator. In accordance with The Package Holiday Package
Tour & Package Travel Regulations 1992, clause 15.7

ADDITIONALLY CHOOSE TO INSURE ANY OF THESE OTIONAL SECTIONS

Employers Liability

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

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

Legal Defence (Employers Liability)

£250,000 any period of cover

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 where there has been no actual injury or damage.

Professional Indemnity

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

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

Cover in respect of Professional Indemnity is extended to include cover required for “packages” as defined in ‘The Package Holiday Package Tour & Package Travel Regulations 1992’,
requirements of clause 15’ and ‘Code Civile’ (articles 1382 1383 1385 1733 1734 1735)

Directors and Officers Liability

Choice of indemnity options £250,000, £500,000 or £1,000,000

Indemnifies the directors and officers for their liability in respect
of claims made against them arising from any wrongful acts (including 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’ Licence Term 13 Extension.

SIGNIFICANT EXCLUSIONS, EXCESSES, LIMITATIONS AND CONDITIONS

Main Exclusions

•	Terrorism	•	Legal liability has been accepted by agreement
•	Pollution and contamination	•	Abuse (buy back available on request)
•	Legal liability arising out of any premise owned or occupied by the insured outside Great Britain Northern Ireland the Channel Islands or the Isle of Man	•	War invasion act of foreign enemy hostilities (whether war be declared or not) civil war rebellion revolution insurrection or military or usurped power
•	Claim or costs or expenses arising from insolvency or bankruptcy of any other tour operator or any travel agent or any supplier of services	•	Legal liability arising out of the ownership possession or use by or on behalf of the insured or any Person Entitled to Indemnity of any mechanical propelled vehicle aircraft or other aerial device aerospatial device hovercraft water-borne craft.
•	Asbestos

SPECIFIC DIRECTORS AND OFFICER EXCLUSIONS

•	Known facts or circumstances	•	Professional Services/Indemnity
•	Bodily injury/property damage	•	North America Claims
•	Pension Schemes	•	Parent Company claim

For all specific exclusions and policy definitions please request a specimen policy wording.

IMPORTANT

If there are any changes to the Business, the Premise, the Property therein or any other circumstance whereby the risk is increased you must inform us immediately. Failure to do so could invalidate the policy or result in a claim being repudiated .

EXCESSES

Details of the standard policy excesses applicable i.e. the amounts you must pay in the event of a claim.

Public Liability

£250 damage to Property
for each and every occurrence

Professional Indemnity

£50 per pax when acting as
a travel agent,
to a max of
£250.

£250 per pax when acting as
a as a tour operator, max £1,250.

Emergency Legal Assistance

£250 any one Pax

Directors and Officers

£100 each person

£250 any claim or investigation

CONDITIONS

The Annual Premium is noted as a minimum premium and no refund is due in the event of cancellation before normal expiry.

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This is a summary document only detailing significant features of the policy. Copies of the full policy wording and Conditions of the contract are available on request.

Arnold Fisher Insurance Service Limited. Registered as a Limited Company in England No 2923166. Registered Office: 156 South Street, Dorking, Surrey, RH4 2HF Authorised and Regulated by the Financial Services Authority.

Royal & Sun Alliance Insurance Plc Registered in England and Wales No. 93792. Registered Office at St Marks Court Chart Way Horsham West Sussex RH12 1XL. Authorised and Regulated by the Financial Services Authority.

Zurich Insurance Company, Incorporated in Switzerland, Registered in the canton of Zurich. UK Branch registered in England no. BR105, Zurich House, Stanhope Road, Portsmouth, Hampshire PO1 1DU. Authorised and Regulated by the Financial Services Authority