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

Tour Operators Office Insurance Policy:

	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 Tour Operators Office policy, which is exclusively arranged and administered by Arnold Fisher Insurance Services Limited and underwritten by

Royal & Sun Alliance Insurance plc. For full terms and conditions of the cover, please refer to the policy document, a copy of which is available on request.

TYPE OF INSURANCE AND COVER

This policy provides packaged insurance cover for Tour Operators 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 SOLEY FOR TOUR OPERATORS

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

KEY FEATURES AND BENEFITS

PROPERTY DAMAGE - Choose to insure any of these Sections:

Buildings Cover for buildings, landlord’s fixtures and fittings, small outside buildings, walls, gates and fences and services.	Tenants Improvements and Shop Front Cover for all tenant’s improvements, alterations and decorations for which you are responsible.
Office Contents Cover for Office machinery, trade equipment and general office contents, including; brochures, personal effects and pictures.	All Risks Specific items to be insured away from the premises.
Computer Equipment Cover for Computer and Ancillary equipment including network and cabling in the premises and any other data handling equipment.	Computer Breakdown Extends the computer equipment cover to cover losses in the event of breakdown, a maintenance agreement must cover the insured equipment.
STANDARD COVER FOR THE SELECTED ITEMS INCLUDES
Loss or Damage caused by: Fire Lightning Explosion Aircraft Earthquake Riot Civil Commotion Malicious Damage Storm Flood Escape of Water Impact Theft Accidental Damage Subsidence	Day One Basis of Cover Provides an automatic 15% increase in the value you declare for insurance during the policy period to allow for inflation Reinstatement Cover is on a reinstatement as new basis Larceny cover Loss by Theft is not restricted to theft involving forcible and violent entry or exit

THE PACKAGE POLICY COVERS WILL AUTOMATICALLY INCLUDE

Business Interuption £500,000 non - average cover

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.

Outstanding Debit Balances £100,000 limit

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.

Loss of Money

Money; in transit on premise during business hours up to £4,000 or in a locked safe out of hours up to £1,000

Crossed cheques crossed money orders up to £ 250,000 Any other money loss limit £500

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 £ 10,000

Temporary Total Disablement £100 per week for up to 104 weeks. Clothing and personal effects up £ 250 per person

Theft by Employee Insurance £10,000 limit

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.

Legal Expenses Insurance £50,000 limit

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.

THE FOLLOWING COVERS CAN BE iINCLUDED AT AN ADDITIONAL CHARGE

Directors and Officers Liability

Choice of Indemnity Limits: £250,000 or £500,000 or £1,000,000

Indemnifies the directors and officers for their liability in respect
of claims being 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.

SIGNIFICANT EXCLUSIONS, EXCESSES, IMITATIONS AND CONDITIONS

Main Exclusions

General Policy exclusion of War, Nuclear, Sonic Booms	Electronic Risk / damage contamination of data
Breakdown, wear and tear	Terrorism (part of which can be bought back)
Pollution and contamination

Excesses

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

Property Damage

£250 Computer

£1,000 All subsidence
damage

£100 All other losses
or damage

Loss of Money, Loss of Tickets or Theft by Employee

£50 all claims

Conditions The policy will be subject to minimum

Standards of
Security

Standards of Control

Reference conditions

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This is a summary document only detailing significant features and exclusions of the policy. In order to ensure contract certainty and that you are aware of all of the terms please view a copy of a sample policy on our website, or we can provide you a printed copy on request.