Cork Bays & Fisher

Insurance Solutions for the UK Travel Trade

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Tour Operator Liability Insurance

Tour Operator Liability Insurance

Cork Bays & Fisher provides combined tour operators' liability insurance to a range of tour operators and travel agents - each policy tailored to individual requirements.

The Package Travel Directive has many requirements with Article 5 (Reg. 15 of the 1992 UK Package Regulations) imposing additional liabilities on a Tour Organiser. One of the most serious is the imposition of an almost strict liability for the “proper performance of the contract”, including liability for the actions of suppliers. Adequate insurance protection against these liabilities is a specialist area, with only a few insurers prepared to provide the extent of cover needed.

Through our unique underwriting arrangements Cork Bays & Fisher are able to offer wide insurance protection at competitive prices, backed by expert service, including the vital area of claims.

Summary of Cover:

Public Liability

This protects the insured against legal liability for death or injury to clients or damage to their property, including liability where the cause is the action of a supplier. Substantial liability is imposed by the 1992 Regulations and many of the trade associations (ABTA, AITO, TTA, etc.) require insurance as a condition of membership.

Professional Indemnity

This protects the insured against claims for compensation by dissatisfied customers where injury or property damage is not involved. Cover for liability for the actions of suppliers, as well as the insured’s own errors and omissions, is included.

Employers’ Liability

This provides cover in respect of claims arising out of injury to employees in the course of their employment within the UK and also whilst working temporarily abroad.
This insurance is compulsory for any UK Employer under the terms of the Employers’ Liability (Compulsory Insurance) Act 1969.

Emergency Assistance

The ABTA Code of Conduct imposes on Tour Operators a requirement to provide ‘general assistance’ including initial legal costs to a client who suffers a mishap arising from an activity outside the booked holiday. The Package Travel Regulations (regulation 15, paragraph 7) specifically refers to this obligation, which is covered by this section of the policy.

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