Tour Operators

You don’t need to travel the world to find a specialist broker

First Insurance Solutions is a UK based independent insurance broker specialising in Professional Indemnity and Liability insurance for private individuals, SME’s, large businesses and PLCs.

As a specialist broker, you can be assured we understand the risks facing your industry.

The 1992 Package Holiday EC Directive made package travel organisers liable for the acts, errors and omissions of any supplier used in conjunction with a package holiday. In the hotel, if a passenger falls or suffers food poisoning, you could be held liable, as you put the package together.

The requirements apply to package travel, package holidays and package tours; briefly “package” means the pre-arranged combination of no fewer than two of the following:

  • Transport
  • Accommodation
  • Other Tourist Service

As the act also covers your suppliers, this creates additional risk, which must be adequately managed in order to ensure that you are as protected as far as possible.

Below are some of the areas you could potentially be at risk from;

  • Negligence of your suppliers
  • Injury, disease or illness suffered by your passengers whilst on your holiday
  • Claims arising out of mistakes made during the holiday arrangements
  • Loss of enjoyment / ruination of ‘holidays of a lifetime’
  • Harassment claims
  • Property loss or damage
  • Fatalities
  • Fidelity of staff
  • Adverse PR or damage to reputation

Our Professional Indemnity policy providers can cater for all types of needs, and in addition to tailored policies and wordings, we can add the following additional cover to Professional indemnity policies:

  • Public Liability
  • Employers Liability
  • Legal Defence Costs
  • Office Contents
  • Directors & Officers Liability
  • Bond

If you’re unsure on whether you need the cover, feel free to contact us, we are happy to discuss your needs.

Why Deal with First Insurance Solutions?

  • Chartered Insurance Brokers
  • Award winning
  • Independent insurance brokers able to access the whole of the market
  • Trusted and competent advice giving peace of mind to our clients
  • Professionalism, energy and enthusiasm for what we do
  • Exclusive Insurer relationships
  • We are not a call centre

Call us today for a review of your business insurance.