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Bespoke Insurance Solutions

For Travel Businesses
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About Our Bespoke Insurance Solutions

The global travel trade is one of the most complex and interconnected industries in the world. From operators and airlines to cruise lines, technology platforms, and payment providers, every organisation within this ecosystem faces unique challenges and exposures. No two models are the same, and neither are the risks.

At TMU Management, we specialise in business solutions built exclusively for the travel trade. Our bespoke insurance is designed to reflect the realities of each client’s operations — whether you are powering transactions behind the scenes, managing large-scale consumer pipelines, or building innovative travel platforms.

Our approach is to take a holistic view of your business, uncover hidden risks you may not even be aware of, and deliver an embedded protection model that safeguards funds, supports compliance, and strengthens credibility across the supply chain.

Who We Cover

TMU Management works with acquirers, payment service providers (PSPs), and financial institutions seeking to reduce exposure from chargebacks. Our solutions are designed to integrate seamlessly into existing processes and provide confidence when operating across a broad mix of merchant sectors.

Tour Operators

Protection for consumer funds, supplier payments, and operational continuity, meeting Package Travel Regulation compliance and acquirer requirements.

Travel Agencies

Safeguarding client money and operational resilience while meeting licensing and bonding obligations.
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Online Travel Agencies (OTAs)

Specialist cover to manage high transaction volumes, multi-supplier risk and international booking flows.
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Homeworking Groups

Centralised protection for distributed agent networks, ensuring compliance and consumer confidence.

Airlines

Cover to protect ticket revenues, manage repatriation risks, and support financial resilience in a highly regulated, high-volume market.

Cruise Operators

Protection for passenger funds, advance bookings, and global supplier arrangements, safeguarding reputation and customer confidence.
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Travel Technology Platforms

Insurance solutions that integrate seamlessly into booking and payment systems, providing built-in protection for partners, suppliers and end customers.

The Key Benefits of Bespoke Insurance Solutions

Package Travel Regulation Compliance

Every bespoke solution is fully aligned with UK Package Travel Regulations, ensuring compliance across your operations.

Comprehensive Risk Coverage

We address both visible and hidden risks across your model, ensuring you are protected from vulnerabilities you may not have considered.

Operational Flexibility

Our policies are designed around how your business works in practice, whether you are an airline, cruise operator, OTA, or platform provider.

Credibility Across the Supply Chain

Our cover strengthens your position with regulators, merchant acquirers, suppliers, and trade partners by embedding confidence into your financial operations.

Future-Proofed Growth

With risks managed, your organisation can focus on expanding globally, scaling operations, or innovating without disruption.

Custom-Built Solutions

No generic templates. Every insurance policy is tailored to your risk profile, operational structure, and strategic ambitions.

Get an Insurance Policy Built for the Travel Trade

If you need insurance built around how your organisation really operates, TMU Management is ready to help. Our team will work with you to understand your challenges, assess exposures, and build a bespoke solution that fits your strategy.
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Why Leading Organisations Trust our Bespoke Insurance Solutions

From major OTAs and global operators to innovative platforms and alternative compliance models, TMU has delivered protection that strengthens regulatory alignment, reduces risk, and builds long-term credibility. Our clients trust us because we understand the global travel trade in all its complexity, and because we deliver solutions that go beyond compliance to embed confidence into every transaction.

Our Latest Case Studies

Our work demonstrates how bespoke insurance strengthens resilience across the travel trade ecosystem. From safeguarding consumer pipelines for specialist operators to embedding protection into travel platforms and aligning with international payments providers, TMU has delivered solutions tailored to complex models while enhancing compliance and protecting financial integrity.
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Xander Pay

TMU and Xander Pay embed insurance-backed payment protection to secure hotel-agent settlements, improve liquidity and reduce financial risk.
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Travel Ledger

TMU and Travel Ledger embed protected payments insurance into the platform to secure agent-supplier settlements, improve liquidity and enhance trust.
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Travel Counsellors

See how TMU helped Travel Counsellors embed supplier airline failure insurance, safeguarding client funds and boosting trust globally.

Frequently Asked Questions

Can TMU design insurance for any travel trade organisation?
Yes. We work with the entire global travel trade, from OTAs and operators to airlines, cruise lines, and technology platforms. Every policy is bespoke, built around your business model, risk profile, and compliance requirements.
Do bespoke solutions still meet Package Travel Regulation requirements?
Absolutely. Every solution we design is fully aligned with UK Package Travel Regulations, giving you confidence that you are legally compliant while still having a structure built specifically for your organisation.
What if my risks are different from others in the sector?
That is precisely where we add value. TMU examines your operations holistically, uncovering risks you may not even know exist. We then build an insurance model that addresses both obvious and hidden vulnerabilities.
Can TMU provide alternatives to bonds or trust accounts?
Yes. We design alternative compliance solutions, backed by insurance, that satisfy UK regulators, merchant acquirers, and payments providers. This gives your organisation flexibility without compromising on consumer protection.

Want Embeddable Business Protection for the Global Travel Trade?

If you need insurance that is built for your business within the global travel ecosystem, TMU Management is here to help. We design bespoke solutions that fit your strategy, protect your funds, and strengthen your place in the market.
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