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Financial Failure Insurance

For Travel Businesses
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What Is Financial Failure Insurance?

Financial Failure Insurance (FFI) is designed to protect travel businesses and their customers in the event of insolvency. When a supplier, organiser, airline, or cruise operator collapses, the impact can be devastating for both travellers and the businesses that serve them. TMU Management provides robust FFI solutions that safeguard consumer payments, protect your business continuity, and ensure compliance with industry regulations.

With our data-driven approach and deep sector expertise, we deliver financial security and operational confidence at every stage of the travel journey.

Who We Cover

TMU Management provides tailored Financial Failure Insurance solutions for a wide range of organisations in the global travel ecosystem. Whether you are selling packages, flights, cruises or accommodation, our solutions are designed to protect your customers and strengthen your financial resilience. Because no two businesses are the same, we also create bespoke policies built around your unique operating model, risk profile and compliance needs.

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 Our Financial Failure Insurance

Package Travel Regulation Compliance

Ensure full compliance with the Package Travel Regulations, protecting consumer funds and supporting licensing requirements.

Business Continuity

Maintain operational stability even in the event of supplier insolvency or unexpected financial disruption.

Customer Confidence

Reassure your customers that their money and travel arrangements are fully protected, building trust and repeat bookings.

Bespoke Cover

Every travel business has a different structure and risk profile. We design policies that are tailored to your unique needs.

Financial Resilience

Protect against insolvencies that could otherwise cause severe cashflow or reputational challenges.

Industry Expertise

Our knowledge of the travel industry ensures that your policy reflects the realities of your business model.

What's Covered Under Our Policy

Financial Failure Insurance provides cover in the event of supplier insolvency, ensuring that customer and partner funds remain protected and operations can continue without disruption. Please note that these are examples only, and the precise inclusions, exclusions and details of cover will be set out in your final insurance policy.

Included

  • Insolvency of a travel organiser, airline or cruise operator
  • Insolvency of a key supplier where payments have already been made
  • Reimbursement of consumer pre-payments and repatriation costs where required
  • Continuity of trading for the insured organisation

Not Covered

  • Fraud or wilful misconduct
  • Insolvency outside the scope of the policy (e.g. non-contracted suppliers)

Get Financial Failure Insurance for Your Travel Business

If you need insurance that's built around how your business really works, TMU Management is ready to help. Our team will explore your challenges, understand your risk exposure, and build a bespoke solution that fits your strategy.
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Why Choose TMU Management For Your Financial Failure Insurance

At TMU, we go beyond providing standardised cover. Our policies are developed using live industry data and backed by our specialist knowledge of the travel sector. This ensures that your protection is not only compliant but also practical and responsive to the realities of your business.

By aligning insurance with your operations, we help you manage exposure, maintain customer confidence, and protect your commercial growth.

Our Latest Case Studies

We have supported leading travel organisations with solutions that deliver measurable results.
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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's Financial Failure Insurance help with regulatory compliance?
Yes. TMU Management provides Financial Failure Insurance that is fully aligned with the Package Travel Regulations, ensuring you meet your legal obligations while protecting consumer funds.
Is the policy the same for every travel business?
No. Every policy is bespoke. We tailor your Financial Failure Insurance to your operating model, exposure levels, and customer needs.
What happens if one of my key suppliers goes insolvent?
Our policies are designed to protect against supplier insolvencies within the scope of your cover. This ensures that consumer funds are reimbursed, your obligations are met, and your business can continue trading.
Why should I choose TMU over other providers?
TMU combines deep travel industry knowledge with cutting-edge data tools, ensuring your cover is more accurate, responsive, and reflective of your real-world risks.

Get Financial Failure Insurance for Your Travel Business

If you need insurance that's built around how your business really works, TMU Management is ready to help. Our team will explore your challenges, understand your risk exposure, and build a bespoke solution that fits your strategy.
Contact us