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Pipeline Funds Insurance

For Travel Businesses
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What Is Pipeline Funds Insurance?

Pipeline Funds Insurance provides protection for client monies while they move through the transaction chain between consumer payment and supplier delivery. For many travel businesses, large sums of customer money sit in the pipeline, committed to suppliers but not yet delivered as services. This creates exposure to insolvency or disruption that could compromise your ability to refund or fulfil bookings.

At TMU Management, our Pipeline Funds Insurance is designed to protect every part of this chain, ensuring that money remains safe until the service is provided. This cover not only safeguards the consumer but also brings reassurance to acquirers, suppliers, and partners across the value chain, delivering peace of mind where it matters most.

Who We Cover

TMU Management provides Pipeline Funds Insurance solutions for a wide range of organisations in the global travel ecosystem. Our policies can also be tailored for other travel businesses handling high volumes of customer funds, ensuring continuity of operations and confidence for all stakeholders.

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 Pipeline Funds Insurance

Protection Across the Value Chain

Ensure that customer monies remain secure from payment through to service delivery, protecting your business, your suppliers, and your acquirer relationships.

Customer Confidence

Reassure travellers that their money is safe at every stage, enhancing trust and loyalty.

Financial Stability

Safeguard your cash flow against unexpected disruption in the payment chain.

Bespoke Cover

Policies are designed around your exact booking flows, volumes, and risk profile.

Operational Continuity

Minimise disruption by ensuring funds remain available to manage bookings even if a supplier in the chain fails.

Industry Expertise

Our deep understanding of travel payments and settlement structures means your policy is practical, efficient, and future-ready.

What's Covered Under Our Policy

Pipeline Funds Insurance provides peace of mind that funds remain protected throughout the transaction chain until the service is fulfilled. These are only examples, and the precise inclusions, exclusions and details of cover will be set out in your final insurance policy.

Included

  • Protection of client monies from payment through to supplier delivery
  • Cover for insolvency of suppliers while funds are in transit
  • Safeguarding of advance payments made to suppliers before fulfilment
  • Continuity of trading for the insured organisation

Excluded

  • Fraud or wilful misconduct
  • Insolvency outside the scope of the policy (for example, non-contracted suppliers)

Get Pipeline Funds Insurance for Your Travel Business

If you need insurance that is built around how your business really works, TMU Management is ready to help. Our team is here to assess your pipeline risk, understand your settlement structure, and build a bespoke solution that safeguards both your customers and your partners.
Contact us
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Why Choose TMU Management For Your Pipeline Funds Insurance

Pipeline exposure is one of the least visible yet most significant risks in the travel sector. At TMU, we specialise in protecting these funds with policies that meet the real needs of the industry. By working with TMU, you gain more than a policy. You gain confidence that your business, your customers, and your value chain are protected.

Our Latest Case Studies

Our work with travel businesses of all sizes demonstrates the critical role Pipeline Funds Insurance plays in securing customer monies, protecting acquirer relationships, and ensuring financial continuity. From start-ups to large-scale operators, we have seen how tailored protection can reduce exposure, build trust, and create stronger, more resilient businesses.
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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

Why is Pipeline Funds Insurance important if funds are only held temporarily?
Even short periods of exposure can be risky if a supplier or partner fails. Pipeline Funds Insurance ensures those monies remain protected, preventing disruption for both your business and your customers.
Does Pipeline Funds Insurance support regulatory compliance?
While not mandated by the Package Travel Regulations, Pipeline Funds Insurance provides additional protection that enhances financial resilience. It reassures regulators, partners, and customers that funds are safeguarded throughout the transaction chain.
Which types of businesses need Pipeline Funds Insurance most?
Any travel business handling significant prepayments or managing funds across multiple suppliers can benefit. This includes OTAs, tour operators, and agencies, particularly those with international or complex supply chains.
Can Pipeline Funds Insurance be tailored to my booking flows?
Yes. TMU builds bespoke policies that reflect the exact structure of your business, whether you manage direct consumer payments, multi-supplier arrangements, or work through acquirers.

Get Pipeline Funds Insurance for Your Travel Business

If you need insurance that is built around how your business really works, TMU Management is ready to help. Our team is here to assess your pipeline risk, understand your settlement structure, and build a bespoke solution that safeguards both your customers and your partners.
Contact us