TMU Management is a specialist provider of embedded, data-driven insurance solutions for travel companies. Our intelligent risk management products integrate seamlessly with your financial operations, creating confidence at every stage of the customer journey.
From start-ups to established operators, our solutions are designed to reduce financial exposure, enhance regulatory compliance and support scalable, sustainable growth.
Built for Package Travel Regulation Compliance
TMU is a leading provider of insurance solutions for travel businesses seeking full compliance with the Package Travel Regulations. Our products are aligned with acquirer expectations and legal requirements, giving you the confidence that customer payments are safeguarded and operational resilience is maintained.
What We Cover
Our embedded protection solutions are tailored to address the full spectrum of risks within the travel sector. From SFI and SAFI to Financial Failure Insurance, bonds and pipeline fund protection, our products are designed to safeguard every element of your business against disruption.
We go further than covering the expected. TMU examines your operations in detail to identify exposures you may not even realise exist. By anticipating hidden vulnerabilities and designing solutions around them, we ensure that your customers, partners and financial flows remain protected, and your business is strengthened for long-term resilience.
We work with a wide range of businesses across the travel industry, providing tailored insurance solutions that safeguard operations, protect funds, ensure compliance with Package Travel Regulations, and strengthen market credibility.
Insurance solutions that integrate seamlessly into booking and payment systems, providing built-in protection for partners, suppliers and end customers.
Our support does not end with a policy. We enable traveller repatriation and intermediary recovery, ensuring continuity of service and protecting your reputation.
Every solution is designed in collaboration with your team to reflect your model and risk profile. With TMU, you are not just meeting regulations. You are strengthening every part of your commercial chain.
Embedded Insurance Built for Modern Travel Businesses
We design embedded solutions that operate in real time, adapting to changes in your exposure and supporting both your compliance and your growth. Our cover helps future-proof your operations while maintaining flexibility for evolving business models.
Seamless Integration with Payment Flows and Operations
TMU ensures seamless integration with existing payment systems and operational workflows, minimising disruption and enhancing efficiency. Whether you are handling high-volume transactions, complex billing or multi-currency flows, we align with your finance and tech teams to streamline processes, automate reconciliations and deliver full visibility.
Full Alignment with Package Travel Regulation Compliance
TMU ensures your operations are fully aligned with Package Travel Regulation (PTR) requirements, supporting legal and financial obligations with confidence. We help protect customer funds, manage trust accounts and support accurate reporting, working closely with your legal and finance teams. Our expertise in the travel sector and its regulatory framework ensures compliance without compromising agility or customer experience.
Get in Touch to Learn More About Our Travel Business Insurance Solutions
If you are ready to protect your funds, meet regulatory requirements and grow with confidence, TMU Management is here to help.
Our work shows how intelligent, embedded insurance can transform resilience in the travel industry. We have supported tour operators in meeting Package Travel Regulation compliance, helped OTAs strengthen protection for high-volume international bookings, and worked with cruise and airline partners to safeguard advance customer payments.
Across every project, our focus is the same: delivering tailored insurance that ensures compliance, reduces exposure and reinforces trust in our clients' businesses.
Can TMU's insurance help with Package Travel Regulation compliance?
Yes. TMU Management provides bespoke insurance and financial protection solutions designed exclusively for the travel industry. We support clients with SFI and SAFI cover, Financial Failure Insurance (FFI), bonds and pipeline funds protection, ensuring full compliance with the Package Travel Regulations. Each solution is tailored to your business model, giving you the exact cover you need without unnecessary costs.
How does embedded insurance work in practice?
Our insurance solutions are designed to integrate directly into your operations and payment flows. This means protection is applied automatically in real time, without adding manual processes or slowing down customer bookings. By embedding cover at the point of transaction, we reduce risk across the entire customer journey, from booking through to travel completion.
What types of travel businesses can TMU support?
We work with every kind of travel business, including tour operators, travel agencies, OTAs, homeworking groups, airlines, cruise operators, activity providers and travel technology platforms. Whether you are handling consumer bookings, managing supplier payments or running complex international operations, we provide tailored insurance to safeguard your business.
Does TMU only cover obvious risks like pipeline funds?
No. TMU looks at your operations as a whole to identify exposures you may not even be aware of. In addition to protecting pipeline funds, we cover risks across SFI, SAFI, FFI and bonds, as well as wider vulnerabilities in your commercial chain. By anticipating hidden risks, we provide comprehensive protection that goes beyond the obvious and helps ensure long-term resilience.
Latest News & Insights
Stay informed with TMU Management's latest updates, expert perspectives, and industry insights. Explore how changing risks, evolving regulations and new innovations are shaping the future of embedded insurance in the travel sector.
Protect your travel business's cash flow and secure your revenue pipeline. Learn what pipeline funds insurance is and why it's vital for mitigating financial risk.
Learn how travel bonds provide financial protection for your customers. Find out how travel bonds work, what they cover and compare them to other methods.
TMU's guide to financial failure insurance for travel businesses. See how it protects your customers, ensures compliance and boosts customer confidence.
Thank you for your interest in TMU Management. If you have any questions about our company or our services, please feel free to reach out via our contact form, or using the contact details below. We look forward to connecting with you soon!
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TMU Management Limited is an Appointed Representative, FRN 968471, of Bluefriars Brokers Limited. Bluefriars Brokers Limited is authorised and regulated by the Financial Conduct Authority, FRN 604987. Bluefriars Brokers Limited is registered at Lloyd's, BFB 1605. Registered Address: Unit 10, Tinwell Business Park, Steadfold Lane, Stamford, PE9 3UN | Company Number: 13645488 | VAT Number: 123 332 066
