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Insurance Solutions for Tour Operators

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Why Insurance is Essential for Tour Operators

Tour operators face unique risks that extend far beyond day-to-day operations. From managing customer funds to handling supplier contracts, your business sits at the centre of a complex financial ecosystem. Without robust protection, one unexpected disruption can threaten your ability to deliver holidays, meet compliance requirements, or maintain customer trust.

Insurance is not just about covering losses. It is about creating the stability and confidence you need to grow, expand, and build long-term relationships with customers, suppliers, and financial partners.
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The Types of Insurance We Provide

TMU Management specialises in providing embedded insurance solutions designed specifically for tour operators. Our products are built around the requirements of the Package Travel Regulations and the demands of merchant acquirers, giving you peace of mind that your obligations are met. Each solution is tailored to your operating model, ensuring that you are protected where you need it most.

The Key Benefits of Our Insurance Policies

Package Travel Regulation Compliance

We provide tailored protection that fully supports compliance with the Package Travel Regulations. From SFI and SAFI to bonds and FFI, our cover is designed to meet your legal obligations with confidence.

Specialist Knowledge

We are specialists in the travel sector, with deep understanding of Package Travel Regulations and the operational challenges of tour operators. This allows us to design cover that aligns with your exact requirements.

Chargeback Protection

Merchant acquirers expect robust protection against insolvency-related chargebacks. Our solutions help you meet these requirements, reducing exposure and maintaining your relationships with key financial partners.

Pipeline Fund Security

Customer money in transit is often one of the most vulnerable areas for tour operators. Our solutions protect pipeline funds, ensuring that even if a supplier or intermediary fails, you can continue to deliver for your customers.

Scalable Support

As your business grows, so do your risks. TMU designs insurance solutions that scale with you, ensuring your protection keeps pace with new destinations, products and customer volumes.

Confidence Across the Value Chain

By embedding insurance directly into your business model, we help strengthen your financial stability and reassure customers, regulators, and partners that you are protected at every level.

Get an Insurance Policy For Your Tour Operator 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 explore your challenges, understand your risk exposure, and build a bespoke solution that fits your strategy.
Contact us
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Why Leading Tour Operators Trust Our Insurance Solutions

Leading tour operators choose TMU because our solutions go beyond standard insurance products. We deliver embedded protection that integrates into your operations, helps you meet acquirer expectations, and supports full Package Travel Regulation compliance. By working in partnership with your team, we ensure our cover not only protects your funds but also strengthens your ability to scale with confidence.

Our Tour Operator Case Studies

Our work demonstrates how tailored insurance can transform resilience in the travel industry. From helping operators expand with embedded insurance that meets acquirer requirements to protecting funds against supplier insolvency, TMU has delivered solutions that strengthen compliance, reduce risk, and safeguard reputations.
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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 insurance help with regulatory compliance?
Yes. TMU Management provides bespoke insurance and financial protection solutions designed exclusively for the travel industry. We support our clients with SFI and SAFI cover, pipeline funds protection, Financial Failure Insurance (FFI) and bonds, ensuring full compliance with the Package Travel Regulations. Every solution is tailored to your business model, so you get the protection you need without paying for cover you do not.

Our insurance is also embeddable, allowing you to mitigate risk in real time and balance protection at moments of both highest and lowest exposure. This means you stay safeguarded at every stage of the customer journey, from booking through to travel completion. With TMU Management, you gain not just compliance, but confidence, flexibility, and financial security, leaving you free to focus on growing your business.
Do you only work with large tour operators?
No. We work with tour operators of every size, from ambitious start-ups to established international groups. Our solutions are designed to scale with your business, meaning you can access the same level of protection and expertise whether you manage a few hundred passengers or many thousands.
How does your insurance integrate into daily operations?
Our solutions are designed to embed directly within your existing financial and operational systems. That means you do not need to change the way you work to stay protected. We focus on seamless integration that strengthens your resilience without adding complexity.
What happens if a supplier or airline fails?
In the event of a supplier or airline failure, our insurance solutions ensure your customers are protected, your obligations under the Package Travel Regulations are met, and your business can continue to operate with minimal disruption. This includes financial cover, repatriation support, and protection for pipeline funds.

Want Embeddable Insurance For Your Tour Operator 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 explore your challenges, understand your risk exposure, and build a bespoke solution that fits your strategy.
Contact us