Travel agent insurance

Q: Will changing from sole trader to limited company affect my insurance policy?

If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

Q: Can I buy business insurance if I’ve had any CCJs or IVAs?

Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

Join over nearly a million customers – we offer public liability cover from £4.95

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10% of customers pay the equivalent of £4.95 a month*

Why is travel agency insurance important?

Bespoke holiday arrangements or family villa deals, depending on your client profile, travel agents face a unique set of risks. It sounds unlikely, but accidents hit hundreds of businesses every day, and the average shop public liability claim can cost thousands. Our cover works hard to protect the business you’ve built, letting you focus on your customers, not the what-ifs.

compare travel agent liability insurance, quotes from £4.95* a month
rated 4.8/5 based on 39.9K public and product liability customer reviews
legal expenses, accident, and employee cover – you choose what you need

Insurance for travel agents – what’s covered?

An insurance for travel agency quote is often built around public liability insurance, to protect you against injury or damage claims. Cover for accidents, employers’ liability, and stock, while buildings and contents cover are also a popular choice for travel agencies.

Travel agency liability insurance

In case your travel agency causes an injury or property damage.
Employers’ liability insurance

In case anyone gets ill or injured while working for your travel agency.
Business and office equipment insurance

In case something happens to equipment like your laptop or phone.
Legal expenses insurance

In case you’re hit with legal expenses connected to your travel agency.
Personal accident insurance

In case you or anyone you’ve covered has an accident, at work or elsewhere.

Travel agency liability insurance

In case your travel agency causes an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:
- damage to someone’s property, caused by your travel company
- an injury or illness caused by your business activities or products
- accidental damage or injuries caused by your employees
For example:
- a client trips over a file on your floor, causing a broken knee which ends up requiring surgery
- you forget to put up a wet floor sign and a customer slips and falls, injuring her lower back
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance
Employers’ liability insurance

In case anyone gets ill or injured while working for your travel agency.

What’s typically covered by employers’ liability insurance?

Claims against your business for:
- an injury or illness that happens as a result of working for you (including temps and casual workers)
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:
- an agent you’ve hired falls down your premises stairs, breaking his leg
- one of your employees claims you’ve provided an inadequate desk set-up, causing chronic back pain
Business and office equipment insurance

In case something happens to equipment like your laptop or phone.

What’s typically covered by business and office equipment insurance?
- accidental damage to your fixtures and fittings, or the equipment you use to run your travel agency business
- theft, flood, and fire damage
For example:
- someone breaks into your premises and steals two company laptops
- a flash flood damages your scanner and printer equipment, as well as your reception furniture
Read more about business and office equipment insurance
Legal expenses insurance

In case you’re hit with legal expenses connected to your travel agency.

What’s typically covered by legal expenses insurance?
- legal costs attributed to your opticians
- property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
- tax and compliance disputes and investigations you need help with
- includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your reputation
For example:
- an employee’s unfair dismissal lawsuit results in legal costs for your travel agents
- HMRC launches an investigation into unpaid tax, and need to pay associated legal costs
Read more about legal expenses insurance
Personal accident insurance

In case you or anyone you’ve covered has an accident, at work or elsewhere.

What’s typically covered by personal accident insurance?
- accidental injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
- lost income, hospital bills, or other medical costs associated with the accident
For example:
- your employee (who you’ve covered on the policy) breaks their wrist while climbing at the weekend
- you fall down some stairs at an event, injuring your legs and requiring hospital treatment
Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does travel company insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.95 per month

Get tailored quotes in 7 minutes – prices are guaranteed for 30 days.

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The price is for up to £2 million of public liability insurance – 10% of customers paid £59.34 or less annually between 1st Feb – 30th April 2025. Equivalent to £4.95 a month (and excludes the extra costs for paying monthly). 82% of customers have a £1 million limit and 18% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.

Example travel company insurance quotes, real prices

£9.95 /month

£79.46 /year

A self-employed travel agent who specialises in UK breaks and sea-cations

2-3 years’ experience
Sole trader
No employees
Based in Liverpool

Public liability

£1,000,000

Employers’ liability

Not included

Contents

Not included

£56.58 /month

£502.94 /year

A travel agency responsible for organising and preparing holiday packages worldwide

5+ years’ experience
Limited company
2 employees
Based in Manchester

Public liability

£5,000,000

Employers’ liability

£10,000,000

Contents

£2,500

How we work out example quotes These examples are real quotes from our online system (created 16/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover	Lowest excess	Highest excess
Public liability	£100	£2500
Employers’ liability	No excess	No excess
Business and office equipment	£50	£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

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Only pay for what you need

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Which type of workers do I need insurance for?
Does travel agent insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Does travel agent insurance cover my work correctly?

Make sure you’re picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you’ll need additional cover. For example, do you need to consider tour operator insurance or guest house insurance?
Do I need cover for other types of work?

If you provide other services, make sure you’re covered
- Hotel insurance
- Holiday let insurance
Other types of insurance
Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.

Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527

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Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£68 million in claims paid out in 2024

76% of claims were settled in 2024.

The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 26/02/2025.

Example claim

Having travel agent insurance through Simply Business has saved companies thousands of pounds when the unexpected happened.

Patsy saved more than £4,000

An overnight break-in at Patsy’s travel agency left her with damaged shutters, a broken door, and smashed windows. The building insurance added to her travel agent insurance policy helped to cover Patsy’s repair and replacement costs.

Insurance payout

£4,322.85

Covering the cost of theft

Insurance payout

Covering the cost of theft

Chosen by nearly one million small business and landlord customers

We started out as a team of five back in 2005. We’ve grown since then, with nearly a million customers across 1,500 trades now trusting us to provide their business insurance.

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Rated 4.6/5

Based on 39.9K Feefo reviews

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Travel agent insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about business insurance for travel agents. You can also check out our business insurance FAQs.

Does public liability insurance cover my business for the actions of my employees?

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

If you employ people, you’re required by law to have employers’ liability insurance.

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

Can I add cover for a different trade or profession to my business insurance policy?

Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you work with photo booths, you may also do the odd photography job for clients – you’ll need additional cover for this, but you can have it all on the one policy.

When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.

What’s the difference between paying by Direct Debit and paying in one lump sum?

You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

one-off credit or debit card payment
BACS payment
Direct Debit

If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

Will changing from sole trader to limited company affect my insurance policy?

Can I buy business insurance if I’ve had any CCJs or IVAs?

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Travel agent insurance

Why is travel agency insurance important?

Insurance for travel agents – what’s covered?

Travel agency liability insurance

What’s typically covered by public liability insurance?

Employers’ liability insurance

What’s typically covered by employers’ liability insurance?

Business and office equipment insurance

What’s typically covered by business and office equipment insurance?

Legal expenses insurance

What’s typically covered by legal expenses insurance?

Personal accident insurance

What’s typically covered by personal accident insurance?

How much does travel company insurance cost?

Prices start from £4.95 per month

Example travel company insurance quotes, real prices

What kind of excess should I expect?

How it works

Pick what goes into your policy

Get prices from a range of insurers

Buy online in minutes

How do I choose insurance?

Which type of workers do I need insurance for?

Does travel agent insurance cover my work correctly?

Do I need cover for other types of work?

Which public liability cover limit should I choose?

Talk to an expert

Online

Phone

FAQs

How do claims work?

£68 million in claims paid out in 2024

Example claim

Patsy saved more than £4,000

Compare and buy in minutes

Rated 4.6/5

Here to help

24/7 claims

Travel agent insurance FAQ