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Link to Combined Liability and Professional Indemnity for Tour Operators and/or Travel Agents Insurance Form

Travel Agents Office Insurance Summary
(Non ABTA Members):

	Combined Liability and Professional Indemnity for Tour Operators and/or Travel Agents
	Tour Operators Office
	Travel Agents Office Combined (Non ABTA Members)
	Travel Agents Office Combined (ABTA Members)

This document provides a summary of the significant features, benefits and limitations of the cover(s) provided under the Arnold Fisher Travel Agents Office policy, which is exclusively arranged and administered by Arnold Fisher Insurance Services Limited and underwritten by Royal & Sun Alliance Insurance Plc.

TYPE OF INSURANCE AND COVER

This policy provides packaged insurance cover for Travel Agents under a non-investment insurance contract for a 12 month period from the date of acceptance of cover and/or renewal of the contract.

THIS PRODUCTS IS DESIGNED SOLEY FOR TRAVEL AGENTS

The Business description of this policy will show ‘Travel Agent (allowing up to a maximum 10% of turnover as Tour Organising) and no other for the purpose of this insurance’. Activity as a Tour Organiser/Tour Operator must not exceed 10% of your annual turnover at any stage within the policy period.

KEY FEATURES AND BENEFITS

PROPERTY DAMAGE
Choose to insure any of these Sections:

Buildings

Cover for buildings, landlord’s fixtures and fittings, small outside buildings, walls, gates and fences and services

Tenants Improvements and Shop Front

Cover for all tenant’s improvements, alterations and decorations for which you are responsible

Office Contents

Cover for Office machinery, trade equipment and general office contents, including; brochures, personal effects
and pictures

All Risks

Specific items to be insured away from the premises

Computer Equipment

Cover for Computer and Ancillary equipment including network and cabling in the premises and any other data handling equipment.

Computer Breakdown

Extends the computer equipment cover to cover losses in the event of breakdown, a maintenance agreement must cover the insured equipment.

STANDARD COVER FOR THE SELECTED ITEMS INCLUDES:

Loss or Damage caused by:

•	Fire Lightning Explosion Aircraft Earthquake	•	Day One Basis of Cover
•	Riot Civil Commotion Malicious Damage	•	Provides an automatic 15% increase in the value you declare for insurance during the policy period to allow for inflation
•	Storm Flood Escape of Water	•	Reinstatement
•	Impact	•	Cover is on a reinstatement as new basis
•	Theft	•	Larceny cover
•	Accidental Damage	•	Loss by Theft is not restricted to theft involving forcible and violent entry or exit
•	Subsidence

THE PACKAGE POLICY COVERS WILL AUTOMATICALLY INCLUDE

BUSINESS INTERUPTION £500,000 non - average cover

Loss of 12 months Income as a consequence of any insured Property Damage loss. Higher limits and indemnity periods are available on request. Up to one years rent payable is included. The cover also includes any lost income as a result of, notifiable disease food or drink poisoning defective sanitation murder
suicide vermin and pests at the premises insured, Prevention/ Denial of Access to the business premise because of damage to
adjacent premises and/or Failure of Gas, Water and Electric Utilities following loss or damage at the supply station.

Outstanding Debit Balances £100,000 limit

Cover extends to include outstanding debit balances (also known as book debts) i.e. we will pay any outstanding debts that you
are unable to trace as a result of loss or damage to your business records.

Loss of Money

Money; in transit on premise during business hours up to	£4,000
or in a locked safe out of hours up to	£1,000
Crossed cheques crossed money orders up to	£250,000
Any other money loss limit	£500

Loss of Tickets

Limit any one ticket	£5,000
Limit any one Loss or period of Cover	£50,000

Personal Injury (Robbery)

Covers you or any director partner or employee sustaining bodily injury during a robbery
Death Benefit or Loss of one or more Limbs or Eyes or Permanent Total Disablement	£10,000
Temporary Total Disablement per week for up to 104 weeks.	£100 per week
Clothing and personal effects up to	£250 per person

Theft by Employee Insurance

Cover is provided for loss of money or goods
caused by fraud or dishonesty of an employee.
Minimum Standards of Control form part of the
policy wording and policy terms and conditions
must be expressly followed

£10,000 Limit

THE PACKAGE POLICY COVERS WILL ALSO INCLUDE

Legal Expenses Insurance

Cover is provided for the costs incurred in
pursuing or defending the legal rights of the
business in relation to statutory employment
regulation. Policy terms and conditions must
be expressly followed

£50,000 Limit

Employers Liability Limit £10,000,000

Cover is to comply with the Employers' Liability (Compulsory Insurance) Act of 1969 for UK domiciled employees and employees working temporarily abroad. An inner limit of

£5,000,000 applies for terrorism

Public Liability Limits of £2,000,000 or £5,000,000

Covers your legal liability for damage or injury caused to third parties.

Products Liability Limits of £2,000,000 or £5,000,000

Covers your legal liability for injury or damage caused by your “products” or ‘products’ supplied by your company.

Legal Defence

Costs in defending proceedings arising from a
breach of the Health & Safety at Work Act 1974,
the Health & Safety at Work (Northern Ireland)
Order 1978 or Part II of the Consumer Protection
Act 1987 where there has been no actual injury
or damage

£250,000 any period of cover

Professional Indemnity - Limit of Indemnity (any one event) £1,000,000

Costs and awards to defend your errors and omissions which cause financial loss to third parties.

Cover in respect of Public Liability, Products Liability and Professional Indemnity is extended to include liability cover
as defined in Clause 15 of ‘The Package Holiday Package
Tour & Package Travel Regulations 1992’

THE FOLLOWING COVERS CAN BE INCLUDED AT AN ADDITIONAL CHARGE

DIRECTORS AND OFFICERS LIABILITY Choice of Indemnity Limits £250,000 or £500,000 or £1,000,000

Indemnifies the directors and officers for their liability in respect
of claims being made against them arising from any wrongful
acts (including any actual or alleged error, misstatement, breach
of contract and breach of authority) in their capacity as a director
or officer. The cover also includes a Civil Aviation Authority Air
Travel Organisers’ Licences Term 13 Extension.

SIGNIFICANT EXCLUSIONS, EXCESSES, LIMITATIONS AND CONDITIONS

Main Exclusions

•	General Policy exclusion of War, Nuclear, Sonic Booms	•	Electronic Risk / damage contamination of data
•	Breakdown, wear and tear	•	Terrorism (part of which can be bought back)
•	Pollution and contamination

Duty of Disclosure

If there are any changes to the Business, the Premise, the Property therein or any other circumstance whereby the risk is increased you must inform us immediately. Failure to do so could invalidate the policy or result in a claim being repudiated.

Excesses

Details of the standard policy excesses applicable i.e. the amounts you must pay in the event of a claim

Property Damage

£250
Computer

£1,000 All subsidence damage

£100 All
other losses
or damage

Professional Indemnity

£100 Per pax
as a travel agent max
£300

£250 Per pax
as a tour

operator max £1,250

Loss of Money, Loss of Tickets
or Theft by Employee

£50 all claims

Directors and
Officers

£100 each person

£250 any claim or investigation

Conditions The policy will be subject to minimum:

•

Standards of Security

•

Standards of Control

•

Reference conditions

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This is a summary document only detailing significant features and exclusions of the policy. In order to ensure contract certainty and that you are aware of all of the terms please view a copy of a sample policy on our website, or we can provide you a printed copy on request.

Travel Agents Office Insurance Summary (Non ABTA Members):

Travel Agents Office Insurance Summary
(Non ABTA Members):