Smarter business insurance

Travel Industry Insurance.
Cover That Moves With Your Business.

Protection for travel agents, tour operators, and travel businesses across Australia.

100%

Sector Focus

48h

Max Turnaround

Global

Reach

Recognition

Industry Awards

Access to Australia's leading insurers and underwriting agencies, including:

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Travel businesses face a unique mix of risks. You're handling client money, booking on their behalf, giving advice, and often coordinating with suppliers across multiple countries. If something goes wrong, whether it's a cancelled trip, a supplier collapse, or a client injury overseas, you can be left holding the bag.

Standard business insurance doesn't always account for these exposures. Travel agents need Professional Indemnity to cover advice and booking errors. Tour operators need Public Liability that actually covers the activities they run. And increasingly, any business handling customer payments and personal data needs to think about Cyber.

We work with travel businesses to make sure the cover actually matches what you do, not just a generic policy that ticks a box.

RISK ARCHITECTURE

What we cover

Travel industry insurance typically includes:

Covers claims arising from errors, omissions, or negligent advice. This could be booking the wrong dates, failing to advise on visa requirements, or recommending a supplier that doesn't deliver.
Protects against third-party injury or property damage claims. For tour operators, this needs to extend to the activities you actually run, whether that's city walking tours or something more adventurous.
Cyber Liability is increasingly relevant for travel businesses. You're holding credit card details, passport information, and travel itineraries. A data breach or ransomware attack can be expensive to recover from, and clients expect you to have this covered.
Protects directors and officers against personal liability for business decisions. For growing travel businesses with investors or boards, this is often a requirement.
Covers your office, equipment, and business interruption. Less glamorous, but necessary.
Travel industry professional placeholder

Why travel businesses need a broker

Travel sits in an awkward spot for insurers. You're not quite retail, not quite professional services, and your risk profile changes depending on whether you're booking flights to Fiji or running adventure tours in the Kimberley.

Many travel businesses find that off-the-shelf policies either exclude key activities, have inadequate limits for the money you handle, or don't account for international exposures. A broker can help you find cover that matches your actual operations.

We ensure your cover matches your actual operations, rather than forcing you into a category that doesn't fit.

PLACEMENT ARCHIVE

How we've helped

Recent placements for travel businesses with complex international requirements.

TECHNICAL ANALYSIS

The questions we ask

When we're putting together cover for a travel business, we want to understand:

01

What type of travel do you arrange? (Flights and hotels, tours, corporate travel, adventure travel)

02

Do you operate tours yourself, or just book through third parties?

03

What's your annual turnover and how much client money do you handle?

04

Do you have staff overseas, or just in Australia?

05

What systems do you use for bookings and payments?

06

Have you had any claims or complaints in the past?

01

What type of travel do you arrange? (Flights and hotels, tours, corporate travel, adventure travel)

02

Do you operate tours yourself, or just book through third parties?

03

What's your annual turnover and how much client money do you handle?

04

Do you have staff overseas, or just in Australia?

05

What systems do you use for bookings and payments?

06

Have you had any claims or complaints in the past?

KNOWLEDGE BASE

FAQs

Yes, if you're giving advice or making bookings on behalf of clients. PI covers you if a client claims you made an error that cost them money, whether that's booking incorrect dates, failing to advise on entry requirements, or recommending an unsuitable product.
Travel agents typically arrange bookings through third parties. Tour operators run their own tours and activities. Tour operators generally need broader Public Liability cover because they're directly responsible for client safety during activities. Some businesses do both, in which case the policy needs to reflect that.
Travel insurance is for travellers. It covers things like trip cancellations, medical emergencies, and lost luggage for individuals. Business insurance protects your company against claims, lawsuits, and operational risks. They're completely different products.
If you're handling client payment details, storing passport information, or using online booking systems, yes. Travel businesses are targets for data breaches because of the valuable personal information they hold. Cyber cover helps with breach response, notification costs, and any resulting claims.

Get the right cover for your travel business

Call us on 02 9000 1155 or request a quote online. We'll ask the right questions and find cover that actually fits what you do.