Booking and itinerary errors
Claims from incorrect names, dates, routings or connections.
Travel Agent Professional Indemnity
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Travel Agent Professional Indemnity
Professional indemnity for travel agents, consultants and tour operators.
Travel claims are triggered by detail. A name that does not match a passport, a connection too tight to make, a visa requirement never mentioned, or a supplier that collapses with client money already paid. Professional indemnity generally responds where the way a booking was handled, or the advice given with it, is said to have caused the traveller a loss.
What is it?
Travel agents and consultants book flights, accommodation, cruises, escorted tours and corporate travel, and many now operate as home-based or mobile advisers under a host agency rather than a shopfront. There has been no compulsory licensing scheme since the Travel Compensation Fund closed, so obligations come from accreditation schemes such as ATAS, host agency agreements, supplier terms and Australian Consumer Law.
What does travel agent professional indemnity cover?
Advisory duties
Exposure where visa, passport or travel insurance information was not given.
Client funds and cyber
Payment fraud and the card and identity data held for travellers.
What affects the cost?
- Leisure, corporate or tour operating mix
- Annual transaction volume
- Whether you package and operate your own tours
- Client funds held before departure
- Claims history
Worth raising on the call
- Packaging your own tours creates operator liability well beyond agency exposure.
- Supplier insolvency is treated differently across wordings and is not automatic.
- Payment redirection fraud generally sits under cyber rather than professional indemnity.
Claims we are commonly asked about
Name does not match the passport
A ticket is issued with a shortened first name and the airline refuses boarding at check-in. The client claims replacement fares at walk-up prices, the first night of accommodation not used and the connecting transfers that fell over with it.
Visa requirement never raised
A family travelling to a destination requiring a pre-arranged visa is not told at booking and is refused entry on arrival. The claim covers return flights, the accommodation paid for and not used, and the cost of rebooking the trip.
Wholesaler collapses before departure
A tour wholesaler enters administration weeks before a group departure and the deposits are gone. Clients look to the agent who took their money, and how the wording responds to supplier insolvency becomes the whole question.
Worth confirming in the wording
- Worth confirming whether supplier or wholesaler insolvency is addressed at all, because it is treated very differently from one wording to the next.
- Worth confirming how client money held in advance of departure is treated, and whether a separate fidelity or funds section is needed alongside professional indemnity.
- Worth confirming whether tours you package and operate yourself sit inside the insured business or require separate tour operator liability.
Common questions
Do I need a licence to be a travel agent in Australia?
There has been no compulsory national travel agent licensing scheme since the Travel Compensation Fund closed. Obligations now come from accreditation schemes such as ATAS, host agency agreements, supplier terms and Australian Consumer Law, and several of those set their own insurance requirements.
Does my professional indemnity cover the client's cancelled trip?
Generally not. A traveller's own cancellation, medical or baggage loss is what their travel insurance is for. Professional indemnity typically responds where the client says the way you handled the booking or the advice you gave caused the loss, subject to the policy terms.
Do I still need it if I work under a host agency?
It depends on the host's arrangement. Some host agencies extend cover to affiliated advisers and some do not, and where they do, the terms and limit may be narrower than you expect. It is worth asking for the certificate and confirming in writing whether your trading name is actually named.
What does travel agent professional indemnity cost?
It depends on the business rather than a set price. The main drivers are your leisure, corporate and tour operating mix, annual transaction volume, whether you package your own tours, the level of client funds held before departure, and your claims history.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See professional indemnity insurance for the wider picture.
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