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This covers your business as a travel company, in the event of an action being brought against your company following bodily injury or sickness to third parties including customers and employees, plus Professional Indemnity (mistakes).

MPI Brokers have access to the main markets who provide this insurance and therefore are able to research the market on your behalf to obtain the most suitable terms for your travel business.

There are four areas in this type of insurance...

Public Liability Insurance

This protects your company’s liability to the public (which includes your customers), should your company cause injury to a third party or damage to someone else’s property.

Employers' Liability Insurance

This insures your company against claims brought by employees for sickness and injury. It is a legal requirement under the Employers' Liability (Compulsory Insurance Act 1969) to hold a certificate of insurance, which must be displayed on your company notice board.

Professional Indemnity Insurance

This insures your company if a mistake is made causing financial loss to a customer for which you are held legally liable.

Products Liability Insurance

This covers your liability for personal injury or damage arising from the supply of goods, for example hired sports equipment.

Each of the above will protect your company if it is held to be negligent and this can be proved by a claimant (previously known as the plaintiff).

The above is a very brief synopsis of the insurance(s) so you must always read the policy wording carefully to establish the extent of cover, especially if you manage properties.

To obtain terms:

click here to download a Proposal Form.

Example Liability Cases

Jarvis V Swan Tours Limited

Jarvis V Swan Tours Limited Contractual dispute Holidays are contracts for enjoyment Liable for lack of enjoyment Mr Jarvis was a Solicitor, who loved to Ski. Each year he took his two weeks holiday over winter in order to go to the Alps, rather than go away in the summer. He was particularly taken with a holiday advertised by Swan Tours Ltd. Two weeks in Morlialp, Switzerland over Christmas, staying in the Hotel Krone with 12 days ski hire. Swan Tours advertised the Hotel as: ‘House Party Centre with special resident host...Its own Alphutte Bar open several evenings a week...Welcome party on arrival, Afternoon Tea and Cake for seven days, Swiss dinner by Candlelight, Fondue Party, Yodler Evening...Mr Weibel, the charming owner, speaks English... Service of a Representative’ ‘No doubt you will be in for a great time, when you book this House-Party holiday’ Needless to say things did not go to plan. The first week of Mr Jarvis’ holiday he was one of a house party of 13. The second week he was a party of 1, staying in Read More

Wilson V Best Travel Ltd

Implied term in contract Reasonable skill and care Local standards applicable (mostly) Mr Wilson and his fiancé and his fiancé’s family went on a holiday to Kos in Greece, booked through Best Travel. On the first full day of their stay the group gathered in one of their hotel rooms to discuss their plans for the day. At some point during the stay Mr Wilson appears to have tripped and fallen into the patio door. The patio door was glazed with 5mm thick glass, but not safety glass as it would have been in England. The glass shattered and Mr Wilson fell through the door, and suffered serious injuries and lacerations from the glass. On his return Mr Wilson brought a claim against Best Travel. He claimed that by not checking the Hotel complied with British safety standards Best Travel were in breach of the implied contractual obligation to provide the service with reasonable skill and care. During the trial it became clear that whilst the 5mm glass fitted to the door did not meet British safety standards, it did Read More

Club-Tour V Garrido

Definition of a ‘Package’ ‘prearranged’ covers both ‘brochure’ holidays and tailor made combinations This was a Portuguese case that was referred the European Court of Justice for an answer on how a ‘Package’ should be defined for the purposes of the Package Travel Regulations (the 1990 version, rather than the updated version due to come into force). Simply put Mr Garrido booked a holiday to Greece with Club-Tours. He picked where he wanted to stay, and when he was going, as well as the travel arrangements he wanted. Club-Tours then put together the separate components and Mr Garrido booked it. When Mr Garrido and his family arrived at the village in Greece they had booked to stay in, they found it was infested with wasps. He contacted Club-Tours who in turn contacted Club Med, who they had purchased the accommodation from that they then sold to Mr Garrido. Club Med were not in a position to offer alternative accommodation, and so Mr Garrido and his family had to stay in the village, which needless to say had a rather detrimental Read More

Emma Moore V Hotelplan Limited T/A Inghams Travel and Mr Adriano Tantera

Holiday company can be responsible for excursions Need to be explicit who customers are contracting with for excursions. In 2007 Mrs Moore went on a Skiing holiday with her husband and some friends. The group booked a holiday to Passo Tonale in Italy with Inghams. When the group arrived in the resort, the Inghams rep, Ms Hodges, met them and provided them with an initial briefing and welcome pack, detailing the extra excursions and activities that were available. One of these activities was ‘Skidoo Sensation’ which was a snowmobiling trip around the resort. Mrs Moore and her group decided to book this trip and duly met with Ms Hodges and paid the fee to her. When the evening of the trip arrived they met Ms Hodges in the Hotel lobby, who took them to the Garage used by Mr Tantera, the operator of the excursion. Once they arrived Ms Hodges handed out liability disclaimers to the people going on the excursion and asked them to sign them. Mr Tantera then gave a briefing to each member of the party regarding Read More

Hone V Going Places Leisure Travel

Liability under Package Travel Regulations Responsible for acts and omissions of suppliers Terms implied into contracts Mr Hone, his fiancee, his brother and his sister-in-law booked a holiday with Going Places to Turkey for 14 nights. The group went on holiday, and presumably had a pleasant 2 weeks in the sun. On the trip home the group were on a flight operated by a Turkish Airline. Part way into the flight there was a bomb scare and the pilot decided to divert into Istanbul. The passengers were told to prepare for an emergency landing, after which they would leave the plane by way of the emergency slides. When Mr Hone got to the top of the slide he noticed a woman at the bottom of the slide, who was described in court as ‘a large lady’. As Mr Hone was descending the slide, he realised the lady was stuck so he ‘opened his legs wide enough to avoid striking her back, but he collided with her’. His fiancée had followed him down the chute and the heel of her shoe Read More
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