Home workers
For home-based travel professionals arranging travel for customers, whether working independently or as part of a network or franchise.
Tailored solutions to meet your needs.
black and white advice that removes the guesswork.
Trusted by leading travel enterprises
Clear coverage. Zero guesswork.
Find insurance products designed for home-based travel businesses.
Trusted travel protection tailored to the needs of your business
Working with the team is always straightforward and helpful, with a real focus on getting things sorted quickly when needed
FAQs for Home Workers
Here are some answers to common questions about our specialist travel protection, claims support, and services for Home Workers.
What insurance does a homeworker need?
A homeworker will typically need insurance that reflects the advice given, the bookings arranged and the services provided. This will often include Travel Agent Liability Insurance to cover Public Liability and Professional Indemnity. Other cover, such as Legal Expenses Insurance or Cyber Insurance, may also be relevant depending on how the business operates.
Do homeworkers need their own Professional Indemnity insurance?
In many cases, yes. A homeworker may still need their own Professional Indemnity insurance, particularly where they advise clients, arrange bookings or work on a contracted basis for another travel business, including overflow support. It is designed to help protect against claims arising from errors or omissions in the services provided.
Why would a homeworker need cyber insurance if they do not use a booking website?
Even without a booking website, many homeworkers still rely on email, shared systems, payment processes and customer data to run the business. Cyber risks can arise from phishing, hacked email accounts, data breaches, fraudulent payment requests or disruption to day-to-day operations.
What if I put together bespoke travel packages for clients?
If you put together bespoke travel packages for clients, your insurance should reflect that part of your business as well as your agency activity. That may mean including Tour Operator Liability (TOL) to cover the additional risks that can come with packaging travel.
Why would a homeworker need Legal Expenses cover?
Legal Expenses cover can help with a range of legal costs that may arise in running a home-based travel business. This can include contract disputes, disputes with customers that fall outside liability insurance, and HMRC investigations, giving wider support beyond the core liability covers.
