End Supplier Financial Failure Insurance
Safeguard against insolvency
When suppliers to travel companies fail, your business can bear the cost. This can lead to lost payments, chargebacks, and damaged consumer reputation. International Passenger Protection’s (IPP) End Supplier Financial Failure Insurance (ESFI) gives you proactive protection, providing cover against supplier failure.
This cover is the ideal enhancement to our SAFI product, including comprehensive elements of holiday travel.
Key benefits
Protection against insolvency
Helps cover the impact of the financial failure of declared non-airline suppliers – the end supplier. Examples being: hotels, rail operators, cruise providers, car hire firms and more as well as scheduled airlines.
Cover tailored to your business
Our policies are flexible and structured around the specific suppliers and jurisdictions relevant to your operations, whether UK, EU, or globally based.
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Straightforward claims process
Claiming is simple and centralised. We help ensure a smooth recovery of losses with minimal disruption to your business and your travellers.
Why work with ipp?
Part of DUAL
IPP is owned by DUAL - one of the world’s largest Managing General Agents (MGAs). This global structure offers strong financial backing, expert underwriting, and a long-term commitment to clients.
Underwritten by Liberty Mutual
Our ESFI policies are underwritten by Liberty Mutual Insurance Europe SE, one of the world’s largest insurance carriers – delivering serious financial backing and security.
30+ years experience
We’ve supported the travel industry through decades of change. Our ESFI product has evolved to meet modern risks, helping everyone from global Online Travel Agents (OTAs) to specialist tour operators stay protected.
Expert claims handling
UK and EU claims are managed by Sedgwick, the world’s leading risk and claims administrator partner. With global reach and rapid response, they’ll help get your customers and your operations back on track quickly.
targeted trades
ESFI is designed for travel agents, tour operators, online travel agents (OTAs), and travel businesses handling multi-component travel arrangements. We typically cover these arrangements:
Car ferries
Hotels
Villas abroad
Train journeys
Cottages
Coach journeys
Cruises not bonded
Car hire
Caravan sites
Campsites
Mobile homes
Camper rental
One day safaries
Excursions
Eurotunnel
Theme parks
Underwriting requirements
To issue a quote, we typically assess:
- A fully completed application form
- List of declared suppliers
- Jurisdiction and business structure
- Turnover and customer volumes
- Sales and payment model
We will work closely with you to help structure the most appropriate, efficient cover for you.
Reinsurance
We also offer Scheduled Airline Failure and End Supplier Failure (ESFI) cover via reinsurance. For more information on this, contact one of our team members.