Our Embedded
Insurance Solutions

TMU Management is a specialist provider of embedded, data-driven insurance solutions for payment institutions. Our intelligent risk management products integrate seamlessly with your financial operations, creating confidence at every stage of the customer journey.

Acquirer Chargeback
Insurance

cover against chargebacks arising from merchant insolvency and non-delivery of goods or services

Card issuing
settlement

Cover against settlement default by counterparties in card transactions reducing capital exposure

What are the benefits?

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Bespoke. Always.

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Embeds into your systems

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PTR Compliant from day one

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Real-time monitoring

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A genuine partner

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Frequently asked questions

Yes. TMU Management provides bespoke insurance and financial protection solutions designed exclusively for the travel industry. We support clients with SFI and SAFI cover, Financial Failure Insurance (FFI), bonds and pipeline funds protection, ensuring full compliance with the Package Travel Regulations. Each solution is tailored to your business model, giving you the exact cover you need without unnecessary costs.

Our insurance solutions are designed to integrate directly into your operations and payment flows. This means protection is applied automatically in real time, without adding manual processes or slowing down customer bookings. By embedding cover at the point of transaction, we reduce risk across the entire customer journey, from booking through to travel completion.

We work with every kind of travel business, including tour operators, travel agencies, OTAs, homeworking groups, airlines, cruise operators, activity providers and travel technology platforms. Whether you are handling consumer bookings, managing supplier payments or running complex international operations, we provide tailored insurance to safeguard your business.

No. TMU looks at your operations as a whole to identify exposures you may not even be aware of. In addition to protecting pipeline funds, we cover risks across SFI, SAFI, FFI and bonds, as well as wider vulnerabilities in your commercial chain. By anticipating hidden risks, we provide comprehensive protection that goes beyond the obvious and helps ensure long-term resilience.