About
TMU Management

At TMU, we do more than provide insurance. We enable businesses to grow securely, adapt to change, and protect their reputation. From our roots in travel to our expanding portfolio across payments and FX, our goal remains the same: to embed confidence at the heart of your operations.

Who We Are

TMU Management (TMU) is a specialist Insurance Managing Agent providing credit risk insurance solutions that strengthen businesses in travel, payments, and foreign exchange.

We began by focusing on the travel industry, where we remain the leading provider of credit risk insurance, safeguarding pipeline funds and helping companies meet acquirer and regulatory requirements. Building on this expertise, we now deliver equally robust solutions for payment institutions and FX brokers, helping them operate securely in high-volume, high-risk environments.

Our Mission

Our embedded insurance solutions give clients clear advantages. This approach ensures clients are not only protected against risk but also better positioned to serve their own customers with confidence and stability.

🚨

Real-time risk control

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🔗

Seamless integration

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📈

Scalable cover

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🧾

Regulatory confidence

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Industry Challenges We Overcome

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Item One

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Item Two

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Item Three

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The Solutions We Provide

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Travel Technology Platforms

Travel technology platforms sit at the heart of the modern travel industry, powering bookings, payments, and customer interactions for agencies, operators, and consumers worldwide. As the backbone of distribution, these platforms manage complex flows of funds and data, often handling high transaction volumes across multiple markets and currencies.

Homeworking Groups

Homeworking groups are one of the fastest-growing sectors in travel. With distributed agent networks operating under a central brand, they bring flexibility, local knowledge, and personal service to travellers. But they also face unique challenges: ensuring compliance across multiple agents, safeguarding client funds, and maintaining consistent protection and consumer confidence.

Online Travel Agencies (OTAs)

Online Travel Agencies (OTAs) sit at the centre of the modern travel industry, managing high volumes of bookings across multiple suppliers, destinations, and currencies. This scale brings opportunity, but it also brings exposure. With such complex operations, even one supplier default or system breakdown can trigger major financial and reputational consequences.

Travel Agencies

Travel agencies play a pivotal role in connecting customers with tour operators, airlines, cruise lines and other suppliers. With so much responsibility for client money and the customer journey, the risks can be significant. From supplier insolvency to regulatory obligations, even a single failure in the chain can put your reputation and operations at risk.

Tour Operators

Tour operators face unique risks that extend far beyond day-to-day operations. From managing customer funds to handling supplier contracts, your business sits at the centre of a complex financial ecosystem. Without robust protection, one unexpected disruption can threaten your ability to deliver holidays, meet compliance requirements, or maintain customer trust.

Airlines

Airlines operate in one of the most complex and highly regulated sectors of the travel industry. With millions of passengers, advance ticket revenues, and strict compliance requirements, the financial and operational risks are substantial. From safeguarding ticket sales to meeting licensing obligations, airlines need robust protection in place to maintain confidence across passengers, regulators, and commercial partners.

Cruise Operators

Cruise operators manage some of the most complex businesses in the travel industry, combining high-value advance bookings, global supplier arrangements, and strict compliance obligations. With ships often scheduled years in advance, significant sums are collected long before passengers travel, creating exposure to financial and operational risks.

What are the results?

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0 Billion

In pipeline funds protected across travel payments.

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0%

Recovery Rate

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