The association became travel's third "approved body" this summer after three years' work, the others being Abta and Abtot. Approved bodies are authorised by government under the Package Travel Regulations to provide protection.
Aito said the scheme, Aito Financial Protection Services Ltd (AFPS), was created in response to feedback from members, who sought more specialised protection designed for SMEs.
AFPS director Christina Brazier, who is also Aito's head of industry affairs, hailed the launch "an important step forward for Aito and its members".
