Running a hotel, motel or B&B is all about service. So, when things go wrong your client expects that same level of service from their insurance provider.

Insurance coverage is important for the peace of mind of any business owner, particularly in the accommodation sector. Business owners take on greater risk by assuming responsibility for others residing in their property. It is therefore imperative that any business operating in this industry be covered for things like public and product liability, fire and storm damage, theft, and even malicious damage.

We cover short-term accommodation providers, including:

  • Motels
  • Motels with restaurant, function, and pool facilities
  • Bed and breakfasts
  • Free-standing Airbnb and Stayz
  • Serviced apartments
  • Student accommodation
  • Holiday cabins with non-combustible construction

Key eligibility criteria:

  • The business is a motel or similar occupation with the prime purpose of providing short-term accommodation
  • The premises are made of brick or concrete
  • All rooms are fitted with a hard-wired smoke detector that complies with all relevant regulations
  • Swimming pools or spas must be fenced with signage that meets Australian Standards

Our commitment to you:

  • Direct access to our specialty underwriters
  • Guaranteed quotation response within 24 hours with the use of our online quote facility
  • A statement of fact document provided for each application so you have a full record of what you told us
  • Variable commission levels with 15% commission as standard
  • Local claims handling specialists

Excluded Activities/Exposures:

  • Properties with a function or convention centre where turnover from these activities is more than 30% of the client’s total turnover
  • No on-site management
  • Resort-style accommodations where the client conducts any form of organized outside recreational activity
  • Properties located on offshore islands
  • Properties located above the 26th parallel
  • Properties located above the snow line
  • Properties located with direct beach frontage


Please note we can consider excluded activities/exposures by utilising our global network, please contact us on +1300 556 826 or for more information.