Hotel Insurance Solutions In Australia: Compare Rates & Options

We help you find the right cover at the best rates!

What Does Hotel Insurance Cover?

Hotel insurance is tailored to protect hotel owners, operators, and staff from the unique risks associated with the hospitality industry. Whether you run a boutique inn or a large resort, this comprehensive coverage safeguards your business against property damage, liability claims, and disruptions that can impact your revenue and reputation.

Our specialist brokers assess your venue’s specific risks and craft a policy that ensures you’re fully protected.

Key Coverage Areas:

• Property Damage: Protection against losses from fire, natural disasters, vandalism, and theft.
• Business Interruption: Coverage to replace lost income during unexpected closures or renovations.
• Public Liability: Financial protection against claims arising from guest injuries or accidents on your premises.
• Equipment Breakdown: Safeguard for essential systems like HVAC, kitchen equipment, and elevators.
• Liquor Liability: Coverage for hotels serving alcohol, protecting against claims related to alcohol consumption.
• Cyber Liability: Protection for data breaches or cyber incidents impacting guest information.

Need hotel insurance? Speak with a specialist broker today to secure the right coverage for your property.

How Much Does Hotel Insurance Cost?

The cost of hotel insurance depends on several factors, including the size and value of your property, location, guest capacity, and the range of amenities you offer. Premiums can vary from a few hundred dollars for smaller hotels to several thousand dollars for larger resorts with extensive facilities.

Factors That Affect Your Premiums:

• Property Size and Value: Larger or high-value properties generally attract higher premiums.
• Location: Areas with higher risks of natural disasters or crime may see increased rates.
• Claims History: A record of past incidents or claims can impact your costs.
• Coverage Limits and Deductibles: The level of protection you choose directly influences premium amounts.
• Operational Complexity: The range of services and amenities provided by your hotel can affect risk assessments.

Looking for competitive pricing? Our expert brokers provide tailored quotes to ensure you get the best protection without overpaying.

Is Hotel Insurance Mandatory?

While comprehensive hotel insurance may not be legally mandated in every jurisdiction, many local councils and industry regulations require certain types of coverage—such as public liability and property insurance—to operate safely and responsibly. Even if not compulsory, robust hotel insurance is strongly recommended to protect your business against unforeseen incidents.

Common Coverage Requirements Include:

• Public liability insurance
• Property damage and business interruption coverage
• Liquor liability (if applicable)

Unsure of what your hotel needs? Our licensed brokers can guide you through regulatory requirements and help you select the right level of protection.

Why Choose Us?

• Access to Specialist Brokers: Receive tailored advice from experts who specialize in hotel and hospitality insurance.
• Compare Competitive Quotes: Find coverage that meets your unique needs without overpaying.
• Quick and Easy Process: Answer a few simple questions, and we’ll connect you with a broker who understands your industry.
• Get a Quote Today: Secure comprehensive, customized insurance coverage that protects your hotel from every angle.

Hotel Insurance Articles

Clear

Disability Income Protection: What Every Hotel Operator Needs to Know

Running a café is a rewarding yet challenging endeavor. With the hospitality industry being fast-paced and ever-changing, café owners often face unique financial challenges. Operating in an industry that is both physically demanding and unpredictable can sometimes lead to unforeseen circumstances that affect the stability and success of your business. - read more

Claims Made Simple: What to Expect When Filing Hotel Insurance Claims

Running a hotel is a complex operation that involves many moving parts. From welcoming guests to maintaining the property, there's a lot to manage. One critical aspect that often flies under the radar is hotel insurance. This form of insurance plays a crucial role in safeguarding your business from unforeseen events that could disrupt operations or impact your financial health. Whether it's damage from natural disasters or unexpected liabilities, insurance is your safety net. - read more

The Role of Business Interruption Insurance in Sustainable Hotel Operations

Business interruption insurance is a policy that covers the loss of income a business suffers after a disaster. While property insurance covers the physical damage to a business, business interruption insurance covers the profits that are lost. It ensures that a company's revenue stream can continue even if its operations are halted due to unexpected events. - read more

A Cybersecurity Guide for Hotel Operators

With an ever-expanding digital landscape, the importance of robust cybersecurity measures in the hospitality industry cannot be overstated. As technology continues to evolve, so too do the threats that target the vulnerabilities within hotel systems. This has made cybersecurity a top priority for hotel operators. - read more

The Role of Training in Minimising Liability for Hotel Operators

Operating a hotel is not just about offering great services and hospitality. It also involves understanding and managing various types of liability risks. Liability in the hospitality industry can arise from numerous situations, and being unaware of these can potentially expose hotel operators to significant legal issues and financial losses. - read more

Insurance News

Clear

Australian Life Insurers Report Significant Profit Increase in June 2025 Quarter

26 Dec 2025: Paige Estritori

The Australian life insurance sector has reported a substantial after-tax profit of $360 million for the June 2025 quarter, marking a significant increase from the $116 million recorded in the same period the previous year. This impressive growth is primarily attributed to a sharp rise in investment income and improved underwriting performance across key product lines. - read more

Rising Mental Health Claims Impact Australian Life Insurance Industry

26 Dec 2025: Paige Estritori

The Australian life insurance industry is witnessing a significant surge in mental health-related claims, reflecting broader societal challenges and increasing awareness of mental health issues. AIA Australia, a leading life insurer, has reported that mental health claims now account for 23% of its total claims, up from 15% in 2014. This trend underscores the growing prevalence of mental health conditions and their impact on individuals' ability to work and maintain financial stability. - read more

Decline in Australian Life and Income Protection Insurance Premiums

26 Dec 2025: Paige Estritori

Recent data indicates a notable decline in life and income protection insurance premiums across Australia, providing consumers with more affordable coverage options. According to the latest Direct Life Insurance Report from Rainmaker Information, direct life premiums have decreased by 7% since 2024. Similarly, direct income protection premiums have seen significant reductions, with average premiums for waiting periods of 30 days and 90 days decreasing by 12% and 13%, respectively. - read more

Club Marine Marks 65 Years of Leadership in Australian Boating Insurance

26 Dec 2025: Paige Estritori

Club Marine, Australia's largest recreational boat insurer, is celebrating its 65th anniversary in 2024. Since its founding in 1959 as Marine Hull & Liability, the company has grown from a small operation in Victoria to a nationwide provider of insurance services for the country's boating community. - read more

IAG's Strategic Moves Propel Profit Forecast Upward

26 Dec 2025: Paige Estritori

Insurance Australia Group (IAG) has recently announced an optimistic upgrade to its financial guidance for the fiscal year 2026, projecting a 10% increase in gross written premium (GWP) and an insurance profit ranging between $1.55 billion and $1.75 billion. This positive outlook is largely attributed to strategic acquisitions and a focus on digital transformation. - read more

Click for more Insurance News

Your free hotel insurance quote comparison starts here!

First Name:

Postcode:

All quotes are provided free and without obligation by a Specialist from our National Broker referral panel. See our Privacy Statement for more details.

Knowledgebase

Umbrella Policy:
An additional insurance policy that provides extra liability coverage beyond the limits of the insured's primary policies.