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Hotel Insurance Online

If you want the best value-for-money Insurance rates and options for your Hotel business, you are definitely in the right place. At Restaurant Insurance Online, we help you compare Hotel Insurance policy offers and quotes from a comprehensive range of Australia's leading and best rated Hotel Insurance companies and specialist brokers!

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

  • Best Rates
  • Multiple Insurers
  • Compare Options
  • Personal Advice
  • Professional Service
  • Tailored Cover
Your free hotel insurance quote comparison starts here!
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All quotes are provided free and without obligation. We respect your privacy.

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

Hotel insurance is essential for safeguarding your property and ensuring business continuity in the face of unexpected events—from property damage and guest injuries to operational interruptions. With the right coverage in place, you can focus on delivering exceptional guest experiences while we help secure your business.


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Best rates

Simply complete our short online quote form to access the best hotel insurance rates available—covering everything from property and liability protection to specialized risks unique to the hospitality industry.


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Compare Options

Every hotel is unique. We help you compare features and benefits—not just price—to ensure you receive the best value protection tailored to your property’s needs.


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Multiple Insurers

Submit your online quote request, and we’ll instantly match your details with over 1000 insurance professionals competing to offer you the best coverage for your hotel.


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Hotel Insurance Articles

Claims Made Simple: What to Expect When Filing Hotel Insurance Claims 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 Training in Minimising Liability for Hotel Operators 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
The Importance of Risk Assessment in Tailoring Your Hotel’s Insurance Coverage The Importance of Risk Assessment in Tailoring Your Hotel’s Insurance Coverage
Risk assessment is a fundamental process in evaluating potential exposure to financial losses and liabilities in the hospitality industry. It involves identifying, analyzing, and evaluating risks that could impact hotel operations. By understanding these risks, hotel operators can tailor their insurance policies to provide comprehensive coverage and mitigate potential payouts. - read more
The Role of Business Interruption Insurance in Sustainable Hotel Operations 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 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

Insurance News

Kell to Lead Comprehensive Review of Australia's Life Insurance Code Kell to Lead Comprehensive Review of Australia's Life Insurance Code
01 Aug 2025: Paige Estritori

Starting on October 1, a comprehensive review of the voluntary Life Insurance Code of Practice will commence, with a focus on assessing the effectiveness of revisions made to its regulations and standards in 2023. The Council of Australian Life Insurers (CALI) has appointed Peter Kell to lead this independent review and deliver the final report by June 30 next year. - read more
AFCA Sides with Insurer in Pet Injury Dispute AFCA Sides with Insurer in Pet Injury Dispute
31 Jul 2025: Paige Estritori

The Australian Financial Complaints Authority (AFCA) has upheld PetSure's decision to cap their payout at $2,600 for a dog's medical costs, settling a dispute over pet insurance claims. The dog's accidental injury involved a ruptured cranial cruciate ligament, requiring approximately $6,500 in veterinary care, including surgery. Although the owners' claim was initially accepted, it was limited under the policy's annual sublimit for cruciate ligament conditions. - read more
Reviving Australia's Troubled Insurance Industry: Opportunities and Challenges Reviving Australia's Troubled Insurance Industry: Opportunities and Challenges
30 Jul 2025: Paige Estritori

Australia's retail life insurance sector is facing significant challenges despite generating approximately $9.4 billion in annual premiums. Upon closer examination, it's evident that this industry is under strain. Growth is primarily driven by price increases rather than the addition of new clients, signalling concerns for long-term sustainability. New business growth hovers around 8-9% annually, not enough to adequately bolster the sector. - read more
NSW Government Warns of Financial Impact from Stall in Workers' Compensation Reform NSW Government Warns of Financial Impact from Stall in Workers' Compensation Reform
29 Jul 2025: Paige Estritori

The New South Wales government has issued a stark warning regarding potential financial consequences if proposed reforms to workplace mental injury laws are delayed further. As an upper house committee gathers to discuss these changes, Treasurer Daniel Mookhey highlights the urgency, stating that setbacks will result in increased premiums. - read more
AFCA Rejects Traveller's Insurer Claim for Alternative Flight Costs AFCA Rejects Traveller's Insurer Claim for Alternative Flight Costs
25 Jul 2025: Paige Estritori

An Australian travel insurance policyholder faced disappointment as the Australian Financial Complaints Authority (AFCA) denied their claim for reimbursement of costs incurred due to changing travel plans amid threats of a pilot strike. The traveller, who rearranged his flights from Sydney to Vancouver and subsequently to Toronto, had hoped his insurer, AIG Australia, would cover the $5,576 expenses for the rebooked flights and additional accommodation. - read more

Your free hotel insurance quote comparison starts here!
First Name:
Postcode:

All quotes are provided free and without obligation. We respect your privacy.

Knowledgebase
Double Indemnity:
A clause or provision in a life insurance policy that doubles the payout in cases of accidental death.

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