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Hotel insurance built for modern accommodation providers
Protect your hotel, your guests, and your team with smart, tailored insurance designed for properties of all sizes, from boutique stays to multi-site operators.
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Hotel insurance made simple
upcover’s dedicated hotel insurance team delivers purpose-built protection for the accommodation and hospitality industry.
From building and contents cover to liability, guest safety, and revenue protection — we help ensure your property stays operational, protected, and prepared for the unexpected.
From building and contents cover to liability, guest safety, and revenue protection — we help ensure your property stays operational, protected, and prepared for the unexpected.
Hotels & Resorts
Cover for buildings, fit-outs, guest rooms, and common areas
Liability protection across pools, gyms, lobbies and high-traffic zones
Business interruption cover for closures caused by insured events
Motels & Motor Inns
Protection for drive-up access properties and outdoor corridors
Signage, car park, and external asset coverage
Guest injury and accidental property damage liability
Serviced Apartments & Extended Stay
Contents and electronics cover across all apartment units
Loss of rent protection for unoccupied or unavailable units
Cover for visitor and contractor incidents across shared facilities
Boutique Hotels & Guesthouses
Suitable for character buildings, heritage properties and unique designs
Seasonal occupancy and event-hosting cover options
Protection for furnishings, artwork, and premium décor
Hostels & Group Accommodation
Coverage for shared rooms, bunk beds, storage lockers, and communal kitchens
Public liability for high-foot-traffic areas
Guest damage, theft, and vandalism protection
Hospitality Venues & On-Site Facilities
Optional cover for restaurants, cafés, lounges and bars
Equipment breakdown for kitchen, cooling and service machinery
Cover for function rooms, events, and conference spaces
Comprehensive protection for your hotel
Coverage options shown below. Actual cover will depend on your policy selection and insurer. Refer to the PDS for specific details.
Property Damage Cover
Protection for your building, rooms, fixtures, furnishings, equipment, and common areas against fire, storm, impact or accidental damage.
Public & Guest Liability
Cover for injuries to guests, visitors and contractors, accidental third party property damage, and legal costs associated with liability claims.
Theft & Malicious Damage
May cover break-ins, theft of contents, guest-caused damages, vandalism and deliberate property damage.
Business Interruption
Financial protection for lost revenue and operating expenses when your hotel must close or reduce operations due to an insured event.
Removal of Debris
Costs for safe removal and disposal of damaged materials following an insured incident.
Machinery & Equipment Breakdown
Protection for essential hotel equipment: lifts, HVAC, refrigeration, laundry systems, kitchen appliances and more.
Loss of Bookings / Loss of Rent
Can cover lost income when rooms or facilities cannot be used due to damage or closures.
Glass Breakage
Can cover accidental breakage of internal and external glass at your premises, including windows, doors, shopfronts, mirrors, and balustrades.
Commonly asked questions by our customers
What is hotel insurance?
It’s a purpose-designed insurance solution for accommodation providers helping you protect your property, guests, staff, and revenue. You can review quotes, manage documents and request certificates online.
What types of properties can be insured?
We can cover a wide range of accommodation businesses including:
Hotels, motels, resorts, serviced apartments, boutique stays, bed & breakfasts, guesthouses, hostels, conference venues and mixed-use hospitality spaces.
Hotels, motels, resorts, serviced apartments, boutique stays, bed & breakfasts, guesthouses, hostels, conference venues and mixed-use hospitality spaces.
Is hotel insurance suitable for small properties?
Yes. Whether you manage a 5-room boutique stay or a large multi-site group, hotel insurance is tailored to your risk profile. The size of your property doesn’t limit eligibility.
ARE YOUR READY?
Need a certificate of insurance?
Get covered and access all your insurance documents online
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