Hotel & motel insurance, from check-in to check-out

From boutique motels to multi-site hotels, get tailored cover that protects your rooms, revenue and reputation – and a broker in your corner from quote to claim.

1800 97 98 99

Trusted by 30,000+ clients Australia-wide

We aim to answer all calls within 3 seconds

Backed by our Price Promise

Hotels, motels, serviced apartments, pubs with accommodation, resorts, boutique & independent operators, groups & franchises

Shielded Insurance industry awards and recognitions

Compare hotel & motel insurance quotes

Free, no obligation. Same-day quotes available.

Cover options you want:

4.9 from 12,000+ reviews · #1 Top Brokerage 2025

One call. Multiple quotes.

We go to market across 10+ insurers, so you can compare price and cover for your property side by side without ringing around.

Resort pool and guest rooms – hotel and motel insurance by Shielded Insurance

How do you get started?

Three steps, and we do the legwork.

1

Start a quote.

Fill the quote form above, or call us on 1800 97 98 99.

2

We compare the market.

We go to 10+ insurers and negotiate competitive terms that fit your property and operations. Same-day quotes available.

3

You're covered.

Pick the option that suits and we handle the paperwork.

Why choose Shielded

Named #1 Top Brokerage 2025, trusted by 30,000+ clients, and with you long after the policy is sold.

Hospitality specialists

We understand occupancy cycles, housekeeping risks and front-of-house exposures.

Award-winning & highly reviewed

Named #1 Top Brokerage 2025 and rated 4.9/5 on Trustpilot and 4.7/5 on Google from over 12,000 reviews.

We handle renewals

We monitor market changes and review your program at every renewal.

In your corner at claim time

Notify a claim 24/7. Our team deals with the insurer for you to help minimise downtime and protect revenue.

“The claims experience was made so easy.” – Scott B., Google review

What hoteliers say about us

Real reviews from accommodation operators and businesses we've insured across Australia.

Cover Options

Build the right protection for your property and guests. Mix and match on one quote.

Property (Building & Contents)

Fire, storm, water damage, theft and more.

Quote property cover

Business Interruption

Loss of revenue following insured damage.

Quote business interruption

Public & Products Liability

Injury or property damage to guests and third parties.

Quote liability

Glass

Internal and external glass breakage.

Quote glass cover

Machinery Breakdown

Plant and equipment including lifts and HVAC.

Quote machinery breakdown

Electronic Equipment

Computers, POS and critical systems.

Quote electronic equipment

Theft & Money

Cash on premises and theft of contents.

Quote theft & money

Management Liability

Directors & officers, employment practices and more.

Quote management liability

Cyber

Data breaches and business interruption from cyber events.

Quote cyber cover

Hotel & motel insurance at a glance

Reviewed by Joshua Scutts, Shielded Insurance Brokers · Updated October 2026 · General information only

Who needs it
Hotels, motels, serviced apartments, pubs with accommodation, resorts, boutique and independent operators, groups and franchises.
What it covers
Core covers are property (building & contents), public liability and business interruption. Many operators add glass, machinery breakdown, theft & money, electronic equipment, management liability, cyber and workers compensation.
What affects price
Property type and location, room count and occupancy, building construction, the sums insured and indemnity period you choose, and your claims history.
How we help
We compare 10+ insurers, help set sensible sums insured and indemnity periods, and manage your renewals and claims.

Frequently Asked Questions

Specialist insurance for hotels, motels and serviced apartments.

What cover do hotels and motels typically need?

Core covers include property (building & contents), public liability and business interruption. Many operators also add glass, machinery breakdown (e.g. lifts, HVAC), theft & money, electronic equipment, management liability, cyber and workers compensation.

How does business interruption work for accommodation?

Following insured physical damage, business interruption can replace lost revenue and help cover ongoing expenses and payroll while you recover. We'll help you set a suitable indemnity period and sum insured based on your occupancy and average daily rate (ADR).

Is glass cover separate to property?

Many policies treat glass as a specific section with different limits and conditions. If you have large street-front windows or shower screens across rooms, dedicated glass cover is recommended.

Do I need machinery breakdown cover?

Yes, if you rely on lifts, boilers, chillers or HVAC. Breakdown cover can pay to repair or replace equipment and may include spoilage and expediting costs.

What about cyber and guest data?

Accommodation providers process payments and store guest data, making cyber a key exposure. Cyber insurance can respond to data breaches, system outage losses, incident response and PCI costs.

How quickly can I get covered?

Usually within 24–48 hours once we have your details, and same-day quotes are often available. Call 1800 97 98 99 or start a quote and we'll move fast.

Who do I contact to make a claim?

Contact us at Shielded Insurance on 1800 97 98 99 – you can notify a claim 24/7. We recommend letting us know as soon as possible so we can guide you through the claims process and deal with the insurer for you.

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