Specialist insurance designed to protect accommodation properties, guest liability risks and income streams for operators across Australia.
Accommodation Insurance is a specialised form of business insurance designed to protect properties used for short-term or long-term accommodation. It provides cover for physical assets, liability risks and loss of income arising from insured events that disrupt operations or expose owners and operators to guest-related claims.
Unlike standard commercial property or landlord insurance, accommodation insurance recognises the unique risks associated with hosting guests — including frequent turnover, shared facilities and public access — and offers tailored protection for accommodation businesses.
Accommodation Insurance is commonly arranged by:
Covers buildings, fit-outs, furnishings, fixtures and equipment against insured events such as fire, storm, impact and malicious damage.
Covers claims arising from injury to guests or damage to third-party property occurring on the premises or in connection with accommodation services.
Provides protection for lost revenue if the accommodation cannot operate following insured property damage.
Covers loss or damage to guest property in your care, custody or control, subject to policy terms.
Accommodation Insurance is typically structured as a packaged policy combining property, liability and income protection under one policy.
Sum Insured on a full replacement basis, optional business interruption with tailored indemnity periods. Limits and sub-limits reflect guest capacity, occupancy type, and accommodation style to ensure appropriate protection.
Guest-related liability claims can be severe
Property damage can immediately disrupt income streams
Standard landlord or commercial policies may exclude accommodation use
Often required by booking platforms, financiers or management agreements
Protects asset value, cash flow and reputation
Speak with a broker who understands accommodation risk.
Get My Accommodation Insurance QuoteImportant: Accommodation Insurance requires full disclosure of usage, including short-stay letting, Airbnb activity and shared facilities. Wear and tear, poor maintenance and unapproved occupancy changes may not be covered. Policy terms, definitions and exclusions vary significantly. Advice from a Seguro insurance broker is recommended.