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Hotel exterior at dusk representing ISR insurance for hotels motels and hospitality venues

ISR Insurance for Hotels, Motels and Hospitality Venues

Industrial Special Risks cover for accommodation properties, hospitality venues, and tourism assets. Comprehensive protection for complex hospitality operations.

ISR

Specialist

All Risks

Cover Basis

15+

ISR Markets

Recognition

Industry Awards

Hotels and hospitality properties combine high building values with complex operations. ISR provides the all-risks cover and capacity these assets need when standard products fall short.

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Why Standard Products Fall Short

Hotels, motels, and hospitality venues are among the more complex ISR placements. You've got accommodation, food service, liquor licensing, conference facilities, pools, and car parks - all under one roof. Standard commercial property products struggle with this mix.

BI is Different for Hospitality

The business interruption calculation alone is complicated. Seasonal revenue, event bookings, advance reservations that need refunding, staff who need paying during rebuild - BI for hospitality is different from a warehouse or office. Add in heritage buildings, regional locations, or flood and cyclone zones, and it's easy to see why these properties often end up in ISR markets.

ISR Resources

ISR Cost Guide ISR Claims Guide ISR vs Business Pack How ISR Policies Work

WHY ISR FOR HOSPITALITY

What makes hotels and hospitality an ISR risk

Hospitality properties combine accommodation, food and beverage, entertainment, and event operations under one roof. ISR underwriters have the capacity and appetite to cover this complexity when standard products can't.

Hotel lobby and common areas representing complex hospitality operations

01

Complex Operations Under One Roof

Accommodation, food service, beverage, entertainment, and event operations all create a risk profile too complex for packaged products. ISR underwriters assess the full operation rather than declining on individual components.

02

Seasonal Business Interruption

BI calculations for hospitality need to account for seasonal peaks, advance bookings, occupancy patterns, and the time it takes to rebuild guest numbers after reopening. Standard BI formulas don't capture this.

03

Heritage and Older Buildings

Many hotels are heritage-listed or older construction, which limits standard insurer appetite. ISR underwriters can accommodate the higher rebuild costs and longer timelines that heritage reinstatement requires.

04

Geographic Exposure

Coastal, regional, and flood-zone locations are common for tourism properties. ISR underwriters assess these natural hazard exposures individually rather than applying blanket exclusions or prohibitive excesses.

RISK PROFILE

Key Risks for Hotels, Motels and Hospitality Venues

Hospitality properties create specific exposures that drive ISR underwriting decisions. Understanding your risk profile helps us present your property to the right markets.

Kitchen fire from commercial cooking operations
Guest injury in rooms, common areas, or pool facilities
Storm or cyclone damage to large roof structures
Flood damage to ground-level accommodation and reception
Liquor licensing and late-night venue risks
Machinery breakdown in HVAC, lifts, and commercial kitchen equipment
Heritage building restrictions on repair and rebuild
Loss of advance bookings and seasonal revenue during reinstatement

Every hospitality property has a unique risk profile. We prepare detailed submissions covering construction, operations, fire protection, and location so ISR underwriters can assess your property properly.

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COVERAGE DETAILS

What ISR Covers for Hospitality Properties

ISR works on an all-risks basis - rather than listing what's covered, it lists what's excluded. This typically provides broader protection than standard named-perils products.

Hotel interior with accommodation and hospitality facilities
Hotel interior with accommodation and hospitality facilities

Usually Covered

✓ Building and contents on an all-risks basis
✓ Business interruption including loss of revenue
✓ Loss of advance bookings and deposits during reinstatement
✓ Machinery breakdown for commercial kitchens, HVAC, and lifts
✓ Glass breakage across lobby, restaurant, and guest areas
✓ Theft and malicious damage to insured property
✓ Temporary accommodation costs during rebuild

Not Typically Covered

✕ Guest personal belongings (guests need travel insurance)
✕ Liquor liability (arranged separately under liability cover)
✕ Food safety claims (public liability covers this)
✕ Wear and tear, gradual deterioration, or maintenance issues
✕ Asbestos removal or environmental contamination cleanup
✕ Intentional damage by the insured or known pre-existing issues

ISR is a property-only policy. We arrange public liability, management liability, and other liability cover separately to sit alongside your ISR, giving you comprehensive protection without gaps.

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QUESTIONS

Hotel and Hospitality ISR Insurance FAQs

Hotels combine accommodation, food service, entertainment, and sometimes conference facilities. Standard products struggle with this mix of operations, especially when building values exceed $5M or the location adds natural hazard exposure. ISR provides the capacity and flexibility to cover the full operation. ISR underwriters assess each property individually rather than applying one-size-fits-all rules.
Hospitality BI is more complex than most property types. It needs to account for seasonal revenue patterns, advance bookings that need refunding, staff costs during rebuild, and the time it takes to rebuild occupancy rates after reopening. ISR policies can be structured with appropriate indemnity periods and seasonal adjustments.
Yes. Many hospitality properties are in coastal or regional locations with natural hazard exposure. ISR underwriters can assess these risks individually rather than applying blanket exclusions. Flood and cyclone cover can be included as endorsements, with excesses and sub-limits tailored to the actual exposure.
Heritage buildings have specific rebuild requirements that increase costs and timelines. ISR can accommodate heritage reinstatement requirements in the sum insured and policy terms. Getting the valuation right is especially important for heritage properties because the gap between standard rebuild cost and heritage reinstatement can be significant.
Commercial kitchen equipment, HVAC systems, lifts, and laundry equipment are covered under the machinery breakdown section of an ISR policy. This covers sudden mechanical or electrical failure, not wear and tear.
No. ISR is property-only. We arrange public liability, management liability, and any other liability covers separately to sit alongside your ISR. This is standard for hospitality properties where the liability exposures are significant and need their own dedicated cover.

Need ISR Cover for Your Hospitality Property?

From boutique hotels and regional motels to large resort complexes. We place ISR cover for the hospitality properties that standard insurers can't or won't insure.

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Expert Review: 06/04/2026

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