Or Call 1300 836 028
Mon – Fri 8:30am - 5:30pm AET

Why do hotels need insurance?

If you’re running a hotel, you’ve probably perfected the art of making your guests feel welcome. From the services and activities you offer, to every little finishing touch, you do a lot behind the scenes to make your customers experience as pleasant as possible. However, in the operation of your hotel, there are many things that could go wrong that could lead to significant financial difficulty for you. Whether a client alleged your negligence caused them an injury, or a storm caused damage to your premises, events such as these can quickly escalate and bring with them unexpected burden. It’s therefore important you consider insurance for your hotel to ensure you can keep the lights on even if you do experience such events.

Why choose Aon for Insurance?

Aon is committed to making life easier for Hotels. When it comes to protecting your business with the right cover, it’s worth being with a broker who understands the risks commonly faced by your sector.

Endorsed by many of Australia’s leading hotels associations, Aon has taken the time to understand the ins and outs of the hotel industry, working with insurers to design cover that caters to the common needs of hoteliers.

With 30 years of experience in the hotels sector, and over 1,400 hotel clients nationally, our team of friendly experienced brokers will take the time to talk everything through to ensure all your essentials are covered.
Approved by many of Australia’s leading hotels association, we understand the challenges of this sector and work hard to make sure your hotel is protected.

What insurance do Hotels need?

Public Liability
Public Liability Insurance helps protect your business against liability for third-party personal injury or property damage arising out of your business activities. For example, if a customer or visitor was to slip and fall while on your business premises, you would look to this policy to cover the claim.1

While these events may seem rare, if they do occur, the financial impacts can be very significant. As a hospitality business, your business likely has significant interaction with customers, therefore Public Liability is a crucial cover to consider for your business.
Business Insurance
Business Insurance is designed to protect your business and its assets (including equipment) against certain unexpected events. Business Insurance is made up of a number of cover sections, and you can choose the sections that relate to your business. For example it can include cover for damage to business premises and/or equipment caused by fire, storm, theft and other insured events. Cover is also available for damage to money (if you keep cash on premises), and machinery or equipment breakdown (often critical for poker machines).1  

A key part of this policy is Business Interruption, which can provide protection for lost revenue in the event your business is unable to operate as usual due to an insured peril.
Cyber Insurance
Cyber insurance provides cover for financial loss suffered as a result of a cyber attack. This can include phishing, malware and ransomware as well as simply breaching a customer’s privacy (e.g. if you lose/misplace customer contact information).This data may make you a very lucrative target for cyber criminals. 1
Prize Indemnity
Prize Indemnity insurance covers your liability to pay a prize to a third party, allowing you to insure against the risk of the prize your business is promoting at your event, venue or as part of a competition being won. 1

Frequently Asked Questions
Here are answers to some commonly asked questions by Hotel owners.
How do I renew my policy?
Your dedicated Aon Client Manager team will be in touch approximately 60 days before your renewal date to discuss your ongoing needs and any changes to your business. Upon confirmation of these details and requirements, we will work on your renewal and send through the renewal offer. It is important at this stage to review the details of our offer carefully (remember pricing and coverage levels may have changed so it is important to review). If you are happy with the offer and wish to accept, it is important that you pay for your renewal by the date specified on the tax invoice.
What if I need to make a change to my policy?
It is important to keep your policy up to date with the changing shape of your business and also to keep your business and personal information up to date in the event of a claim.
Should your business circumstances change, for example you have are under renovations, and you are not sure if your existing insurance covers it anymore, then you can always call your dedicated client manager or one of our experienced friendly brokers to discuss on tel 1300 836 028.
What are your opening hours?
Our opening hours are 8.30 a.m. to 5.00 p.m. AET, Monday to Friday (except public holidays).  If you need to contact us out of hours you can email your dedicated client manager or contact us at  triage.enquiries@aon.com and we will pick up your query on the next business day.
Explore more FAQs
I have not received my certificate of currency or renewal offer/documents?
Please accept our apologies. At Aon we strive to deliver best in class service, so we are sorry to hear you have not received your documents. Please contact us on tel 1300 836 028 and we will look to send your documents as soon as possible.

Can I pay for my policy monthly?
Yes you can. Monthly payments can be arranged through our premium funding agreement with Hunter Premium Funding2 to help you spread the costs of your insurance across the year. Please note that the total overall cost is higher if you pay monthly. Contact us on tel 1300 836 028 to discuss this. 


Ways to get in touch

Call 1800 897 753

8:30am - 5:00pm AET
Mon - Fri (except public holidays)
1Subject to the full terms, conditions and limits of the policy. Please review the full policy wording for more information.

2We will process your certificate of currency request instantly but, depending on your internet speed and email server, it could take a few minutes to get to your inbox.

3Hunter Premium Funding is a third party independent of Aon, however Aon will receive a commission if you pay for your policy through a premium funding agreement with them.