What you need to know
The accommodation sector carries a distinct combination of property, liability, and business interruption risks that standard commercial wordings do not always address well. The nature of the business with guests, staff, and the public all present on the premises means that both the property and liability exposures require careful consideration. Stainton & Co. has experience working with motel operators, hotel groups, and franchise accommodation networks across New Zealand.
Whether you operate a standalone motel, a branded franchise property, or a portfolio of accommodation assets, we understand the insurance requirements that apply to your business and the market options available to you. Franchise networks often have specific insurance requirements set at the franchisor level we can work within those requirements while ensuring your individual property is correctly covered.
What we help with
A comprehensive accommodation insurance programme, structured to protect motel, hotel, and short-stay property owners across buildings, contents, liability, and loss of income — ensuring your property investment and business revenue remain secure against the full range of risks that come with welcoming guests through your doors.
What's generally covered
Material Damage (Buildings & Contents)
Covers the physical structure of the property and its contents including furniture, fittings, and equipment for loss or damage arising from fire, water, storm, earthquake, and other insured events.
Business Interruption
Covers loss of revenue following damage to the property that prevents normal operation. The indemnity period should reflect the time required to rebuild or reopen not just repair. This is one of the most underinsured areas in the accommodation sector.
Public Liability
Covers legal liability for bodily injury or property damage suffered by guests, contractors, or members of the public on the premises. Essential cover for any accommodation business.
Employers Liability
Covers legal liability to employees for claims that fall outside of ACC. Essential for any accommodation business with paid staff.
Guest Property
Covers loss or damage to property belonging to guests while on the premises. The extent of liability for guest property varies by policy this is an area where wording matters.
Crime
Covers financial loss arising from theft or fraud by employees. Relevant for any accommodation business with cash handling or access to guest credit card details.
Machinery Breakdown
Covers commercial kitchen equipment, laundry equipment, pool systems, and HVAC plant for mechanical and electrical breakdown. Business interruption extension available where breakdown causes loss of revenue.
Statutory Liability
Covers defence costs for regulatory proceedings under statutes including the Building Act and Health Act, along with any insurable fines or reparation costs ordered by the Courts. Fines imposed under the Health and Safety at Work Act 2015, Employment Relations Act 2000, or any legislation where indemnification is prohibited by law are not covered.
Franchise accommodation networks may have insurance specifications set at the franchisor level. We can review those requirements and ensure your programme meets them while remaining appropriate for your specific property.