Motel Insurance — Granite Belt Insurance Brokers
Granite Belt Insurance Brokers arranges motel insurance for motel owners and operators across the Granite Belt, New England and Northern Rivers. We are brokers, not insurers — we structure cover to match your property, your lease or ownership arrangement, and the specific risks of your accommodation business. See also: Motel guidance and quotes.
✅ What motel insurance typically covers
- Building and contents — the motel structure, fittings, furniture and equipment (subject to agreed sums insured)
- Public liability — injury or property damage claims from guests and visitors on your premises
- Loss of revenue / business interruption — income loss following an insured event forcing closure
- Money — cash on premises and in transit from the property
- Glass — fixed glass in units, reception and common areas
- Machinery breakdown — air conditioning, refrigeration and commercial laundry equipment (where included)
⚠️ Common gaps in motel cover
- Building sum insured not reviewed — does not reflect current rebuild costs
- Loss of revenue indemnity period too short for actual repair or rebuild timeline
- Guest property liability unclear — may not cover theft from rooms without forced entry
- Machinery breakdown absent — leaving A/C and refrigeration uninsured
- Lease obligations not reflected in liability limits or property cover structure
- Seasonal occupancy peaks not considered in business interruption calculations
How we structure motel cover
- 1) Ownership vs leasehold — who insures the building and on what basis
- 2) Building value — realistic rebuild cost at current construction rates
- 3) Revenue — average weekly income and maximum likely closure period
- 4) Guest exposure — room count, pool, restaurant or function facilities
- 5) Equipment — commercial kitchen, laundry, A/C fleet and refrigeration
If you need to make a claim
- Notify us as soon as practical after any incident
- Do not make repairs before the insurer or assessor has inspected (where practical)
- Document all guest complaints and incidents in a register
- Preserve CCTV footage for liability incidents
Who this cover suits
- Motel owners — freehold and leasehold
- Caravan and holiday parks with cabin accommodation
- Small boutique accommodation properties
Renewal checklist
- Review building sum insured annually — construction costs change significantly
- Confirm revenue figures for business interruption calculations each year
- Check lease obligations against current liability and property cover
- Update room count and facilities if property has been extended or modified
Related pages
Hospitality Insurance · Caravan Park Insurance · Business Insurance · Contact Us
❓ Common questions about this cover
Here are some of the questions we are commonly asked when arranging motel insurance for clients across the Granite Belt, New England and Northern Rivers.
- How much does motel insurance cost? Premium depends on your specific situation — cover type, sum insured, activities, claims history and insurer selection all affect the price. We compare options and explain the differences.
- Do I need a broker or can I go direct? You can go direct to an insurer, but a broker compares multiple markets, structures cover to match your needs, and advocates for you at claim time. For complex or rural risks, broker access often finds options not available direct.
- What happens if I need to claim? Contact us immediately. We manage the notification process, help you document the loss, liaise with the insurer and their assessors, and advocate for a fair outcome.
- How do I know if I’m underinsured? Your sum insured should reflect the full cost of rebuilding or replacing at today’s prices. We can help you review your sums insured at renewal.
Talk to a local broker
Granite Belt Insurance Brokers has been arranging insurance across the Granite Belt, New England and Northern Rivers since 1999. We are based in Stanthorpe and understand the local conditions, local risks and local insurer appetite. To arrange or review your insurance, contact us without obligation.
- Call: 07 4681 1289 — Monday to Friday 8:30am to 5pm
- ✉️ Email: email hidden; JavaScript is required
- Request a quote or review: Contact Us
Related pages
What motel insurance typically covers
- Building and contents: the motel structure, furnishings, fixtures and in-room equipment — subject to sums insured and policy conditions
- Public liability: third party claims from guests, visitors and contractors on your property — cover scope varies by insurer
- Business interruption: loss of accommodation revenue and additional costs following an insured event — indemnity period needs to cover the full rebuild or repair period
- Theft: guest theft, break-ins and theft by employees — subject to conditions and security requirements
- Machinery breakdown: pool equipment, air conditioning, lifts and commercial laundry — where included
- Money: cash on premises and in transit — subject to limits
Common gaps for Granite Belt and New England motel operators
- Business interruption underinsurance — the indemnity period needs to reflect how long it would actually take to rebuild, refit and return to trading
- Guest property liability — liability for damage to or theft of guest property has specific conditions that vary between policies
- Pool and recreational facilities — specific liability and property cover requirements apply
- Seasonal revenue peaks — Granite Belt tourism peaks at apple season, festival season and winter weekends; interruption cover needs to reflect peak not average revenue
- Online booking platform exposure — cancellation and consumer guarantee obligations are an emerging liability area
How we structure motel insurance at GBIB
The Granite Belt is a tourism region with strong motel and accommodation demand through the apple harvest, wine events and winter tourism season. We understand the seasonal revenue profile and the specific property risks of accommodation operators in the region.
Making a claim
For guest injury or property incidents — document the incident immediately in your incident register, contact us before speaking with the guest about compensation, and do not admit liability. For property damage — photograph before any repairs and contact us first.
07 4681 1289 · email hidden; JavaScript is required
Who this suits
Motel operators, motor inns, boutique accommodation businesses, bed and breakfast operators and short-stay accommodation providers across Stanthorpe, Warwick, Tenterfield and the broader Granite Belt and New England tourist regions.
Renewal checklist
- Have your room rates or occupancy levels changed significantly?
- Have you added or refurbished rooms or facilities?
- Have your building and contents values kept pace with replacement costs?
- Is your business interruption indemnity period long enough?
- Have you added any new services — restaurant, pool, conference facilities?
- Any incidents, guest complaints or near-misses in the past year?
Related pages
Motel Insurance Guide
Hospitality Insurance
Hotel & Pub Insurance
Caravan Park Insurance
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