Accommodation properties face a different set of risks, driven by constant guest turnover and how each unit is managed. Guest-related fire or water damage is common, especially in kitchens, bathrooms, or where appliances are used without supervision. On-site housekeeping and laundromat services can also create extra fire risks if dryers or cleaning equipment aren’t properly maintained.

Because guests change frequently, prevention and accountability can be difficult, increasing the chance of claims. When something does go wrong, owners can lose income while units are being repaired, putting pressure on cash flow if cover isn’t set up properly.

There’s also the risk of liability from accidents in shared areas such as lobbies, stairwells, or car parks. Insurers pay close attention to how these properties are run, including safety procedures, maintenance routines, and guest management, especially when short-term or mixed-use accommodation is involved.

At CIX, we take a proactive and specialist approach to insuring accommodation assets, recognising the operational and financial pressures that come with managing guest-based properties.

Our cover is tailored to the specific risk profile of hotels, motels, serviced apartments, and short-stay accommodation, with attention given to sprinkler system condition, flow test results, and overall fire safety compliance. This ensures insurers have confidence in the property’s protection measures and can offer the most competitive terms.

We prioritise robust loss-of-rents protection, ensuring income continuity during repair or reinstatement periods, and include liability extensions that address guest-related incidents within both private and common areas.

To further support clients, CIX provides an expedited claims response via the CIX Portal, designed to minimise downtime and speed up claim settlement.