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Accommodation and hospitality insurance

We’ll arrange accommodation and hospitality insurance to help cover your risks – and keep your business running smoothly.

                              0800 376 304

Cover we can arrange

Public liability insurance

Defend your business against third-party accidents and costly legal fees, and help protect yourself, your employees and customers. Should you need to make a claim, our team is here for you every step of the way, so we can help you get a fair outcome sooner.

Machinery breakdown and electronics

Covers mechanical breakdown of machinery equipment at your premises – such as air-con units and refrigeration. Additional electronic equipment breakdown insurance can help cover your electronic items such as photocopiers, computers and point-of-sale systems.

Property insurance

Property insurance helps cover the physical loss or damage to business assets (such as building, contents and stock) at your premises from specified unforeseen occurrences, such as fires and storms. Help keep your assets protected and your business running.

Additional cover we can arrange

Product and services

Management liability

Help protect your business – and your team – against management and operational risks with management liability cover.

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Product and services

Business interruption

A storm, cyberattack or machinery breakdown can grind your business to a halt. Arrange business interruption cover to keep things moving.

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Product and services

Business vehicle cover

Need to travel from one job to another to keep your business running? Marsh can arrange business vehicle cover tailored to your needs.

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Why do you need to consider accommodation and hospitality cover?

You might run a steady operation. But how exposed is your business when unexpected incidents hit?

What happens if a customer trips and falls? If someone into breaks into your cash till? If your coffee machine is out of action?

We can help protect a range of accommodation and hospitality businesses. Such as bars, B&Bs, clubs, coffee vans, motels, pubs, breweries, cafes, food trucks, hotels and restaurants.

key opening hotel room door

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

In business, we've got your back

From mum and dad’s dairy, to national pizza chains, Marsh has a 60+ year history of supporting New Zealand’s business community. Our award-winning brokers are fluent in the latest global and Kiwi market insight and risk, but cut through the jargon to speak your language.  

Local expertise

Our New Zealand-wide network of brokers have spent years at the forefront supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights, both local and global, and break down complex terminology.

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Access to the global market

Our local advisors have access to global underwriters. We’ll source quotes for complex or uncommon risks – to help keep your business protected.

Award-winning expertise

Marsh is a recognised industry leader, winning Large Broking Company of the Year 2022 and 2023 at the New Zealand Insurance Industry Awards

A history in hospitiality

We continue to work with a wide range of hospitality businesses to arrange solutions tailored to their needs and risk requirements.

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. At Marsh, our brokers will spot your unique set of risks, match you to the right choice, and advocate for you on price.

female insurance broker talking to clients

Related insurance solutions

slected option

Craft breweries insurance

Damage, accidents and product recalls don’t have to halt your business. Let us arrange tailored cover to help keep things flowing.

Hotel insurance

Help protect your hotel’s reputation – and bottom line – in the event of a claim. We can arrange insurance that meets your unique needs.

Travel agent insurance

We can arrange insurance products and services that may suit the travel industry, including professional indemnity and income protection.

Business vehicle insurance

Need to travel from one job to another to keep your business running? Marsh can arrange business vehicle cover tailored to your needs.

Insurance premium funding

Insurance can be a lifeline. But lump sum premiums can be a hindrance. Pay in monthly instalments with premium funding arranged by Marsh.

Cybersecurity insurance

Cyber attacks are becoming increasingly common. Help protect your small business with cyber insurance solutions arranged by Marsh.

Tourism Industry Aotearoa insurance

Marsh provides TIA members with a tailored package to cover risks and exposures of the Tourism industry.

Frequently asked questions

The cost of hospitality insurance can vary from business to business and risk to risk. A number of factors can impact the premium of an individual policy, including:

  • Size and turnover

  • Geographical location and building type

  • Claims history

  • Services and goods sold.

We strongly recommend reviewing the policy wording or product disclosure statement beforehand to make sure the cover you are arranging meets the specific risk requirements of your business.

Yes. We can arrange monthly instalments* with a finance company, provided you meet certain criteria. 

To request monthly payments, please talk to one of our dedicated Marsh insurance brokers.

The answer depends on how often your business changes.

As a rule of thumb, we recommend you review your policy at least once a year. This will ensure your business’s current risk exposures are covered.

But major changes – like business growth, greater work complexity or expanded services – should always prompt an insurance review.

Some insurers need to know about certain changes in accordance with your duty of disclosure. If your business has changed recently, contact the Marsh team to update your policy.

LCPA 23/150

Marsh Ltd (NZBN 9429040918792)(“Marsh”) arranges insurance and is not an insurer. This webpage contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire the product, refer to the specific policy wordings and/or product disclosure statements available from Marsh on request. 

*Interest and additional fees may be applicable. Terms and conditions apply.