Resort Insurance
Perth, Sydney, Melbourne, Brisbane & Canberra

A resort’s insurance profile can extend across accommodation, restaurants, pools, spas, recreation and transport. Describe the facilities actually offered and identify which are operated directly, leased to another business or supplied by an outside contractor. Activities such as water sports, guided excursions or equipment hire need explicit discussion where they are part of the guest offering. The number of rooms is only one measure of the operation. Explain how guests move around the site and whether facilities are spread across separate buildings, outdoor areas or locations that may be affected differently by the same event.

Location can shape recovery as well as the likelihood of damage. A remote resort may depend on limited road access, local power systems, water infrastructure and staff accommodation. Describe those dependencies and the practical arrangements for maintenance and replacement parts. Seasonal occupancy, weather exposure and planned closures should be included in the submission. Buildings, landscaping, outdoor equipment and guest facilities may have different valuation and cover considerations. Ask how each is treated rather than assuming a single property total includes every feature that contributes to the guest experience or the resort’s ability to reopen after disruption.

Management, lease and concession agreements can allocate responsibilities across several businesses within the resort. Clarify who maintains facilities, employs staff and handles guest complaints. A third-party tour operator may arrange its own cover, but the resort can still face allegations about recommendations, booking administration or the way the activity was presented. Review the relevant agreements and ask how those services fit the insured activities. Insurance certificates should be considered alongside the actual work and contractual obligations. They do not establish that every person, activity or indemnity is accepted by the insurer issuing the policy.

When considering interruption arrangements, separate room income from food, functions and recreation revenue where that helps explain the business. Closure of one key facility may affect bookings even if rooms remain usable, but the policy’s trigger and treatment of that loss need review. Discuss the realistic recovery sequence, including access, repairs, staffing, supplies and reopening. A building can be repaired before the resort is ready to receive guests. Keep major booking and event terms available, particularly where cancellation or alternative accommodation commitments are significant. Those contractual expenses should not be assumed to be covered merely because a disruption has occurred.

Incident reporting should work across reception, maintenance, recreation and housekeeping teams. Preserve a factual account of what occurred and the location, facilities and personnel involved. For a widespread event, keep decisions about guest movements, closures and temporary services documented. Relevant maintenance and inspection records may help explain the condition of an affected area. Staff need clear contact arrangements when communications or access are disrupted. The insurance process should be coordinated with immediate operational needs, without delaying suitable steps to protect people or making premature promises about compensation, refunds or the insurer’s response.

Before renewal, review new activities, facility upgrades and changes in outside operators. Update values for specialist plant and consider replacement lead times for equipment that keeps several buildings operating. Check whether increased group bookings or a new event offering changes the revenue profile and contractual commitments. A practical exercise involving loss of water, access or a central booking system can expose dependencies that are not obvious from the asset list. Discuss those findings with the insurance arrangements in view. Some losses may fall within defined cover, while others require operational planning because the relevant event or expense is excluded or otherwise restricted.