Free fact finder · Australia
Accommodation insurance fact finder
Every question the accommodation forms ask, from overnight managers and in-room cooking to cladding and long-stay guests, asked once in plain English. Built from Pen's accommodation liability and backpacker forms, One Underwriting's hotels package and Arch's and Axis's hospitality liability forms.
- No login needed
- Fillable PDF with your logo
- 166 questions
- Written for AU rules
What it asks
The questions underwriters ask, in plain English.
Each one comes with a line saying why it's asked, so your client answers fully the first time.
- 1Which best describes the accommodation?Backpackers and boarding houses are rated very differently from hotels and motels.
- 2Is a manager on site overnight?Someone on site overnight can raise the alarm and evacuate guests in a fire.
- 3Can guests cook in their rooms?Cooking in rooms is a leading cause of fires in accommodation.
- 4Is there aluminium composite panel (ACP) cladding on the outside of the building?Some composite cladding burns fiercely. Insurers ask about it on every multi-storey building.
- 5Does anyone stay for more than three weeks in a row?Long-stay residents are treated as tenants, which some policies exclude.
- 6Is there a swimming pool, spa or sauna?Drowning and slips around pools are among the most serious claims insurers see.
The business
Entity, people, turnover by state for stamp duty and the owners' experience.
The property
Type of accommodation, council registration, an overnight manager and guests who stay more than three weeks.
Fire safety
Cooking in rooms, fire protection, external fire escapes and aluminium composite cladding.
Facilities and alcohol
Pools, playgrounds, equipment hire, a bar or restaurant, gaming and security.
Claims and cover
Past claims, current insurer, what to insure and the limit a lease or permit sets.
How it works
- 1
Open it and try it
Answer it on the page as your client would. Follow-up questions appear as you go. Nothing is saved.
No login
- 2
Send it, or download the PDF
Send your client a link to answer by form or chat, with reminders sent for you. Or download a fillable PDF with your logo.
PDF free, no email
- 3
Fill the insurers' forms
When your client answers, one click starts each insurer's form with their answers in, and drafts a needs summary for you to finish.
Free 14-day trial
Minimum cover
What sets the limit
We know of no law that sets a minimum public liability limit for accommodation providers in Australia.
- Leases
- Leases and management agreements usually set the limit and ask for the owner to be named on the policy.
- Councils and agents
- Councils, booking platforms and tour or event operators may require a set limit. Check each agreement.
A summary, not advice. Check every lease, permit and contract before setting a limit.
Free tool or a free trial
The fact finder is free. A trial does the forms.
Free, no login
Everything you need to use it.
- The whole fact finder, answered as your client would
- How much of each insurer's form it fills
- Fillable PDF with your firm's logo
With a 14-day free trial
Your client answers once. No card needed.
- Send it as a link: answered by form or chat, with reminders
- Upload a PDF your client filled in and the answers are read in
- Start each insurer's form with your client's answers in
- A first draft of the client's needs summary
- Next year, your client only confirms what changed
Before you ask
Questions about the hotels, motels and backpackers fact finder.
- Is the accommodation fact finder really free?
- Yes. Answer it on the page as your client would, then download it as a fillable PDF with your logo. There's no login and no email. Sending it to a client as a link comes with a free 14-day trial.
- Which insurers' forms does it fill?
- Pen's accommodation liability proposal and renewal declaration, Pen's backpacker and boarding house property proposal, One Underwriting's hotels package and the hospitality liability forms from Arch, Axis and One Underwriting. It also fills the general public liability, property, cyber and management liability forms. The page shows how much of each one it fills.
- Is there a minimum public liability limit for accommodation?
- Not in law. A lease or management agreement usually sets it. Councils, booking platforms and tour or event operators may require one too, so the fact finder asks your client which ones apply.
- Does it cover backpackers and boarding houses?
- Yes. It fills Pen's backpacker and boarding house property proposal. It asks about in-room cooking, long-stay residents and fire escapes, which insurers rate differently from hotels and motels.
Ask once. Fill every form.
Open the fact finder, try it as your client and download the fillable PDF. No login needed.
Open the fact finder