Author: Raymond
Category: Insurance in Kenya

Insurance for Hotels and Airbnb Properties in Kenya

Learn which insurance covers hotels, serviced apartments, guest houses and Airbnb properties in Kenya need, including property, public liability, business interruption, WIBA, burglary and cyber insurance.

Why Hotels and Airbnb Properties Need Specialised Insurance

Hotels, guest houses, serviced apartments and Airbnb properties face risks that ordinary residential premises do not experience.

A private home may receive a few invited visitors. A hospitality property may accommodate different guests every day, employ workers, collect personal information, serve meals, operate recreational facilities and depend on continuous bookings for income.

Possible incidents include:

A guest slipping on a wet floor
Fire damaging rooms and furniture
Theft of televisions or appliances
A burst pipe flooding neighbouring apartments
Guest property being damaged or stolen
Food causing illness
An employee being injured at work
A cyberattack compromising booking records
A major incident forcing booking cancellations
Damage caused by a guest
Electrical faults damaging appliances
Swimming-pool accidents
Loss of rental income during repairs

An ordinary domestic policy may exclude or restrict losses arising from commercial accommodation.

That is why the property’s actual use must be disclosed to the insurer.

A home used for paying guests is no longer exposed only as a home. It is also a hospitality business.

What Is Hotel and Airbnb Insurance?

Hotel or short-term-rental insurance is not necessarily one standalone policy.

It is usually an insurance programme combining several sections to protect:

The building
Furniture and appliances
Guest-related liabilities
Employees
Rental income
Electronic equipment
Money
Food and beverages
Business records
Vehicles
Digital booking systems

The correct structure depends on whether the property is:

A large hotel
A boutique hotel
A guest house
A serviced apartment
A furnished Airbnb unit
A holiday villa
A lodge
A hostel
A bed-and-breakfast establishment
A homestay
A property-management portfolio

A one-bedroom Airbnb apartment does not require the same limits as a 100-room hotel, but both need cover that recognises paying guests.

Are Airbnb and Short-Term Rental Properties Regulated in Kenya?

Kenya’s Tourism Regulatory Authority licenses regulated tourism enterprises and applies standards relating to areas such as safety, security, hygiene and service quality. New Tourism Regulatory Authority regulations published in December 2025 operate alongside standards developed by the Authority for hygiene, safety, security and quality. (Tourism Authority)

Property owners should therefore establish whether their accommodation business requires:

Tourism licensing
County business permits
Public-health approvals
Fire-safety compliance
Building-management approval
Landlord consent
Planning or change-of-use approval
Tax registration
Data-protection compliance

Insurance does not replace regulatory compliance.

An insurer may ask for licences, inspection reports or fire-safety records when assessing the risk or investigating a claim.

Does Airbnb AirCover Replace Local Insurance?

No.

Airbnb currently provides eligible hosts with AirCover for Hosts, which includes Host Damage Protection and Host Liability Insurance. Airbnb describes Host Damage Protection as providing up to USD 3 million for certain guest-caused damage, while Host Liability Insurance can provide up to USD 1 million where an eligible host is legally responsible for a guest’s injury or damage to another person’s property.

However, Airbnb expressly states that these protections do not replace homeowners’, renters’ or other adequate insurance. Its Host Damage Protection terms also state that the damage programme is a contractual guarantee rather than an insurance contract.

AirCover may also be limited to eligible stays booked through Airbnb.

It may not address every exposure involving:

Direct bookings
Bookings through another platform
Long-term tenants
Ordinary wear and tear
Undeclared commercial activities
Building damage unrelated to a guest
Employee injuries
Business interruption from fire or flood
Cyberattacks
Motor vehicles
Regulatory fines
Events outside the programme’s terms

A host should therefore treat platform protection as an additional layer—not as a complete replacement for locally arranged property and liability insurance.

Essential Insurance Covers for Hotels and Airbnb Properties

1. Fire and Allied Perils Insurance

Fire and Allied Perils Insurance protects the property against fire and other insured events.

Depending on the selected policy, it may cover:

The building
Furniture
Beds and mattresses
Television sets
Refrigerators
Cookers
Curtains and carpets
Air-conditioning equipment
Kitchen equipment
Laundry equipment
Office contents
Guest-room fittings
Stock and supplies

Allied perils may include:

Explosion
Lightning
Storm
Flood
Earthquake
Impact damage
Malicious damage
Burst pipes
Water damage

The policy schedule should specify which perils are included.

Building owners

A hotel or apartment owner should insure the building using an appropriate rebuilding value.

This may need to include:

Construction costs
Professional fees
Debris removal
Statutory fees
Reinstatement of fixtures
Inflation during reconstruction

Tenants and Airbnb operators

A host who does not own the building may insure:

Furniture
Appliances
Electronics
Tenant improvements
Curtains and fittings
Stock
Business equipment

The landlord’s building insurance does not automatically protect the host’s contents or rental income.

2. Burglary and Theft Insurance

Hotels and short-term rentals contain items that can be attractive to thieves, including:

Television sets
Laptops
Appliances
Linen
Furniture
Sound systems
Kitchen equipment
Guest property
Cash

Burglary Insurance may respond where insured property is stolen following forcible or violent entry into or exit from the premises, subject to the wording.

The policy may require:

Working locks
Security guards
CCTV
Controlled keys
Alarm systems
Secure windows
Prompt police reporting
An inventory of insured items

Ordinary disappearance may not qualify.

For example, where a television is missing after checkout but there is no clear evidence of how it disappeared, settlement may depend on whether guest-caused theft, mysterious disappearance or employee dishonesty is included.

3. All Risks Insurance for Portable Equipment

Portable property can be damaged or lost away from the premises.

All Risks cover may be suitable for:

Laptops
Cameras
Mobile point-of-sale devices
Portable speakers
Projectors
Event equipment
Business phones

The equipment should be listed with its description, serial number and value.

Ordinary Fire and Burglary Insurance may apply only at the named property.

4. Public Liability Insurance

Public Liability Insurance protects the business against eligible legal claims where a guest, visitor or member of the public suffers accidental bodily injury, death or property damage connected to the premises or operations.

Possible incidents include:

A guest slipping in a bathroom
A visitor falling on a staircase
A balcony rail failing
A loose ceiling fixture causing injury
A swimming-pool accident
Water leaking into a neighbouring apartment
A signboard damaging a parked vehicle
Hot food or drinks burning a guest
A guest being injured by damaged furniture

Hotels and short-term-rental operators owe visitors a duty to take reasonable care for their safety. Kenya’s Occupational Safety and Health Act also requires fire precautions in workplaces, while recognised accommodation standards include fire-safety requirements for hotels. (Kenya Law)

Public Liability Insurance may cover:

Eligible compensation
Approved legal defence costs
Claimant’s legal costs
Investigation expenses

The liability limit should reflect the possible severity of an injury—not simply the cheapest premium.

5. Guest Property Liability

A guest may allege that personal belongings were:

Stolen
Damaged
Lost while held for safekeeping
Destroyed by fire
Damaged by water
Mishandled by employees

A hotel package may contain an Innkeeper’s Liability or guest-property section.

The policy may impose limits:

Per guest
Per room
Per incident
For valuables
For items deposited in a safe

Cash, jewellery, passports and high-value electronics may have restricted protection.

Hosts should provide secure storage and clearly communicate procedures for valuables.

6. Business Interruption Insurance

Physical repairs are not the only cost following a serious incident.

A fire may damage an Airbnb unit and make it unavailable for three months. A hotel may lose bookings while repairs, inspections and approvals are completed.

Business Interruption Insurance may protect eligible:

Lost gross profit
Lost rental income
Continuing salaries
Rent
Loan expenses
Temporary operating costs
Additional advertising
Alternative-premises costs

Example

A burst pipe floods three serviced apartments.

Property Insurance may pay for eligible repairs to:

Floors
Furniture
Appliances
Walls

Business Interruption Insurance may address eligible booking income lost while the apartments are unavailable.

The cover normally requires the interruption to result from physical damage caused by an insured peril.

The owner should select a realistic indemnity period, considering:

Repair time
Building approvals
Replacement furniture
Imported equipment
High-season bookings
Reputation recovery
Time required to restore occupancy

7. Loss of Rent Insurance

Landlords operating furnished rental properties may lose income after insured damage makes the premises uninhabitable.

Loss of Rent Insurance may protect eligible income for the selected indemnity period.

The declared value should reflect:

Expected annual rent
Occupancy
Seasonal rates
Service charges
Multiple units
Expected business growth

The policy may not cover ordinary low occupancy, cancellations unrelated to insured damage or poor reviews.

8. WIBA Insurance

Hotels, lodges and Airbnb businesses may employ:

Cleaners
Receptionists
Cooks
Security staff
Caretakers
Drivers
Maintenance workers
Laundry staff
Gardeners
Pool attendants

Every employer should maintain the required Work Injury Benefits Act insurance for qualifying workplace injuries and occupational diseases.

WIBA may respond to eligible claims involving:

Medical expenses
Temporary disability
Permanent disability
Occupational disease
Funeral expenses
Work-related death

Even a host who employs one cleaner or caretaker should review their employer obligations.

The quotation normally depends on:

Number of employees
Annual payroll
Occupations
Work locations
Claims history

9. Employer’s Liability and Group Personal Accident

WIBA focuses on statutory work-related compensation.

Hotels may also consider:

Employer’s Liability

This can address eligible common-law claims alleging employer negligence, subject to the policy.

Group Personal Accident

This may provide defined accident benefits for employees on a 24-hour basis, depending on the arrangement.

These covers should not be treated as replacements for WIBA.

10. Fidelity Guarantee Insurance

Hospitality businesses often give employees access to:

Cash
Mobile-money collections
Guest deposits
Stock
Linen
Food and beverages
Booking systems
Payment terminals

Fidelity Guarantee Insurance may protect the business against specified direct financial loss caused by dishonest employees.

The business should also maintain controls such as:

Separation of duties
Daily reconciliations
Stock counts
Restricted system access
Cash limits
Employee screening
CCTV
Mandatory leave

11. Money Insurance

Money Insurance protects business funds under specified circumstances.

It may cover money:

At reception
In a locked safe
In transit to the bank
In the custody of authorised employees
At a designated collection point

The policy may impose separate limits for:

Business hours
Overnight storage
Money in transit
Safes
Cash drawers

Money Insurance does not usually cover unexplained shortages or ordinary bookkeeping mistakes.

12. Electronic Equipment Insurance

Hotels and short-term rentals increasingly depend on electronic systems.

These may include:

Computers
Servers
CCTV
Wi-Fi routers
Booking terminals
Access-control systems
Smart locks
Television systems
Point-of-sale equipment
Communication equipment

Electronic Equipment Insurance may protect against sudden and accidental physical damage.

Optional extensions may include:

Data-restoration costs
Increased cost of working
Portable equipment
External storage media

Cyber incidents usually require separate Cyber Insurance.

13. Machinery Breakdown Insurance

Hotels may rely on:

Lifts
Boilers
Generators
Laundry equipment
Refrigeration systems
Air-conditioning systems
Water pumps
Kitchen machinery
Cold rooms

Machinery Breakdown Insurance may protect these systems against sudden and unforeseen internal mechanical or electrical damage.

Common exclusions may include:

Wear and tear
Corrosion
Gradual deterioration
Poor maintenance
Consumable parts

Maintenance records can be important during a claim.

14. Deterioration of Stock Insurance

Hotels and restaurants may lose food, drinks or other temperature-sensitive stock when refrigeration equipment breaks down.

Deterioration of Stock Insurance may cover eligible spoilage following an insured machinery breakdown.

The policy may require:

Working temperature monitoring
Equipment maintenance
Backup power
Stock records
Immediate reporting

Ordinary spoilage, expired stock or utility failure without the relevant extension may be excluded.

15. Product Liability Insurance

Hotels, lodges and Airbnb hosts that provide food or beverages may face claims alleging:

Food poisoning
Contamination
Allergic reaction
Foreign objects in food
Unsafe products

Product Liability Insurance may protect the business against eligible third-party injury or property damage caused by supplied products.

Public Liability and Product Liability should be coordinated.

A customer slipping in a dining room is ordinarily a public-liability exposure. A customer alleging illness from a meal may create a product-liability exposure.

16. Cyber Insurance

Hotels and short-term rentals collect information such as:

Guest names
Identification details
Telephone numbers
Email addresses
Payment information
Travel dates
Passport details
Booking records

A cyber incident may cause:

Data exposure
Booking-system interruption
Ransomware
Fraudulent payment instructions
Loss of reservations
Customer claims
Reputation damage

Cyber Insurance may cover eligible:

Forensic investigation
Data restoration
Privacy liability
Customer notification
Legal defence
Cyber Business Interruption
Crisis communication

The business should also use:

Multi-factor authentication
Strong passwords
Secure Wi-Fi
Tested backups
Restricted access
Staff training
Updated software

17. Domestic Package vs Commercial Hospitality Insurance

A standard Domestic Package policy is intended primarily for private residential use.

It may cover:

A private home
Household contents
Domestic liability
Domestic employees
Personal belongings

However, short-term accommodation introduces commercial risks.

A domestic insurer may restrict or exclude:

Paying guests
Frequent occupancy changes
Business equipment
Commercial liability
Rental income
Guest property
Employee dishonesty
Online booking operations

The host must disclose that the property is used for Airbnb, serviced accommodation or other paying guests.

An insurer may:

Endorse the domestic policy
Offer a landlord’s policy
Arrange a hospitality package
Require a commercial policy
Decline certain risks

Never describe a commercial short-term rental as an owner-occupied private home merely to obtain a lower premium.

18. Motor and Passenger Transport Insurance

Hotels and lodges may operate:

Airport-transfer vehicles
Guest shuttles
Tour vans
Staff vehicles
Delivery vehicles

The correct motor class depends on how each vehicle is used.

A private motor policy may be unsuitable for a vehicle carrying paying guests.

The business may also require:

Passenger liability
Driver Personal Accident
Road rescue
COMESA Yellow Card
Commercial motor cover
Tour Service Vehicle insurance

Motor Insurance does not automatically cover guests’ luggage or goods carried in the vehicle.

19. Political Violence and Terrorism

Hotels can be exposed to riots, malicious damage, political violence or terrorism.

Ordinary property insurance may exclude these events unless an extension is added.

The operator should confirm whether the extension applies to:

Buildings
Contents
Stock
Machinery
Business interruption
Loss of rent
Malicious damage

Protecting physical assets without covering the resulting income loss may leave a serious gap.

20. Terrorism and Security-Related Liability

Large hotels, conference facilities and properties serving international visitors may have additional security exposures.

The insurer may assess:

Access controls
CCTV
Security guards
Emergency procedures
Property location
Occupancy
Event activities
Previous incidents

High-risk or specialist events may need separate underwriting.

Insurance for Different Hospitality Businesses

Airbnb Apartments

A practical package may include:

Contents Insurance
Fire and Allied Perils
Burglary
Public Liability
Loss of Rent
Guest-caused damage protection
WIBA for employees
All Risks for electronics
Cyber Insurance where guest data is held

Serviced Apartments

A serviced-apartment operator may also require:

Building Insurance
Business Interruption
Fidelity Guarantee
Money Insurance
Electronic Equipment
Machinery Breakdown
Guest Property Liability
Commercial Motor

Guest Houses and Bed-and-Breakfast Properties

Relevant covers may include:

Buildings and Contents
Public Liability
Product Liability
Business Interruption
WIBA
Money
Burglary
Guest property
Machinery Breakdown

Hotels

Hotels may need a broad combined package covering:

Buildings
Contents
Stock
Business Interruption
Public Liability
Product Liability
Guest property
Money
Fidelity
WIBA
Employer’s Liability
Machinery Breakdown
Deterioration of Stock
Cyber
Motor
Group Medical
Political Violence and Terrorism

Lodges and Holiday Villas

Additional risks may include:

Remote locations
Wildlife
Bush fires
Water supply
Power interruptions
Long emergency-response times
Guest transfers
Outdoor activities

These exposures should be disclosed during quotation.

How Much Does Hotel or Airbnb Insurance Cost in Kenya?

There is no universal premium.

The cost depends on:

Property value
Contents value
Number of rooms
Annual revenue
Location
Construction type
Fire protection
Security
Swimming pools
Restaurant operations
Alcohol service
Number of employees
Claims history
Guest capacity
Liability limits
Online booking exposure
Business-interruption period
Political-violence extension
Policy excesses

A furnished studio apartment and a five-star hotel cannot be priced in the same way.

The insurer needs accurate information about the property and operations.

Information Required for a Quotation

Prepare the following:

Property information

Physical address
Ownership or tenancy
Building value
Contents value
Construction type
Number of rooms or units
Occupancy capacity
Neighbouring properties
Swimming pool or recreational facilities

Business information

Type of accommodation
Annual turnover
Average occupancy
Booking channels
Direct bookings
Food and beverage services
Events
Airport transfers
Claims history

Safety and security

Fire extinguishers
Smoke alarms
Fire exits
CCTV
Security guards
Alarm systems
Emergency lighting
First-aid arrangements
Pool safety
Balcony and staircase controls

Employee details

Number of employees
Occupations
Annual payroll
Casual workers
Outsourced staff

Required benefits

Property damage
Business interruption
Public liability
Guest property
WIBA
Money
Fidelity
Cyber
Machinery Breakdown
Political Violence and Terrorism

How to Calculate the Right Property Value

Building value

Use the estimated cost of rebuilding the structure—not the market selling price or land value.

Contents value

Include the current replacement cost of:

Furniture
Appliances
Linen
Electronics
Kitchen equipment
Decorations
Office equipment
Guest-room contents

Stock value

Include the maximum expected value of:

Food
Beverages
Cleaning materials
Guest supplies
Replacement linen
Consumables

Rental income

Use realistic projected income for the selected indemnity period.

Review values annually because inflation, renovations and new equipment can create underinsurance.

Public Liability Limits for Hospitality Properties

The appropriate liability limit depends on:

Maximum number of guests
Number of units
Swimming pools
Balconies
Food service
Events
Recreational activities
Property location
Contract requirements
Guest profile

A serious injury can exceed the value of damaged furniture or appliances.

Do not select a small liability limit merely because the property itself is small.

Important Exclusions to Check

Policies may exclude or restrict:

Wear and tear
Gradual deterioration
Poor maintenance
Existing damage
Deliberate acts
Undeclared commercial use
Unauthorised events
Excessive guest numbers
Unattended theft
Guest theft without evidence
Cash beyond stated limits
Pollution
War
Terrorism
Cyber incidents
Alcohol-related liabilities
Professional services
Illegal activities
Building defects
Vermin
Mould
Loss of income without physical damage

Read the policy wording and schedule before paying.

Risk Management for Hotels and Airbnb Properties

Install and maintain fire equipment

Use appropriate:

Smoke detectors
Fire alarms
Extinguishers
Fire blankets
Emergency lighting
Exit signs

Inspect the property regularly

Check:

Balconies
Staircases
Handrails
Electrical wiring
Gas systems
Furniture
Water heaters
Lifts
Pool areas
Locks

Keep an inventory

Maintain:

Photographs
Serial numbers
Purchase receipts
Replacement values
Room-by-room records

Control keys and access codes

Change smart-lock codes between guests where appropriate.

Remove access immediately after checkout.

Screen and train employees

Staff should understand:

Guest safety
Fire response
Incident reporting
Data protection
Cash handling
Food hygiene

Maintain guest records securely

Do not keep identification documents longer than necessary.

Restrict access to booking and payment systems.

Document incidents

Preserve:

Photographs
CCTV
Guest communication
Witness details
Maintenance records
Cleaning schedules
Police reports

What to Do After Guest-Caused Damage

Photograph the damage immediately.
Preserve damaged property.
Obtain repair or replacement quotations.
Notify the guest through the booking platform where applicable.
Notify the insurer or intermediary.
Avoid beginning major repairs before inspection.
Preserve booking details and communication.
Make a police report where theft or malicious damage is suspected.
Provide proof of ownership and value.
Take reasonable steps to prevent further damage.

Where the booking was made through Airbnb, the host should also follow Airbnb’s reporting and reimbursement process within the applicable deadlines. Airbnb’s protection remains subject to its programme terms and eligibility requirements. (Airbnb)

What to Do After a Guest Injury

Obtain medical or emergency assistance.
Secure the dangerous area.
Record the incident.
Collect witness details.
Preserve CCTV.
Take photographs.
Notify the insurer immediately.
Do not admit legal liability.
Forward demand letters or court documents promptly.
Cooperate with the insurer’s investigation.

Being sympathetic and helpful does not require promising compensation before the facts are assessed.

Common Insurance Mistakes Hosts Make

Relying only on AirCover

Platform protection does not replace a complete local insurance programme. (Airbnb)

Using ordinary home insurance without disclosure

Commercial guest accommodation may be excluded.

Insuring the building but not the contents

Furniture, appliances and tenant improvements require separate values.

Ignoring public liability

Guest injury may cost more than physical property damage.

Forgetting business interruption

Repairs do not replace cancelled booking income.

Failing to insure employees

Cleaners, cooks, caretakers and security personnel create WIBA exposure.

Choosing inadequate limits

Low property, liability or rental-income limits can produce underinsurance.

Failing to disclose pools or events

Pools, parties, conferences and food service materially change the risk.

Keeping poor inventories

Guest-damage and theft claims require evidence of ownership and value.

Ignoring direct bookings

Platform protection may not apply to reservations made outside the platform.

How to Compare Hotel and Airbnb Insurance Quotations

Ensure every insurer receives the same:

Property use
Building value
Contents value
Rental income
Number of rooms
Number of guests
Employee payroll
Liability limit
Claims history
Security measures
Food-service activities
Booking channels

Then compare:

Total premium
Fire and allied perils
Burglary terms
Guest-caused damage
Public Liability limit
Guest-property limit
Business Interruption
Loss of Rent
WIBA
Fidelity
Money
Machinery Breakdown
Cyber protection
Political Violence and Terrorism
Excesses
Warranties
Exclusions
Claims procedure

A cheaper quotation may omit the most important risk.

How Imana Helps Hospitality Businesses Compare Insurance

Imana Insurance Agency Kenya Ltd helps hotels, lodges, guest houses, serviced-apartment operators, property managers and Airbnb hosts compare quotations from suitable licensed insurers.

The process may include:

Reviewing the property’s use.
Identifying buildings, contents and equipment.
Estimating rental income and business-interruption exposure.
Reviewing guest and public-liability risks.
Assessing employee and WIBA requirements.
Identifying cyber, machinery and fidelity exposures.
Requesting comparable quotations.
Explaining premiums, limits, excesses and exclusions.
Coordinating inspections and policy issuance.
Providing renewal and claims support.

Available solutions can include:

Property Insurance
Fire and Allied Perils
Burglary
Public Liability
Product Liability
Business Interruption
Loss of Rent
WIBA and WIBA Plus
Money Insurance
Fidelity Guarantee
Electronic Equipment
Machinery Breakdown
Cyber Insurance
Commercial Motor
Group Medical
Political Violence and Terrorism

Hospitality Insurance in Nairobi and Across Kenya

Imana Insurance Agency Kenya Ltd
4th Floor, Krishna Centre
Woodvale Grove, Westlands
Nairobi, Kenya

Imana supports hospitality properties in:

Westlands
Kilimani
Kileleshwa
Lavington
Parklands
Riverside
Gigiri
Runda
Karen
Nairobi CBD
Naivasha
Nakuru
Mombasa
Diani
Kisumu
Nanyuki
Other locations across Kenya

Call or WhatsApp: +254 796 209 402
Website: Imana.co.ke

Compare quotations. Understand the hospitality risks. Choose suitable protection. Let Imana handle the rest.

Frequently Asked Questions

Does ordinary home insurance cover an Airbnb?

Not necessarily. A domestic policy may restrict commercial use or paying guests. The host must disclose the property’s actual use.

Does Airbnb provide insurance for hosts?

Airbnb provides AirCover for Hosts, including Host Damage Protection and Host Liability Insurance, subject to its terms. Airbnb states that this does not replace adequate personal or commercial insurance. (Airbnb)

What insurance does an Airbnb host need?

Common covers include Contents, Fire, Burglary, Public Liability, Loss of Rent, Business Interruption and WIBA where employees are involved.

Does insurance cover damage caused by guests?

It may, where guest-caused malicious or accidental damage is included. The policy wording and evidence requirements apply.

Does it cover stolen appliances?

Burglary or theft cover may respond under specified circumstances. Unexplained disappearance may be excluded.

Can insurance cover cancelled bookings?

Business Interruption or Loss of Rent may cover eligible income loss resulting from insured physical damage.

Does Public Liability cover guest injuries?

It may cover eligible legal liability where a guest suffers accidental injury connected to the insured premises or operations.

Does a hotel need WIBA Insurance?

Yes, employers should maintain the required statutory protection for qualifying workplace injuries and occupational diseases.

Can swimming pools be insured?

The property can be insured, but pools create additional liability exposure and must be disclosed.

Does hotel insurance cover food poisoning?

Product Liability may cover eligible claims arising from supplied food, subject to hygiene requirements and policy terms.

Does property insurance cover cyberattacks?

Not ordinarily. Cyber Insurance is normally required for data breaches, ransomware and digital business interruption.

Can one policy cover several Airbnb units?

Possibly. A portfolio policy may cover several declared locations, subject to individual values, occupancy and insurer approval.

Can Imana compare hotel and Airbnb insurance quotations?

Yes. Imana can compare property, liability, income-protection, employee and specialist covers from suitable insurers.

The Bottom Line

Hotels and short-term rentals face more than ordinary property risks.

The correct insurance programme should protect:

Buildings
Furniture and appliances
Guests
Employees
Rental income
Money
Machinery
Booking systems
Business reputation

Do not rely only on a domestic policy or a booking platform’s protection.

Disclose how the property is used, compare the policy sections carefully and select limits that reflect the real cost of a serious incident.

You provide guests with a safe place to stay. Suitable insurance helps provide your hospitality business with a safer financial future.

Imana Insurance Agency Kenya Ltd
4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
Call or WhatsApp: +254 796 209 402

Protect the property. Protect the guests. Protect the income. Let Imana handle the rest.

Insurance premiums, benefits, limits, excesses, warranties and exclusions vary between insurers. Airbnb’s platform protections and Kenyan tourism regulations may change. Obtain current licensing information, a written insurance quotation, policy schedule and full policy wording before operating or purchasing cover.

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