Airbnb offer the Host Protection Insurance Program to protect Airbnb hosts (and landlords, as additional insureds) against liability claims of up to USD 1 million that occur in a listing or on an Airbnb property during a stay.
The programme provides primary liability coverage for up to $1,000,000 per occurrence in the event of a third-party claim of bodily injury or property damage related to an Airbnb stay.
Airbnb claim that this Program can serve as your primary coverage for eligible claims filed as a result of Airbnb stays – even if you already have existing homeowner’s or renter’s insurance.
The Program will only act as the primary insurance coverage for incidents related to an Airbnb stay, but is available to hosts regardless of other insurance arrangements they may or may not already have.
You do not need to do anything to be covered under the program – by agreeing (or continuing) to list your property on Airbnb, you automatically agree to be covered under the program for occurrences during Airbnb stays (subject to Airbnb’s policy terms). Program coverage is subject to a $1,000,000 cap per listing location, and certain conditions, limitations, and exclusions may apply.
It also covers landlords and homeowner’s associations in many cases when claims are brought against them because a guest suffers bodily injury during a stay, and may also cover claims if a guest damages building property. This often includes claims filed by a landlord against a host. Landlords are covered only if Airbnb and/or the host are also a party to the claim.
The Airbnb Host Protection Insurance Program is different to the Airbnb Host Guarantee. The former is designed to protect hosts against third party claims by guests of bodily injury or property damage, whereas the latter is designed to protect hosts against damage to their property and possessions in the instance of damage caused by guests staying at their place.
The Host Protection Insurance Program does not apply to liability arising from:
- Aircraft, Auto, and Mobile Equipment
- Assault and Battery
- Chinese Drywall
- Communicable Disease
- Contractual liability
- Cross Suits
- Distribution of Material in Violation of Statutes
- Electronic data
- Employment Related Practices
- Expected or intended injury
- Exterior Finish or Insulation Systems
- Fungi or Bacteria
- Liquor liability
- Nuclear risks
- Personal and Advertising Injury
- Products and Completed Operations
- Products Recall
- Punitive or Exemplary Damages
- Sexual Assault
- Silica, Silica Dust, Lead and Asbestos
- Workers Compensation and Employers Liability
Examples of What's Covered
- A guest breaks their wrist after slipping on the rug and brings a claim for the injury against the host
- A guest is working out on the treadmill in the gym of the apartment building. The treadmill breaks and the guest is injured when they fall off. They bring a claim for the injury against the host and the landlord
- A guest accidentally drops their suitcase on a third party’s foot in the building lobby. The third party brings a claim for the injury against the host and the landlord of the host’s building
Examples of What's Not Covered
- Intentional acts where liability isn’t the result of an accident
- Accusations of slander or defamation of character
- Property issues (e.g. mould, bed bugs, asbestos, pollution)
- Auto accidents (e.g. vehicle collisions)