CBIZ Coverage: Peace of Mind for Your Property, Income, and Guests
Without the right insurance, a single incident could put your short-term rental business—and your personal finances—at risk. That’s why CBIZ offers vacation rental insurance designed as a comprehensive commercial policy, tailored to how you use your property. Our specialists will work with you to build coverage that fits your needs.
Coverage Options
Short-term Rental Owners
Protection against accidents, injuries, and legal claims related to your rental operations.
- $2 million general aggregate limit
- $1 million per occurrence
- $1 million personal/advertising injury
- $5,000 in medical payments
- Legal defense costs included
- Property managers included at no extra cost
Protect your physical property and belongings from common rental-related losses including:
- Replacement cost coverage for the building and contents
- Guest-caused property damage
- $1 million personal/advertising injury
- Backup of sewer and drains
- Coverage for additional structures
Keep your income flowing, even if your property becomes uninhabitable due to a covered loss.
- Loss of rental income
- Extra expense coverage
Includes many of the extras your guests enjoy, such as:
- Swimming Pools and Hot Tubs
- Docks
- Non-motorized watercraft (canoes, paddleboards, kayaks)
- Exercise equipment, bicycles, and more
Up to $25,000 in coverage for professional cleanup and removal and subsequent rental income loss in the event of a bed bug infestation.
Coverage for legal expenses related to removing unauthorized occupants and restoring use of your property after a squatter incident.
Airbnb Hosts
Protection against accidents, injuries, and legal claims related to your rental operations.
- $2 million general aggregate limit
- $1 million per occurrence
- $1 million personal/advertising injury
- $5,000 in medical payments
- Legal defense costs included
- Property managers included at no extra cost
Protect your physical property and belongings from common rental-related losses including:
- Replacement cost coverage for the building and contents
- Guest-caused property damage
- $1 million personal/advertising injury
- Backup of sewer and drains
- Coverage for additional structures
Keep your income flowing, even if your property becomes uninhabitable due to a covered loss.
- Loss of rental income
- Extra expense coverage
Includes many of the extras your guests enjoy, such as:
- Swimming Pools and Hot Tubs
- Docks
- Non-motorized watercraft (canoes, paddleboards, kayaks)
- Exercise equipment, bicycles, and more
Up to $25,000 in coverage for professional cleanup and removal and subsequent rental income loss in the event of a bed bug infestation.
Coverage for legal expenses related to removing unauthorized occupants and restoring use of your property after a squatter incident.
Vrbo Owners
Protection against accidents, injuries, and legal claims related to your rental operations.
- $2 million general aggregate limit
- $1 million per occurrence
- $1 million personal/advertising injury
- $5,000 in medical payments
- Legal defense costs included
- Property managers included at no extra cost
Protect your physical property and belongings from common rental-related losses including:
- Replacement cost coverage for the building and contents
- Guest-caused property damage
- $1 million personal/advertising injury
- Backup of sewer and drains
- Coverage for additional structures
Keep your income flowing, even if your property becomes uninhabitable due to a covered loss.
- Loss of rental income
- Extra expense coverage
Includes many of the extras your guests enjoy, such as:
- Swimming Pools and Hot Tubs
- Docks
- Non-motorized watercraft (canoes, paddleboards, kayaks)
- Exercise equipment, bicycles, and more
Up to $25,000 in coverage for professional cleanup and removal and subsequent rental income loss in the event of a bed bug infestation.
Coverage for legal expenses related to removing unauthorized occupants and restoring use of your property after a squatter incident.
Rental Arbitrage & Second Home
Our vacation rental insurance program supports rental arbitrage hosts by offering commercial coverage that fills the gaps left by renters’ insurance or host liability policies.
Coverage can include:
- Commercial general liability
- Guest-caused property damage
- Business income protection
- Contents and amenities coverage
- Flexibility for a variety of leasehold arrangements
Our policies are built for how you use the property—not just who owns it.
If you own a home that you occasionally rent to a third party, you still need protection tailored to how you use it. Whether it’s a mountain cabin, lakeside retreat, or beach getaway, CBIZ offers coverage designed for homes that are not your primary residence but are occasionally rented to others.
This policy provides essential protection for second homes, giving you peace of mind while you’re away.
Client Testimonial
The CBIZ Difference
At CBIZ, we do more than issue policies. We help you succeed as a vacation rental owner.
We educate. From seasonal prep tips to liability best practices, we give you the knowledge to protect your property and your guests.
We support growth. Whether you rent occasionally or operate multiple listings, we help you treat your rental like the business it is.
We understand risk. We offer guidance on how to reduce claims—from updating your property listings to setting clear guest expectations.
It’s not just about insurance—it’s about helping you run your vacation rental smarter, safer, and more successfully. With CBIZ, risk management is built in. You don’t just get a policy; you get a partner who helps you prepare, prevent, and protect. Preventing losses is just as important as protecting against them, and our team of risk professionals helps clients:
- Improve safety and security during off-season
- Avoid misleading listings that could trigger liability claims
- Set expectations that prevent damage and enhance guest experience
