Ward, Hayden

Liability Protection for When the Customer Isn't Always Right

Guest Liability at Vacation Rentals

No matter what safety precautions you have in place or how well you maintain your short-term rental property, a vacationer could become injured or claim that your negligence caused damage to their property at any time.

It is not unheard of for renters to file lawsuits claiming that the vacation rental property owner was negligent, did not live up to a legal standard of care, or was somehow responsible for their injuries. If you are named as the responsible party in such a suit, you need to defend yourself against the charges – even if you believe that your actions (or inactions) did not contribute to the renter’s injuries.

Personal Liability Protection: Your First Line of Defense Against Lawsuits

It is expensive, time-consuming and emotionally taxing to have to defend yourself against a lawsuit. Even if the vacationer is ultimately unsuccessful in proving that you were at fault, you may still be responsible for paying attorneys’ fees and court costs, not to mention your time and the frustration you experience in the process.

When you have adequate vacation rental insurance, which includes liability protection for personal injury claims and limited coverage for damage to your guests’ property, you can have peace of mind knowing you have some protection against renters’ lawsuits, frivolous or otherwise. You won’t need to personally foot the bill for defending the suit or for paying any damages the court awards to the plaintiff. In fact, you won’t even need to interview or hire an attorney – your insurance company will take care of those details for you.

What Vacation Rental Insurance Covers

Vacation rental insurance, which is designed specifically for vacation rental property owners, covers attorneys’ fees and court costs in addition to providing funds that can be used for out-of-court settlements or to pay court-awarded damages up to the policy’s stated limits.

Reduce Your Liability Risks

Of course, it’s important to make sure you are doing your part to mitigate risks; liability protection doesn’t eliminate your responsibility to your tenants. However, it can be comforting to know that you have insurance coverage in the event you experience a litigious renter.

Receive a Personal Liability Quote Today

To learn more about why you need vacation rental insurance that includes both liability and property protection, request a free quote today!

This blog may contain scenarios that are provided as examples only. Coverage is subject to the terms, conditions and exclusions of the policy issued. The information provided is general in nature and may be affected by changes in law or the interpretation of such laws. The reader is advised to contact a professional prior to taking any action based upon this information.

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About Us

CBIZ Vacation Rental Insurance, a division of CBIZ Insurance Services,Inc., is the largest insurer of short-term vacation rental properties in the United States. As part of an $850 million New York Stock Exchange traded company (CBZ), we are the first broker to develop specific policy coverage to meet the needs for vacation rental properties and the amenities offered by these businesses. We have insured vacation rental properties since 2002.

The CBIZ Vacation Rental Insurance team knows insurance, specifically the risks and exposures related to short-term vacation rentals.We won't confuse you with technical "insurance speak" ~ our representatives are well versed in explaining your coverage in plain English. With hands-on, personal customer service, we guarantee swift communication and a 24/7 claims team that is ready to respond to your call any time of the day. As specialist in the industry, we leverage our knowledge and passion to ensure you and your business are adequately protected.