Insurance Solutions for the modern property owner


We have solutions regardless of the type of property you own. If you own property that is used as a vacation rental, a short-term or long-term rental, a secondary home or is vacant, we can help. We work with an A.M. Best Rated A+ carrier to offer a broad portfolio of property insurance solutions to fit your needs. Our experts will discuss the unique risks of your property and work to customize a policy designed for you.


Short-Term Rental

Protection for property that is rented in less than 6-month increments and has multiple renters throughout the year. Also known as Vacation Rental, Airbnb or executive housing.


Commercial General Liability

  • $2 million general aggregate
  • $1 million per occurrence
  • $1 million for personal/advertising injury
  • $5,000 for medical payments
  • Legal fees related to your defense
  • Property managers covered at no cost



  • Replacement cost coverage for your building and contents
  • Property damage caused by a guest
  • Backup of sewer and drains
  • Additional Structures


Business Income

  • Loss of rental income
  • Loss of use and extra expense coverage



  • Swimming pools and hot tubs
  • Docks
  • Non-motorized Watercraft
  • Canoes, paddleboards, kayaks
  • Exercise equipment, bicycles, and more


Long-Term Rental

 Insurance protection for any residential listing where tenants live for 6 months or longer. Also known as Landlord or Dwelling coverage.


  • Protection for multiple properties or properties with one to four units.
  • Protects the owner’s property and covered belongings. Your tenants’ personal possessions are not covered under your policy.
  • Dwelling insurance included. Covers the structure itself, but not the contents or land.


Vacant Property

A specially-designed program for vacant residential properties. This policy is for properties that are not being rented out at the moment, between tenants for a longer period, or slight cosmetic updates are being made.


Second Home

Insurance for an additional home that you are in and out of, but do not rent out. Not a primary residence.


Coverage Highlights


  • Available nationwide
  • A++ (Superior) Financial Strength Rating from A.M. Best
  • Ability to cover high-valued properties
  • Property, General Liability (up to $1 million) and contents covered on one policy
  • All properties types can be combined in one policy
  • Variety of ownership types welcome: corporations, estates, individuals, llcs, etc.
  • Properties with one to four units are accepted
  • ¬†Loss of rent/business income available


Additional Coverages


Bed Bug Cleanup and Removal Coverage

Up to $17,500 with no deductible in bed bug infestation issues.

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.