Vacation Rental Insurance Solutions

If you list your property on Airbnb, Vrbo, or any short-term rental platform, standard homeowners, landlord, or host liability policies likely fall short. Why? Because the moment you open your home to paying guests, you’re running a business—and that calls for a different kind of protection. Our specialists will work with you to build coverage that fits your needs, which may include: 

Property Coverage 
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Guests can be careless. Storms are unpredictable. Damage happens. And many host liability policies don’t cover property damage at all. CBIZ fills that gap with options like:

  • Replacement cost coverage for your building and contents
  • Damage caused by guests
  • Backup of sewer and drains
  • Coverage for additional structures
Commercial General Liability* 
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Free or low-cost host liability policies often fall short, especially when it comes to exclusions, low limits, or denied claims. Our liability coverage helps protect your assets from legal action, with:

  • $2 million general aggregate
  • $1 million per occurrence
  • $1 million for personal/advertising injury
  • $5,000 for medical payments
  • Legal defense costs included
  • Property managers covered at no extra cost

*Subject to state availability and underwriting guidelines.

Business Income Protection 
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If a covered event puts your property out of service, you shouldn’t lose income on top of repair costs. Our policy can help cover:

  • Loss of rental income
  • Extra expenses during property restoration
Contents & Business Personal Property 
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CBIZ coverage protects the things that make your property rental ready. That includes:

  • Furniture, appliances, and amenities inside the home
  • Items located within 100 feet of the structure—like grills, storage sheds, or gear provided to guests

Not All Policies are Created Equally

Homeowners Insurance Falls Short

Standard homeowners’ policies are built for personal use, not commercial activity. Short-term rental income is considered business income, and the associated risks—property damage, guest injuries, lawsuits—are typically excluded. Without a commercial policy, you could be on the hook for serious expenses.

Host Liability Policies Aren’t Enough

Platforms like Airbnb and Vrbo may offer free or low-cost host liability coverage, but those policies come with major limitations. Most exclude property damage and have narrow liability protections. They’re a helpful supplement—not a substitute—for real coverage.

Pay-As-You-Go Coverage Can Leave Gaps

While attractive for occasional renters, pay-as-you-go policies only cover booked nights. If something happens between guest, like a fire, storm damage, or a burst pipe, you may be left without protection.

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CBIZ Covers What Others Won’t

CBIZ Vacation Rental Insurance is designed to provide comprehensive, year-round protection for your rental business. Coverage can include:

  • Commercial general liability
  • Guest-caused property damage
  • Replacement cost for your building and its contents
  • Protection for additional structures
  • Sewer and drain backup
  • Medical payments, legal defense, and more

Whether you’re renting a few weekends a year or running a full-time short-term rental business, CBIZ gives you the coverage standard policies miss.

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