Vacation Rental Manager & Airbnb Co-Host Insurance2025-03-05T17:05:45-06:00

Vacation Rental Manager & Co-Host Insurance

Protect your vacation rental management or Airbnb co-hosting business with a premier Lloyd’s of London insurance policy.

Our comprehensive policy includes commercial general liability, professional liability (errors & omissions), and more—all custom-designed to meet your unique needs.

A First-of-its-Kind Policy for Managers & Co-Hosts


Commercial General Liability

Professional Liability (E&O)

Contingent Liability

Personal & Advertising Injury

Diminished Property Value

Guest Discrimination

Squatters Defense

Commercial Property

Liquor Liability

Commercial Cyber

Crime & Fidelity

Bells & Whistles

Managing short-term rental properties comes with significant liability risks—lawsuits can come from guests and property owners, putting managers and co-hosts in a vulnerable position.

It’s not a question of if but when a guest slips, falls, and files a serious injury claim against you. Or what if you’re hit with a discrimination lawsuit? On top of that, property owners frequently sue managers over rental property damage and diminished property value.

Without the right protection, a single lawsuit could jeopardize your business. That’s why Wister offers a first-of-its-kind comprehensive insurance policy designed specifically for vacation rental managers & co-hosts—covering liability, errors & omissions, discrimination claims, and more, all built-in from the start.

Don’t expose your business—secure the coverage you need with Wister today!

Commercial General Liability & Professional Liability (E&O)

Vacation rental managers or co-hosts may find Commercial General Liability (CGL) and Professional Liability (E&O) insurance contracts challenging to understand.

While Wister can’t disclose actual lawsuits and settlements, we can provide examples of claims or hypotheticals to help illustrate the exceptional protection offered by our policy.

An elderly guest slips on a rug, breaks a hip, and incurs $200,000 in medical bills. The family sues the property owner and manager for compensation.

Note: Slip-and-fall claims are the #1 liability in the U.S., costing over $70 billion in medical and compensation expenses in 2024.

A guest violates rental rules by bringing a dog to a vacation rental. The dog bites a child, causing permanent disfigurement. The child’s family sues the property owner and manager for $1 million in damages.

Note: Dog bite incidents are a top liability claim, costing insurers over $1 billion annually in settlements.

An uninsured cleaner crashes en route to a rental property, injuring another driver. The manager or co-host is sued, as the cleaner was linked to their business operations despite not being an employee.

Note: One in seven (14%) of drivers in the U.S. are uninsured.

After repeated nuisance complaints, a city revoked a short-term rental permit. The property owner, citing a $100,000 loss, sues the rental manager or co-host for diminished property value, alleging mismanagement led to the revocation.

A guest with a service animal requests to book a vacation rental, but the booking is declined. Believing the refusal was due to the service animal, the guest sues the manager for discrimination, citing prejudice.

Note: Discrimination lawsuits are costly, averaging $40,000 – $300,000.

An unoccupied vacation rental suffers $50,000 in damage from an icemaker leak. The owner’s insurance covers the loss but seeks subrogation against the manager or co-host.

A condo tenant requests a vacation rental guest to lower their music and is subsequently assaulted. The tenant then sues the property owner and manager.

Note: Assault and battery lawsuits are often settled for undisclosed amounts, typically ranging from hundreds of thousands to millions.

Family sues property owner and manager for wrongful death after child drowns in vacation rental pool.

Note: Media reports show that over 100 children drown at short-term rentals annually. 

A guest contracts Legionnaires’ disease from an unsanitary hot tub and sues the property owner and manager for breaching their duty of care.

Note: Poage v. Cox LLC provides insight into a hot tub lawsuit.

The neighbor of a short-term rental sues the property owner and manager for invasion of privacy, citing intrusion of solitude as the result of frequent bad behavior from guests.

Let Property Owners Lower Your Premium

When property owners carry Commercial General Liability (CGL), you gain added protection from bodily injury claims, reducing Wister’s exposure and qualifying you for lower liability premiums. Many owners likely already have CGL coverage or would be willing to purchase it if recommended.

Work with your Wister agent to receive a 75% discount on your Commercial General Liability premium.

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