Insurance built for Co-Hosts & Vacation Rental Managers
Protect your vacation rental management or Airbnb co-hosting business with a premier Lloyd’s of London insurance policy.
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Inadequate Insurance Will Cost You
Whether you’re a co-host helping with a few listings or a manager running hundreds, you need comprehensive business insurance.
What’s covered?
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Protects against bodily injury or property damage claims your business could be held legally liable.
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Also called E&O - professional liability potects against claims of negligence, mistakes, or failure to deliver services.
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Coverage for claims like libel, slander, invasion of privacy, or copyright infringement that can arise in marketing or guest interactions.
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Coverage for risks that arise indirectly from your operations—such as when a contractor or third party creates exposure that circles back to you.
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Protects against lawsuits alleging discrimination based on protected classes (race, gender, disability, religion, etc.).
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Protects against claims that poor management or neglected repairs caused a loss in property value.
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Adds liquor protection to commercial general liability.
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Coverage for expenses related to cyberattacks, data breaches, or stolen information.
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Coverage for legal expenses if someone overstays or refuses to leave your property, claiming tenant rights.
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Insurance that covers the physical structures and contents of your business operation—like leased offices, furnishings, and equipment—against risks like fire, theft, and storm damage.
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Coverage that protects your business against losses caused by theft, fraud, or dishonesty—whether by outsiders or your own employees/contractors.
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A bundle of specialty protections you won’t find in most standard business insurance policies—coverages designed specifically for vacation rental managers and co-hosts.
Trust By Managers Across Every Platform
"Wister has been a strong insurance partner as we have scaled to a large and fast-growing short-term rental portfolio. Having coverage that actually understands our size and operational complexity gives us real peace of mind.”
Blake Holden | Triad Vacation Rentals"The PM space for STRs is so unique, and I appreciate that they tailor their product to my business. I have such piece of mind now with my business and am so thankful I found them"
Casey Hansen | Red One Management“Wister is absolutely perfect for me!! I’m an Airbnb host and use them for all my properties. The customer service is outstanding. Every time I have a question or concern, they respond quickly and are always friendly.”
Sean Barrett | Barrett Hospitality
Vrbo
Airbnb
Expedia
Booking.com
Hosting’s Fun —
Until Something Goes Wrong.
Frequently Asked Questions
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From a "Tort Law" and insurance perspective, Airbnb co-hosts and professional property managers are viewed identically.
Both entities perform nearly indistinguishable functions for property owners—including marketing, guest communication, cleaning, and maintenance—typically for similar fee structures. Because their operational roles are the same, they share the same legal liabilities and insurance coverage requirements.
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No, Airbnb’s Aircover does not include professional liability (errors & omissions), and as of March 1st, 2025, the $1,000,000 of commercial general liability (CGL) protection via the Host Liability Program is being limited in scope to any manager or co-host with 6 or more active listings on Airbnb.
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Vacation rental management and co-hosting are professional service industries where operational oversights—or "errors"—can lead to significant liability. When disputes arise, property owners frequently hold the manager accountable for both minor and catastrophic failures.
Whether the issue is diminished property value due to deferred maintenance or a major flood caused by an uninsured subcontractor, legal and financial responsibility ultimately rests with the manager or co-host.
Save More When Property Owners Carry Coverage
When your property owners already have Commercial General Liability (CGL) insurance, it reduces overall risk — which helps lower your own liability premium with Wister. Many owners already carry CGL coverage or are willing to add it when recommended.
Work with your Wister agent to qualify for up to 75% off your Commercial General Liability premium.