General Liability
AirCover and platform programs leave gaps for management-side negligence. Your own GL is the baseline every operation needs.
Read the General Liability guideWhat Short-Term Rental Management insurance covers
The full str management insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 9
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for most STR management operations
Professional Liability / E&O
Owner lawsuits over mismanaged revenue and booking errors are the top STR management claim. No platform program covers these.
Read the Professional Liability guideWorkers Compensation
Mandatory once you have cleaning or maintenance staff on payroll. ABC-test states treat most 1099 crews as employees.
Read the Workers Compensation guideRecommended
Common across growing STR portfolios
Umbrella / Excess Liability
Amenity-rich portfolios with pools, hot tubs, or watercraft generate severity that regularly exceeds primary GL limits.
Read the Umbrella Insurance guideCyber Liability
Guest PII flows through multiple platforms and payment processors, creating breach notification obligations in every state where guests reside.
Read the Cyber Liability guideHired and Non-Owned Auto
Standard once staff use personal vehicles for check-ins, inspections, or maintenance runs between properties.
Read the Hired & Non-Owned Auto guideSituational
Depends on your portfolio and service scope
Innkeeper's Liability / Hospitality GL
Only relevant in states that impose statutory innkeeper duties on STR operators or for portfolios offering concierge and food services.
Read the General Liability guideContents / Personal Property
Needed when the PM, not the owner, owns the furnishings and staging inventory in managed units.
Commercial Property
Covers the PM firm's own office and equipment. Only needed if you own significant business assets separate from managed properties.
Read the Commercial Property guideGo deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a quoteWe will build the program around your operation.
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